Stock fact sheet · data as of
Richmond Mutual Bancorporation, Inc. (RMBI): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is RMBI undervalued?
At 15.25 (close of 16 Oct 2026), RMBI trades 15% under the GLS average fair value of 17.99. 4 of the 8 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS screen; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
The 8 models disagree widely: Lynch gives 4.96 while 10 Cap gives 33.45. 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.
The nightly engine files RMBI under Defensive: a low beta, a dividend and positive earnings.
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 | 20.66 | +35% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 20.00 | +31% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 4.96 | -67% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 10.39 | -32% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 33.45 | +119% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 31.84 | +109% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.83 | -42% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 13.78 | -10% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -67.75 | -544% | 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
On financial health RMBI scores 8/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 5.6 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
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 5.5%.
The dividend yield is 3.93% at a payout ratio of 49%; 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 | 8 / 9 | ROIC | 2.9% |
|---|---|---|---|
| GLS Moat | 5.6 / 10 | ROE | 7.9% |
| Debt / equity | 1.73 | ROA | 0.8% |
| Free-cash-flow yield | 5.5% | Payout ratio | 49% |
| Institutions | 4 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: 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; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 50k shares a day on a market cap of $245M, with a beta of 0.34 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 19 / 25 | 15% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 8 / 15 | moat 5.6/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 50k shares/day, $245M cap, beta 0.34 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Richmond Mutual Bancorporation, Inc. reports earnings on 22 Oct 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
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 |
|---|---|---|---|---|---|
| PEBK Peoples Bancorp of North Carolina, Inc. | 44.31 | 47.10 | +6% | 39No options | $242M |
| EFSI Eagle Financial Services, Inc. | 45.75 | 42.98 | -6% | 37No options | $248M |
| FFMH First Farmers and Merchants Corporation | 63.68 | 78.46 | +19% | 39No options | $252M |
| FFBB FFB Bancorp | 88.30 | 171.67 | +49% | 39No options | $253M |
| CMTV Community Bancorp | 41.84 | 201.93 | +79% | 39No options | $234M |
| GBFH GBank Financial Holdings Inc. | 17.75 | 49.42 | +64% | 68Good | $258M |
| FOTB First Ottawa Bancshares, Inc. | 239.00 | 793.09 | +70% | 39No options | $231M |
| HWBK Hawthorn Bancshares, Inc. | 38.12 | 53.34 | +29% | 39No options | $263M |
| INBK First Internet Bancorp | 25.94 | 169.14 | +85% | 45Weak | $227M |
| FBLA FB Bancorp, Inc. Common Stock | 16.60 | 29.69 | +44% | 39No options | $265M |
| EXSR Exchange Bank (Santa Rosa, CA) | 155.00 | 208.63 | +26% | 39No options | $266M |
| FXNC First National Corporation | 29.42 | 36.80 | +20% | 39No options | $266M |
⚖ 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?
By the GLS models, moderately: at 15.25 the stock trades 15% below the average fair value of 17.99 (data as of 16 Oct 2026).
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; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for RMBI?
17.99 per share as of 16 Oct 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 22 Oct 2026, 6 days from the data date of 16 Oct 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 is capped at 39.