Richmond Mutual Bancorporation, Inc. (RMBI)
State Commercial Banks · Financial Services · $154M
Intrinsic Value (Consensus)
$33.82
Current Price
$14.65
Margin of Safety
+130.9%
130.9% Below Intrinsic Value
Value: $34
Price: $15
Valuation Model Estimates
Current Price: $14.65
DCF (Discounted Cash Flow)
$65.23
Graham Number
$19.12
Earnings Power Value
$11.36
Relative Value (P/E)
$23.40
Dividend Discount Model
$50.00
Consensus Value
$33.82
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
64
Profitability
15/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (9.5%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.17
- EPS (Forward)
- $1.40
- Book Value
- $13.88
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 7.9%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.6%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance