Richmond Mutual Valuation
| RMBI Stock | USD 14.32 0.16 1.10% |
At this time, the company appears to be fairly valued. Richmond Mutual Banc holds a recent Real Value of $14.54 per share. The prevailing price of the company is $14.32. Our model determines the value of Richmond Mutual Banc from analyzing the company fundamentals such as Shares Outstanding of 10.11 M, operating margin of 0.30 %, and Return On Equity of 0.0684 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Richmond Mutual's valuation include:
Price Book 1.0335 | Enterprise Value 376 M | Price Sales 3.4629 | Trailing PE 16.4598 | Enterprise Value Revenue 9.2944 |
Fairly Valued
Today
Please note that Richmond Mutual's price fluctuation is very steady at this time. Calculation of the real value of Richmond Mutual Banc is based on 3 months time horizon. Increasing Richmond Mutual's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Richmond Mutual is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Richmond Stock. However, Richmond Mutual's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 14.32 | Real 14.54 | Hype 14.29 | Naive 14.75 |
The intrinsic value of Richmond Mutual's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Richmond Mutual's stock price.
Estimating the potential upside or downside of Richmond Mutual Bancorporation helps investors to forecast how Richmond stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Richmond Mutual more accurately as focusing exclusively on Richmond Mutual's fundamentals will not take into account other important factors: When choosing an evaluation method for Richmond Mutual Banc, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Richmond Mutual Cash |
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Richmond Valuation Trend
Richmond Mutual's real value analysis enables investors to forecast the earnings more efficiently. Using both Richmond Mutual's enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing decisions.
Richmond Mutual Total Value Analysis
Richmond Mutual Bancorporation is at this time forecasted to have valuation of 376.04 M with market capitalization of 146.33 M, debt of 271 M, and cash on hands of 19.35 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Richmond Mutual fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
376.04 M | 146.33 M | 271 M | 19.35 M |
Richmond Mutual Investor Information
About 15.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.03. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Richmond Mutual Banc last dividend was issued on the 5th of December 2024. Based on the analysis of Richmond Mutual's profitability, liquidity, and operating efficiency, Richmond Mutual Bancorporation may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.Richmond Mutual Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of Richmond signifies not a very effective usage of assets in December.Richmond Mutual Ownership Allocation
The market capitalization of Richmond Mutual Banc is $146.33 Million. Richmond Mutual holds 14.55 pct. of its outstanding shares held by insiders and 20.7 pct. owned by third-party entities. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the company is less than the current market value, you may not be able generate positive returns on investment in the long run.Richmond Mutual Profitability Analysis
The company reported the previous year's revenue of 41.74 M. Net Income was 9.49 M with profit before overhead, payroll, taxes, and interest of 45.91 M.Richmond Mutual Past Distributions to stockholders
About Richmond Mutual Valuation
An absolute valuation paradigm, as applied to Richmond Stock, attempts to find the value of Richmond Mutual Banc based on its fundamental and basic technical indicators. By analyzing Richmond Mutual's financials, quarterly and monthly indicators, and their related drivers, such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Richmond Mutual's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Richmond Mutual. We calculate exposure to Richmond Mutual's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Richmond Mutual's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 41.7 M | 41.7 M | |
| Pretax Profit Margin | 0.26 | 0.28 | |
| Operating Profit Margin | 0.26 | 0.20 | |
| Net Profit Margin | 0.23 | 0.24 |
Richmond Mutual Quarterly Retained Earnings |
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A single share of Richmond Mutual represents a small ownership stake in the entity. As a stockholder of Richmond, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Richmond Mutual Dividends Analysis For Valuation
The Richmond Mutual's current Dividend Yield is estimated to increase to 0.05, while Dividends Paid is forecasted to increase to (5.6 M). . As of now, Richmond Mutual's Earnings Yield is increasing as compared to previous years. The Richmond Mutual's current Price Earnings Ratio is estimated to increase to 21.65, while Retained Earnings are projected to decrease to under 87.1 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -5.9 M | -5.6 M | |
| Dividend Yield | 0.05 | 0.05 | |
| Dividend Payout Ratio | 0.62 | 0.33 | |
| Dividend Paid And Capex Coverage Ratio | 1.85 | 1.76 |
There are various types of dividends Richmond Mutual can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Richmond shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Richmond Mutual Bancorporation directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Richmond pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Richmond Mutual by the value of the dividends paid out.
Richmond Mutual Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 10.5 M | |
| Quarterly Earnings Growth Y O Y | 0.276 |
Richmond Mutual Current Valuation Indicators
Valuation refers to the process of determining the present value of Richmond Mutual Bancorporation and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Richmond we look at many different elements of the entity such as Richmond's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Richmond Mutual, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Richmond Mutual's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Richmond Mutual's worth.Complementary Tools for Richmond Stock analysis
When running Richmond Mutual's price analysis, check to measure Richmond Mutual's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Richmond Mutual is operating at the current time. Most of Richmond Mutual's value examination focuses on studying past and present price action to predict the probability of Richmond Mutual's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Richmond Mutual's price. Additionally, you may evaluate how the addition of Richmond Mutual to your portfolios can decrease your overall portfolio volatility.
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