公司概述
Richmond Mutual Bancorporation, Inc. operates as the bank holding company for First Bank Richmond, providing a comprehensive suite of banking services that include the acceptance of various deposit types such as savings accounts, money market accounts, NOW and demand accounts, as well as certificates of deposit. The firm functions within the Financial Services sector and specifically within the Banks - Regional industry, positioning it as a localized financial institution serving specific geographic markets rather than a national conglomerate. As of the latest reporting period, the company possesses a market capitalization of $132.63 million and generates annual revenue of $46.76 million, employing a workforce of 180 individuals. These valuation and revenue figures indicate that RMBI is a mid-sized regional entity, suggesting a balance sheet that is likely tailored to serve local community needs without the massive scale of large national banking corporations.
财务健康
The company reported revenue of $46.76 million over the trailing twelve months, with net income reaching $11.58 million, while specific EBITDA figures are not disclosed in the available data. The significant gap between total revenue and net income reveals a cost structure where operating expenses consume approximately 75.2% of gross revenue, leaving the remaining 24.8% as profit margin, which is typical for regional banking operations where cost control is paramount. While the company holds $13.64 million in cash reserves, it simultaneously carries $252.64 million in debt, indicating a leveraged balance sheet where long-term liabilities significantly exceed immediate liquid assets. The debt-to-equity ratio is not explicitly calculated in the provided facts, but the disparity between cash and total debt suggests a reliance on external financing rather than pure equity funding. Although the current ratio is not listed, the presence of substantial debt relative to cash implies that short-term liquidity management is critical for meeting obligations. Return on Equity stands at 8.3% and Return on Assets is 0.8%, metrics that reveal management's effectiveness in generating shareholder value relative to equity invested and utilizing total assets to produce earnings.
估值评估
Richmond Mutual Bancorporation, Inc. currently trades with a trailing twelve-month P/E ratio of 11.61, while the forward P/E ratio is unavailable, a situation that implies analysts may lack sufficient consensus on future earnings trajectory to project a forward multiple. The price-to-book ratio is 0.90, indicating that the market values the company at 90% of its book value, which suggests the stock is trading at a discount to its tangible asset base rather than commanding a premium. Alternative valuation metrics such as the price-to-sales ratio of 2.84 and the EV/EBITDA ratio, which is N/A, provide additional context where the P/S multiple reflects revenue generation efficiency in the absence of standardized EBITDA data. The stock's trading range over the past year spans from a 52-week low of $11.80 to a 52-week high of $15.24, with the current valuation sitting within this historical band, reflecting market volatility without extreme detachment from recent price extremes. With a beta of 0.24, the company exhibits low price volatility relative to the broader market, suggesting its stock price moves significantly less than the overall market index due to its regional nature and lower correlation with systemic market swings.
Growth & Income
The company demonstrated robust expansion with revenue growth of 16.4% year-over-year and earnings growth of 45.0% year-over-year, a disparity that implies earnings are growing significantly faster than revenue, often driven by non-recurring income, efficiency gains, or favorable tax positions. As a dividend payer, Richmond Mutual Bancorporation, Inc. offers a dividend yield of 4.4% with a payout ratio of 51.3%, a level that appears sustainable given the high earnings growth rate and the ability to cover dividends with nearly half of the generated profit. This payout ratio indicates that the company retains nearly half of its earnings for reinvestment or debt reduction rather than distributing them fully to shareholders. Overall, the growth and income profile presents a scenario of accelerating profitability supported by a substantial dividend yield, offering a blend of capital appreciation potential and income generation within the regional banking sector.