Richmond Mutual Bancorporation Stock Buy Hold or Sell Recommendation
| RMBI Stock | USD 13.90 0.32 2.36% |
Given the investment horizon of 90 days and your bold attitude towards risk, our recommendation regarding Richmond Mutual Bancorporation is 'Strong Buy'. The recommendation algorithm takes into account all of Richmond Mutual's available fundamental, technical, and predictive indicators you will find on this site.
Check out Richmond Mutual Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. In addition, we conduct extensive research on individual companies such as Richmond and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Richmond Mutual Bancorporation. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
Richmond |
Execute Richmond Mutual Buy or Sell Advice
The Richmond recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Richmond Mutual Bancorporation. Macroaxis does not own or have any residual interests in Richmond Mutual Bancorporation or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Richmond Mutual's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Buy
Market Performance | Good | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Richmond Mutual Trading Alerts and Improvement Suggestions
| About 15.0% of the company outstanding shares are owned by corporate insiders | |
| Latest headline from news.google.com: RMBI stock hits 52-week high at 13.81 amid strong yearly growth - Investing.com |
Richmond Mutual Returns Distribution Density
The distribution of Richmond Mutual's historical returns is an attempt to chart the uncertainty of Richmond Mutual's future price movements. The chart of the probability distribution of Richmond Mutual daily returns describes the distribution of returns around its average expected value. We use Richmond Mutual Bancorporation price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Richmond Mutual returns is essential to provide solid investment advice for Richmond Mutual.
| Mean Return | 0.20 | Value At Risk | -1.47 | Potential Upside | 2.12 | Standard Deviation | 1.02 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Richmond Mutual historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Richmond Stock Institutional Investors
| Shares | Minerva Advisors Llc | 2024-09-30 | 30 K | Seacrest Wealth Management, Llc | 2024-06-30 | 28 K | Goldman Sachs Group Inc | 2024-06-30 | 25.1 K | Bridgeway Capital Management, Llc | 2024-06-30 | 25 K | Northern Trust Corp | 2024-09-30 | 21.6 K | Renaissance Technologies Corp | 2024-09-30 | 18.5 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 17.7 K | Umb Bank Na | 2024-09-30 | 10 K | Barclays Plc | 2024-06-30 | 9.3 K | Alliancebernstein L.p. | 2024-06-30 | 763.9 K | Vanguard Group Inc | 2024-09-30 | 590.5 K |
Richmond Mutual Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Investments | (106.8M) | (89.3M) | (212.2M) | (116.1M) | (145.9M) | (153.1M) | |
| Change In Cash | 25.6M | 8.2M | (25.7M) | (7.1M) | 4.3M | 4.5M | |
| Net Borrowings | 32.1M | 12.7M | 16M | 10M | 9M | 13.2M | |
| Free Cash Flow | 9.1M | 14.7M | (10.2M) | 17.8M | 11.2M | 8.7M | |
| Depreciation | 1.1M | 1.5M | 1.5M | 1.3M | 975.8K | 1.4M | |
| Other Non Cash Items | 27.2M | 2.8M | (20.7M) | (199.6K) | 330.4K | 313.9K | |
| Capital Expenditures | 960.0K | 1.9M | 579.5K | 385.1K | 619.2K | 718.6K | |
| Net Income | (14.1M) | 10.0M | 11.1M | 13.0M | 9.5M | 6.0M | |
| End Period Cash Flow | 40.6M | 48.8M | 23.0M | 15.9M | 20.2M | 20.5M | |
| Change To Netincome | 2.6M | 21.2M | 4.3M | 1.7M | 1.5M | 1.4M |
Richmond Mutual Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Richmond Mutual or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Richmond Mutual's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Richmond stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.16 | |
β | Beta against Dow Jones | 0.22 | |
σ | Overall volatility | 1.01 | |
Ir | Information ratio | 0.07 |
Richmond Mutual Volatility Alert
Richmond Mutual Bancorporation has relatively low volatility with skewness of 0.35 and kurtosis of 2.83. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Richmond Mutual's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Richmond Mutual's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Richmond Mutual Fundamentals Vs Peers
Comparing Richmond Mutual's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Richmond Mutual's direct or indirect competition across all of the common fundamentals between Richmond Mutual and the related equities. This way, we can detect undervalued stocks with similar characteristics as Richmond Mutual or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Richmond Mutual's fundamental indicators could also be used in its relative valuation, which is a method of valuing Richmond Mutual by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Richmond Mutual to competition |
| Fundamentals | Richmond Mutual | Peer Average |
| Return On Equity | 0.0684 | -0.31 |
| Return On Asset | 0.0061 | -0.14 |
| Profit Margin | 0.21 % | (1.27) % |
| Operating Margin | 0.30 % | (5.51) % |
| Current Valuation | 371.82 M | 16.62 B |
| Shares Outstanding | 10.11 M | 571.82 M |
| Shares Owned By Insiders | 14.55 % | 10.09 % |
| Shares Owned By Institutions | 20.70 % | 39.21 % |
| Number Of Shares Shorted | 39.93 K | 4.71 M |
| Price To Earning | 11.43 X | 28.72 X |
| Price To Book | 0.98 X | 9.51 X |
| Price To Sales | 3.32 X | 11.42 X |
| Revenue | 41.74 M | 9.43 B |
| Gross Profit | 45.91 M | 27.38 B |
| EBITDA | 12.19 M | 3.9 B |
| Net Income | 9.49 M | 570.98 M |
| Cash And Equivalents | 19.35 M | 2.7 B |
| Cash Per Share | 1.64 X | 5.01 X |
| Total Debt | 271 M | 5.32 B |
| Book Value Per Share | 13.93 X | 1.93 K |
| Cash Flow From Operations | 11.79 M | 971.22 M |
| Short Ratio | 5.27 X | 4.00 X |
| Earnings Per Share | 0.87 X | 3.12 X |
| Number Of Employees | 171 | 18.84 K |
| Beta | 0.62 | -0.15 |
| Market Capitalization | 140.47 M | 19.03 B |
| Total Asset | 1.46 B | 29.47 B |
| Retained Earnings | 87.9 M | 9.33 B |
| Annual Yield | 0.04 % | |
| Net Asset | 1.46 B | |
| Last Dividend Paid | 0.56 |
Note: Acquisition by Hanley Harold T. Iii of 5202 shares of Richmond Mutual at 9.7006 subject to Rule 16b-3 [view details]
Richmond Mutual Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Richmond . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Richmond Mutual Buy or Sell Advice
When is the right time to buy or sell Richmond Mutual Bancorporation? Buying financial instruments such as Richmond Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Check out Richmond Mutual Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try the Portfolio Backtesting module to avoid under-diversification and over-optimization by backtesting your portfolios.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Richmond Mutual. If investors know Richmond will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Richmond Mutual listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.276 | Dividend Share 0.56 | Earnings Share 0.87 | Revenue Per Share 4.169 | Quarterly Revenue Growth 0.061 |
The market value of Richmond Mutual Banc is measured differently than its book value, which is the value of Richmond that is recorded on the company's balance sheet. Investors also form their own opinion of Richmond Mutual's value that differs from its market value or its book value, called intrinsic value, which is Richmond Mutual's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Richmond Mutual's market value can be influenced by many factors that don't directly affect Richmond Mutual's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Richmond Mutual's value and its price as these two are different measures arrived at by different means. Investors typically determine if Richmond Mutual is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Richmond Mutual's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.