Company Analysis Richmond Mutual Bancorporation, Inc.
1. Summary
Advantages
- Dividends (4.28%) are higher than the sector average (2.35%).
- The stock's return over the last year (8.85%) is higher than the sector average (0%).
- The company's current efficiency (ROE=7%) is higher than the sector average (ROE=6.45%)
Disadvantages
- Price (13.65 $) is higher than fair price (10.84 $)
- Current debt level 17.6% has increased over 5 years from 15.62%.
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| Richmond Mutual Bancorporation, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | 1.1% | -5% | -0.3% |
| 90 days | 15.2% | -0.8% | 10% |
| 1 year | 8.9% | 0% | 9.7% |
RMBI vs Sector: Richmond Mutual Bancorporation, Inc. has outperformed the "Financials" sector by 8.85% over the past year.
RMBI vs Market: Richmond Mutual Bancorporation, Inc. has underperformed the market marginally by -0.8768% over the past year.
Stable price: RMBI is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: RMBI with weekly volatility of 0.1702% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (13.65 $) is higher than the fair price (10.84 $).
Price is higher than fair: The current price (13.65 $) is 20.6% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (15.44) is lower than that of the sector as a whole (21.7).
P/E vs Market: The company's P/E (15.44) is lower than that of the market as a whole (89.86).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.09) is higher than that of the sector as a whole (0.7019).
P/BV vs Market: The company's P/BV (1.09) is lower than that of the market as a whole (9.35).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (3.37) is lower than that of the sector as a whole (4.72).
P/S vs Market: The company's P/S indicator (3.37) is lower than that of the market as a whole (10.1).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (382.26) is higher than that of the sector as a whole (9.52).
EV/Ebitda vs Market: The company's EV/Ebitda (382.26) is higher than that of the market as a whole (50.71).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -1.25% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-1.25%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-4.44%).
5.4. ROE
ROE vs Sector: The company's ROE (7%) is higher than that of the sector as a whole (6.45%).
ROE vs Market: The company's ROE (7%) is lower than that of the market as a whole (11.64%).
5.5. ROA
ROA vs Sector: The company's ROA (0.6322%) is lower than that of the sector as a whole (6.1%).
ROA vs Market: The company's ROA (0.6322%) is lower than that of the market as a whole (6.88%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (11%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 4.28% is higher than the average for the sector '2.35%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.28% has been steadily paid over the past 7 years, DSI=0.86.
Weak dividend growth: The company's dividend yield 4.28% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (60.76%) are at a comfortable level.
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