리치몬드 뮤추얼 뱅코퍼레이션(RMBI) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

RMBI

Richmond Mutual Bancorporation Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$15.40

-0.16 ▼ -1.03%

리치몬드 뮤추얼 뱅코퍼레이션(RMBI) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$258M

스몰캡

P/E

12.3

저평가 구간

배당수익률

3.90%

52주 위치

69%

저점 +21% · 고점 -7%

애널리스트

B-

Fundamental health

vs. Banks - Regional 초소형주

수익성

Top 43%

성장

Top 33%

밸류에이션

Top 38%

재무 안정

Top 46%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 5년 (not other companies).

Very cheap

Cheap

Typical

Pricey

🔥 Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 21원. Over the past 5년, it usually traded around 14원. One of the priciest stretches of the past 5년.

Pricy doesn't mean bad — it means expectations are already baked in.

Index ⓘ	RUT	P/E ⓘ	12.25	EPS (ttm) ⓘ	1.26	Insider Own ⓘ	24.66%	Shs Outstand ⓘ	16.8M	Perf Week ⓘ	-0.13%
Market Cap ⓘ	0.26B	Forward P/E ⓘ	-	EPS next Y ⓘ	-	Insider Trans ⓘ	0.06%	Shs Float ⓘ	12.6M	Perf Month ⓘ	1.78%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	-	Inst Own ⓘ	14%	Short Float ⓘ	1.33%	Perf Quarter ⓘ	3.22%
Income ⓘ	0.01B	P/S ⓘ	2.82	EPS this Y ⓘ	-	Inst Trans ⓘ	-0.24%	Short Ratio ⓘ	2.97	Perf Half Y ⓘ	11.35%
Sales ⓘ	0.09B	P/B ⓘ	1.12	EPS next 5Y ⓘ	-	ROA ⓘ	0.81%	Short Interest ⓘ	0.17M	Perf YTD ⓘ	9.69%
Book/sh ⓘ	13.8	P/C ⓘ	-	EPS past 3/5Y ⓘ	-0.09% 7.48%	ROE ⓘ	8.99%	52W High ⓘ	-7.17% ($16.59)	Perf Year ⓘ	7.92%
Cash/sh ⓘ	-	P/FCF ⓘ	18.1	Sales past 3/5Y ⓘ	17.06% 12.86%	ROIC ⓘ	3.09%	52W Low ⓘ	20.6% ($12.77)	Perf 3Y ⓘ	32.7%
Dividend Est. ⓘ	$0.6 (3.9%)	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	43.44%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	4.69% 4.47%	Perf 5Y ⓘ	1.72%
Dividend TTM ⓘ	0.6	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	5.44%	Oper. Margin ⓘ	16.07%	ATR (14) ⓘ	0.59	Perf 10Y ⓘ	-
Dividend Ex-Date ⓘ	2026/6/3	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	44.72%	Profit Margin ⓘ	13.57%	RSI (14) ⓘ	52.66	Recom ⓘ	-
Dividend Gr. 3/5Y ⓘ	14.47% 31.95%	Current Ratio ⓘ	0.43	Sales Q/Q ⓘ	1.91%	SMA20 ⓘ	0.26% ($15.36)	Beta ⓘ	0.31	Target Price ⓘ	-
Payout ⓘ	51.32%	Debt/Eq ⓘ	1.77	Earnings ⓘ	-	SMA50 ⓘ	2.98% ($14.95)	Rel Volume ⓘ	0.84	Prev Close ⓘ	$15.56
Employees ⓘ	180	LT Debt/Eq ⓘ	1.77	EPS/Sales Surpr. ⓘ	-	SMA200 ⓘ	8.45% ($14.2)	Avg Volume(3M) ⓘ	0.06M	Price ⓘ	$15.4
IPO ⓘ	2019/7/2	Option/Short ⓘ	No/Yes			Trades ⓘ	761	Volume ⓘ	47,550	Change ⓘ	-1.03%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12*

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $21M (YoY +1%) · 순이익 $3M (YoY +42%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Richmond Mutual Bancorporation Inc (RMBI) Investment Analysis

What kind of company is Richmond Mutual Bancorporation Inc?

리치몬드 뮤추얼 뱅코퍼레이션(RMBI) 배당주

Financial · Banks - Regional

Small-Cap — Low Volume, High Volatility

Richmond Mutual Bancorporation is a bank holding company headquartered in Richmond, Indiana, that provides community banking services across Indiana and Ohio through its subsidiary, First Bank Midwest. Its core business is generating a net interest spread through deposit gathering and lending, with a broad mix of commercial and residential real estate loans, commercial and industrial loans, and consumer loans.

Learn more about Richmond Mutual Bancorporation Inc →

Market Cap

$0.3B

Approx. KRW 0.4 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank3870

Employees180people

IPO2019/07/02

Current Price$15.40 ≈ 21,098원

📌 RUT · NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🎯 Ex-div 2026년 6월 3일 (수) 주당 $0.15

🎯 Ex-div 2026년 2월 25일 (수)

Is it profitable?

Profitable but financially weak

High debt load may weigh on results in a downturn

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

16.1%

✓ 평균

My positionMid-range

Low range Average High range

Banks - Regional 초소형주 Median 16.7% · Bottom 48%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

13.6%

✓ 양호

My positionMid-range

Low range Average High range

Banks - Regional 초소형주 Median 13.6% · Around average

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

9.0%

✓ 우수

My positionTop 25%

Low range Average High range

Financial 초소형주 Median 3.2% · Top 20%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

0.8%

✓ 평균

My positionMid-range

Low range Average High range

Financial 초소형주 Median 1.0% · Bottom 49%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

3.1%

✓ 양호

My positionMid-range

Low range Average High range

Financial 초소형주 Median 2.2% · Top 42%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

1.77

✓ Very high debt

My positionBottom 5%

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.43

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Outlook data is insufficient

Analyst estimates and price targets have not been collected.

Did earnings meet expectations?

Insufficient historical earnings data

No analyzable past earnings releases have been collected yet.

Is it growing?

Average Growth

Mid-range within the industry

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

-0.1%

양호

My positionMid-range

Low range Average High range

배당주 초소형주 Median -7.5% · Top 36%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+7.5%

양호

My positionMid-range

Low range Average High range

배당주 초소형주 Median -0.7% · Top 35%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+12.9%

우수

My positionTop 25%

Low range Average High range

배당주 초소형주 Median 5.5% · Top 23%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+1.9%

양호

My positionMid-range

Low range Average High range

배당주 초소형주 Median -1.4% · Top 38%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -67%p below the market

RMBI +1.7% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-66.6%p

Significantly behind the market

1-year basis

vs S&P 500

-8.1%p

slightly behind the market

Rank among peers

5-year return Lower-Mid (lower 27%) Based on 64 peers

1-year return Bottom 17% Based on 76 peers

Current position within 52-week range

Low (-20.6%p) High (-7.2%p)

Current price is 20.6% above the 52-week low and 7.2% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-11.4%

Annualized volatility

25.1%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢

Current diagnosis · 2026-07-27

Uptrend zone

Current price $15.40 above the midline ($15.36). Normal upward flow. Inside the Ichimoku cloud (neutral).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡

Current diagnosis · 2026-07-27

Neutral zone — weak trend

MACD 0.127 · Signal 0.141 · Hist -0.014. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 52.7 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 48.6.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

In line with the industry average

Cheap on Vs. Earnings, Pricey on Vs. Sales, In line with peers on Vs. Assets·Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🏢 Vs. Assets Mid-range

🧾 Vs. Sales Pricey

💧 Vs. Cash Flow Mid-range

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

12.25x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Regional 초소형주 median 12.79x · Around the industry average

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.12x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 초소형주 median 1.01x · Around the industry average

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

2.82x

✓ Pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 초소형주 median 2.07x · Bottom 21% — expensive within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

18.10x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 초소형주 median 12.93x · Around the industry average

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 초소형주

Who owns it?

Ownership flow is positive

Insider modest net buying +0.1% · Institutional modest net selling -0.2% · Short interest light 1.3% · Short interest fell -1.1%p over the last 90 days

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

+0.1%

Insiders little change

🏦 Institutions (funds & investors)

-0.2%

Institutions net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 14.0%

Retail-led

Financial 초소형주 Median 30.5%

🧑‍💼 Insiders 24.7%

Founder/management large holders (strong skin-in-the-game)

Financial 초소형주 Median 23.8%

👤 Retail investors (estimated) 61.3%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

1.3%

Low — limited short-side pressure

Financial 초소형주 Median 0.2%

Past 90 days 📉 -1.1%p decrease

Short interest days to cover

3.0 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 16.8M주

Float (tradable shares) 12.6M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding RMBI

ETFs with the highest weightings · 10 total shown

IWC

iShares Micro-Cap ETF

0.02%

$1.4B

IWN

iShares Russell 2000 Value ETF

0.01%

$14.3B

OMFS

Invesco Russell 2000 Dynamic Multifactor ETF

0.01%

$281M

VTWV

Vanguard Russell 2000 Value Index ETF

0.01%

$1.3B

DFAU

Dimensional US Core Equity Market ETF

0.00%

$12.3B

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당주 — 연 3.9% 배당

5년 배당 성장률 31.95%

Dividend Yield

3.90%

Industry average 2.62%

Dividend Per Share

$0.60

Annualized

Payout Ratio

51%

Share of net income paid as dividends

5-Year Growth

31.9%

Annualized dividend growth

📅 지급월 2월 · 9월 · 12월

📊 총 이력 2020~2026 (25건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$0.15

2020

$0.78 +420.0%

2021

$0.40 -48.7%

2022

$0.56 +40.0%

2023

$0.56 +0.0%

2024

$0.60 +7.1%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 25건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2026-02-25

$0.150

—

5.31%

2025-12-04

$0.150

—

5.28%

2025-09-04

$0.150

—

4.90%

2025-06-05

$0.150

—

4.48%

2025-02-26

$0.150

—

5.62%

2024-12-05

$0.140

—

3.79%

2024-09-04

$0.140

—

4.43%

2024-05-30

$0.140

—

6.35%

2024-03-01

$0.140

—

6.04%

2023-11-29

$0.140

—

5.86%

2023-08-30

$0.140

—

5.46%

2023-05-31

$0.140

—

5.16%

2023-03-03

$0.140

—

3.35%

2022-11-30

$0.100

—

3.64%

2022-08-31

$0.100

—

3.14%

2022-06-01

$0.100

—

2.74%

2022-03-02

$0.100

—

5.04%

2021-12-01

$0.070

—

5.17%

2021-09-01

$0.070

—

5.31%

2021-06-02

$0.070

—

5.42%

2021-04-20

$0.500

—

5.24%

2021-03-03

$0.070

—

1.60%

2020-12-02

$0.050

—

1.15%

2020-09-02

$0.050

—

0.88%

2020-06-03

$0.050

—

0.42%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 3.3만원

5년 누적 (세후) 31.1만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 31.95% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
RMBI This Stock	$258.0M	12.3 ▲	1.1 ▲	8.99% ▼	3.9% ▲	-1.0%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 리치몬드 뮤추얼 뱅코퍼레이션(RMBI)?

리치몬드 뮤추얼 뱅코퍼레이션(RMBI) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of RMBI?

The market cap of RMBI is approximately $258M, ranking 3,870 within its sector.

Does RMBI pay dividends?

RMBI has a dividend yield of approximately 3.90%, with an annual dividend of $0.60.

What is the P/E ratio of RMBI?

RMBI has a P/E ratio of approximately 12.3x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for RMBI?

RMBI has recorded a 52-week high of $16.59 and a low of $12.77.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.