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Richmond Mutual BancorpRMBI +1.07%64 FCF Margin % is 20.15% as of Jun. 2026, which is 26% below its 10-year median of 27.32. GuruFocus rates RMBI with a GF Score™ of 64/100 and a GF Value™ of $15.98 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,490 Banks companies, Richmond Mutual Bancorp ranks worse than 52.15% on this metric.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Richmond Mutual Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Richmond Mutual Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Richmond Mutual Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Richmond Mutual Bancorp's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Richmond Mutual Bancorp (RMBI) has a FCF Margin % of 20.15% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Richmond Mutual Bancorp and its competitors. This is 26% below median its historical median of 27.32. According to the industry distribution chart, Richmond Mutual Bancorp ranks #777 out of 1490 companies in the Banks industry, placing it in the top 52.1%.
Is Richmond Mutual Bancorp's FCF Margin % too high?
Richmond Mutual Bancorp's current FCF Margin % of 20.15% is 26% below median its 10-year median of 27.32. The Banks industry median FCF Margin % is 27.41. Richmond Mutual Bancorp's value of 20.15% is 26.5% below this industry median. Based on the distribution chart, Richmond Mutual Bancorp ranks #777 out of 1490 companies in the Banks industry, which is below the industry midpoint. Overall, Richmond Mutual Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Richmond Mutual Bancorp's FCF Margin % compare to FFBB and FFMH?
According to the Banks industry distribution chart, Richmond Mutual Bancorp ranks #777 out of 1490 companies for FCF Margin %. This places Richmond Mutual Bancorp in the lower half of its industry. The industry median FCF Margin % is 27.41. Richmond Mutual Bancorp's value of 20.15% is 26.5% below this benchmark. While the company's 10-year median is 27.32 vs. the industry median of 27.41, Richmond Mutual Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.41, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Richmond Mutual Bancorp's current FCF Margin % of 20.15% is 26.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Richmond Mutual Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 27.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Richmond Mutual Bancorp's current FCF Margin % is 20.15%, which is 26% below median its own 10-year median of 27.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Richmond Mutual Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Richmond Mutual Bancorp (RMBI) is currently considered Fairly Valued. The stock's GF Value™ is $15.98, compared to a current price of $16.00 — trading 0.1% above its estimated fair value. The current FCF Margin % is 20.15%, which is 26% below median its 10-year median of 27.32 and 26.5% below the Banks industry median of 27.41. Richmond Mutual Bancorp's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Richmond Mutual Bancorp (RMBI), the current FCF Margin % is 20.15% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Richmond Mutual Bancorp (RMBI) Overvalued in 2026?
Based on GuruFocus' analysis, Richmond Mutual Bancorp stock appears to be overvalued.
The current stock price of $16.00 is trading 0.1% above its estimated GF Value™ of $15.98.
GuruFocus considers Richmond Mutual Bancorp to be Fairly Valued.
Key valuation signals for RMBI:
FCF Margin %: 20.15% (26% below median its 10-year median of 27.32)
GF Value™: $15.98 vs. price of $16.00 (0.1% above fair value)
Industry Position: 26.5% below the Banks median (#777 of 1490)
No single metric tells the full story. See the RMBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Richmond Mutual Bancorp Inc is a bank holding company. Along with its subsidiary, it is mainly engaged in attracting deposits from the general public, as well as brokered deposits, and investing those funds in loans secured by commercial and multi-family real estate, first mortgages on owner-occupied, one- to four-family residences, a variety of consumer loans, direct financing leases, and commercial and industrial loans. It also obtains funds by utilizing Federal Home Loan Bank (FHLB) advances. These funds are generally invested in investment securities, including mortgage-backed and mortgage-related securities and agency and municipal bonds. The Group's primary market area includes Wayne and Shelby counties in Indiana and Shelby, Miami, and Franklin counties in Ohio.
64GF Score
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