Stock fact sheet · data as of
Richmond Mutual Bancorporation, Inc. (RMBI): fair value, margin of safety and Wheel Score
Ticker symbol RMBI · Financial Services · Banks - Regional · United States · Blend
Is RMBI undervalued?
At 15.83 (close of 5 Nov 2026), RMBI trades 33% over the GLS average fair value of 11.94, with 3 of 8 models above the price. The stock earns none of the Wheel Score's Value points at this price. That is a statement about price against trailing fundamentals, not about the company's prospects - the Wall Street View and the Growth tab on the Quote page carry the forward numbers.
The 8 models disagree widely: Lynch gives 2.55 while Graham Number gives 23.34. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for RMBI, so the nightly engine files it under Blend (value score 48, growth score 45, out of 100).
Nine valuation models for RMBI
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 23.34 | +47% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 10.27 | -35% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.55 | -84% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 5.29 | -67% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 18.88 | +19% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 19.28 | +22% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.83 | -44% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 7.07 | -55% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -67.75 | -528% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - RMBI passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 3.8 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
Returns on capital are thin or negative - ROIC 2.9%, ROE 7.9%, ROA 0.8% - with debt at 1.73 times equity and a free-cash-flow yield of 5.3%.
The dividend yield is 3.79% at a payout ratio of 57%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 4/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 2.9% |
|---|---|---|---|
| GLS Moat | 3.8 / 10 | ROE | 7.9% |
| Debt / equity | 1.73 | ROA | 0.8% |
| Free-cash-flow yield | 5.3% | Payout ratio | 57% |
| Institutions | 4 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 18: No options
RMBI has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (18 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 51k shares a day on a market cap of $254M, with a beta of 0.33 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 33% above our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $254M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 33% above fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 3.8/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.33, $254M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 21 Jan 2027, 77 days away - outside the window of a 30-45-day put sold today.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Richmond Mutual Bancorporation, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| EFSI Eagle Financial Services, Inc. | 46.45 | 36.14 | -29% | 21No options | $251M |
| FFMH First Farmers and Merchants Corporation | 65.00 | 79.57 | +18% | 29No options | $257M |
| CMTV Community Bancorp | 45.96 | 50.73 | +9% | 30No options | $258M |
| LYBC Lyons Bancorp Inc. | 73.50 | 112.94 | +35% | 33No options | $249M |
| NKSH National Bankshares, Inc. | 40.61 | 46.13 | +12% | 25No options | $259M |
| FFBB FFB Bancorp | 87.30 | 168.34 | +48% | 36No options | $248M |
| PEBK Peoples Bancorp of North Carolina, Inc. | 44.51 | 45.57 | +2% | 21No options | $243M |
| EXSR Exchange Bank (Santa Rosa, CA) | 154.99 | 208.01 | +25% | 29No options | $266M |
| CFBK CF Bankshares Inc. | 35.56 | 48.76 | +27% | 30No options | $238M |
| FBLA FB Bancorp, Inc. Common Stock | 17.02 | 16.40 | -4% | 17No options | $271M |
| INBK First Internet Bancorp | 27.13 | 76.57 | +65% | 47Weak | $237M |
| CZWI Citizens Community Bancorp, Inc. | 24.40 | 27.79 | +12% | 24No options | $234M |
⚖ Compare RMBI with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about RMBI
Is RMBI undervalued right now?
No: at 15.83 the stock trades 33% above the GLS average fair value of 11.94 (data as of 5 Nov 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of RMBI and what does it mean?
RMBI has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for RMBI?
11.94 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Richmond Mutual Bancorporation, Inc. report earnings next?
The next earnings report is due on 21 Jan 2027, 77 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does RMBI have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on RMBI, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.