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Richmond Mutual BancorpRMBI -1.00%64 PS Ratio is 3.02 as of Jul. 21, 2026, which is 8% below its 10-year median of 3.30. GuruFocus rates RMBI with a GF Score™ of 64/100 and a GF Value™ of $15.33 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,514 Banks companies, Richmond Mutual Bancorp ranks worse than 50.86% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Richmond Mutual Bancorp's share price is $15.345.
Richmond Mutual Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $5.09. Hence, Richmond Mutual Bancorp's PS Ratio for today is 3.02.
The historical rank and industry rank for Richmond Mutual Bancorp's PS Ratio or its related term are showing as below:
RMBI'
s PS Ratio Range Over the Past 10 Years
Min: 2.18 Med: 3.3 Max: 6.03
Current: 3.01
During the past 9 years, Richmond Mutual Bancorp's highest PS Ratio was 6.03. The lowest was 2.18. And the median was 3.30.
RMBI's PS Ratio is ranked worse than 50.86% of 1514
companies
in the Banks industry
Industry Median: 3.035
vs RMBI: 3.01
During the past 9 years, Richmond Mutual Bancorp's highest 3-Year average Revenue per Share Growth Rate was 15.50% per year. The lowest was 4.10% per year. And the median was 11.25% per year.
Back to Basics: PS Ratio
Richmond Mutual Bancorp (NAS:RMBI) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Richmond Mutual Bancorp's PS Ratio distribution charts can be found below:
* The bar in red indicates where Richmond Mutual Bancorp's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Richmond Mutual Bancorp's Share Price of today is $15.345. Richmond Mutual Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.09.
* 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.
It can also be calculated from the numbers for the whole company:
Richmond Mutual Bancorp (RMBI) has a PS Ratio of 3.02 as of Jul. 21, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Richmond Mutual Bancorp and its competitors. This is near median its historical median of 3.30. Over the past decade, Richmond Mutual Bancorp's PS Ratio has ranged from 2.18 to 6.03. According to the industry distribution chart, Richmond Mutual Bancorp ranks #770 out of 1514 companies in the Banks industry, placing it in the top 50.9%.
Is Richmond Mutual Bancorp's PS Ratio too high?
Richmond Mutual Bancorp's current PS Ratio of 3.02 is near median its 10-year median of 3.30. Over the past 10 years, this metric has ranged from a low of 2.18 to a high of 6.03. The Banks industry median PS Ratio is 3.04. Richmond Mutual Bancorp's value of 3.02 is 0.5% below this industry median. Based on the distribution chart, Richmond Mutual Bancorp ranks #770 out of 1514 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 PS Ratio compare to TYCB and SBFG?
According to the Banks industry distribution chart, Richmond Mutual Bancorp ranks #770 out of 1514 companies for PS Ratio. This places Richmond Mutual Bancorp in the lower half of its industry. The industry median PS Ratio is 3.04. Richmond Mutual Bancorp's value of 3.02 is 0.5% below this benchmark. Historically, Richmond Mutual Bancorp's own PS Ratio has ranged from 2.18 to 6.03 over the past decade. While the company's 10-year median is 3.30 vs. the industry median of 3.04, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.04, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Richmond Mutual Bancorp's current PS Ratio of 3.02 is 0.5% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Richmond Mutual Bancorp and its competitors. For the Banks industry, the median PS Ratio is 3.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Richmond Mutual Bancorp's current PS Ratio is 3.02, which is near median its own 10-year median of 3.30. 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 $15.33, compared to a current price of $15.35 — trading 0.1% above its estimated fair value. The current PS Ratio is 3.02, which is near median its 10-year median of 3.30 and 0.5% below the Banks industry median of 3.04. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Richmond Mutual Bancorp (RMBI), the current PS Ratio is 3.02 as of Jul. 21, 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 $15.35 is trading 0.1% above its estimated GF Value™ of $15.33.
GuruFocus considers Richmond Mutual Bancorp to be Fairly Valued.
Key valuation signals for RMBI:
PS Ratio: 3.02 (near median its 10-year median of 3.30)
GF Value™: $15.33 vs. price of $15.35 (0.1% above fair value)
Industry Position: 0.5% below the Banks median (#770 of 1514)
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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