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Richmond Mutual Bancorporation, Inc (RMBI) Fair Value & Analysis

Financial Services · US · Market cap $144M

Price$15.13
Fair Value$15.39
Upside+1.7%
Quality95/100
Evidence: High Range $11.54 – $19.23

Fair value as of: Jun 26, 2026

Analysis

Richmond Mutual Bancorporation, Inc (RMBI) currently trades at $15.13, while our model-based Fair Value estimate is $15.39 — implying the stock looks roughly 1.7% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Richmond Mutual Bancorporation, Inc. operates as the bank holding company for First Bank Richmond that provides various banking services. The company accepts various deposits, including savings deposit accounts, money market accounts, NOW and demand accounts, and certificates of deposit. It also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, and residential real estate loans, including home equity loans, lines of credits, and consumer loans. In addition, the company engages in the lease financing business; and provision of fee-based financial services comprising trust and estate administration, investment management, retirement plan administration, and private banking services. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.

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Frequently asked questions

Is Richmond Mutual Bancorporation, Inc (RMBI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $15.39 versus a price of $15.13 — about +2% (undervalued). Model-based estimate, not financial advice.
What is the fair value of RMBI?
Our 21-model fair value for Richmond Mutual Bancorporation, Inc is $15.39 (as of Jun 26, 2026), built from audited fundamentals. The current price is $15.13.
What is the quality score of RMBI?
Richmond Mutual Bancorporation, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.