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Upturn AI SWOT - About
Richmond Mutual Bancorporation Inc (RMBI)
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Upturn Advisory Summary
09/12/2025: RMBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -1.86% | Avg. Invested days 62 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 139.77M USD | Price to earnings Ratio 15.09 | 1Y Target Price - |
Price to earnings Ratio 15.09 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.38 | 52 Weeks Range 10.77 - 14.75 | Updated Date 06/29/2025 |
52 Weeks Range 10.77 - 14.75 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.43% | Basic EPS (TTM) 0.89 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.96% | Operating Margin (TTM) 24.86% |
Management Effectiveness
Return on Assets (TTM) 0.6% | Return on Equity (TTM) 6.82% |
Valuation
Trailing PE 15.09 | Forward PE - | Enterprise Value 374905600 | Price to Sales(TTM) 3.26 |
Enterprise Value 374905600 | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 9.49 | Enterprise Value to EBITDA - | Shares Outstanding 10407500 | Shares Floating 7325590 |
Shares Outstanding 10407500 | Shares Floating 7325590 | ||
Percent Insiders 21.14 | Percent Institutions 19.85 |
Upturn AI SWOT
Richmond Mutual Bancorporation Inc
Company Overview
History and Background
Richmond Mutual Bancorporation, Inc., is a financial holding company. Details on its founding year and milestones require further research into the specific institution.
Core Business Areas
- Retail Banking: Offers traditional banking services to individuals, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Provides banking solutions to businesses, such as loans, lines of credit, and treasury management services.
- Wealth Management: Offers wealth management and investment advisory services to individuals and families.
Leadership and Structure
The specific leadership team and organizational structure would require investigation of the company's website and regulatory filings.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers mortgage loans for home purchases and refinancing. Market share data not readily available and requires additional research into the specific institution. Competitors include large national banks, credit unions, and mortgage companies.
- Commercial Loans: Provides loans to businesses for various purposes. Market share data not readily available. Competitors include other banks and financial institutions that cater to commercial clients.
- Checking & Savings Accounts: Offers a range of deposit accounts to consumers and businesses. Market share would be difficult to ascertain accurately without precise geolocation and comparison to competitor's branch footprint.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, technological advancements (fintech), and economic conditions. Digital banking and mobile banking are growing trends.
Positioning
Richmond Mutual Bancorporation Inc's position depends on its specific geography. Typically community banks focus on relationship banking and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services is very large, consisting of consumer and commercial banking sectors, often expressed in trillions of dollars. The positioning will depend on the specific region, where their TAM is a smaller part of the overall US Market.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Conservative lending practices
- Strong community ties
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Lower technology adoption compared to Fintech companies
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Partnerships with fintech companies
- Increasing demand for local banking services
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
- Cybersecurity risks
- Regulatory Changes
Competitors and Market Share
Key Competitors
- USB
- KEY
- FCNCA
Competitive Landscape
Community banks face competition from larger banks, credit unions, and online lenders. Advantages include relationship-based service and local knowledge. Disadvantages include limited resources and scale.
Growth Trajectory and Initiatives
Historical Growth: Requires access to Richmond Mutual Bancorporation Inc's historical financial data.
Future Projections: Requires access to analyst estimates and company guidance.
Recent Initiatives: Requires access to company announcements and press releases.
Summary
Richmond Mutual Bancorporation's strengths lie in its local focus and customer relationships. Limited reach and resources are vulnerabilities. Opportunities exist through technology and expansion, but they must contend with larger competitors and economic uncertainties. Further financial data and analysis would be needed for a full rating.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings (when available)
- Company website (when available)
- Industry reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. It should not be considered investment advice. Specific data for Richmond Mutual Bancorporation Inc may be limited, therefore this analysis is based on general banking industry information. Market share data is not available.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Richmond Mutual Bancorporation Inc
Exchange NASDAQ | Headquaters Richmond, IN, United States | ||
IPO Launch date 2019-07-02 | Chairman, President & CEO Mr. Garry D. Kleer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 171 | |
Full time employees 171 | |||
Richmond Mutual Bancorporation, Inc. operates as the bank holding company for First Bank Richmond that provides various banking services in Cambridge City. It accepts various deposits, including savings deposit accounts, money market accounts, NOW and demand accounts, and certificates of deposit. The company also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, residential real estate loans, and consumer loans. In addition, it engages in the lease financing business; and provision of fee-based financial services comprising trust and estate administration, investment management, retirement plan administration, and private banking services. The company was founded in 1887 and is headquartered in Richmond, Indiana.
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