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Richmond Mutual BancorpRMBI +1.07%64 Return-on-Tangible-Equity is 6.16% as of Jun. 2026, which is 10% below its 10-year median of 6.87. 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 1,514 Banks companies, Richmond Mutual Bancorp ranks worse than 66.45% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Richmond Mutual Bancorp's annualized net income for the quarter that ended in Jun. 2026 was $8.91 Mil. Richmond Mutual Bancorp's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $144.72 Mil. Therefore, Richmond Mutual Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 6.16%.
The historical rank and industry rank for Richmond Mutual Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
RMBI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -10.38 Med: 6.87 Max: 8.56
Current: 8.56
During the past 9 years, Richmond Mutual Bancorp's highest Return-on-Tangible-Equity was 8.56%. The lowest was -10.38%. And the median was 6.87%.
RMBI's Return-on-Tangible-Equity is ranked worse than 66.45% of 1514
companies
in the Banks industry
Industry Median: 11.455
vs RMBI: 8.56
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Richmond Mutual Bancorp Return-on-Tangible-Equity Related Terms
Richmond Mutual Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Richmond Mutual Bancorp's Return-on-Tangible-Equity can be seen below:
* 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.
RMBI vs FFBB, FFMH, VABK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Richmond Mutual Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Richmond Mutual Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Richmond Mutual Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.16% mean?
Richmond Mutual Bancorp (RMBI) has a Return-on-Tangible-Equity of 6.16% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Richmond Mutual Bancorp and its competitors. This is 10% below median its historical median of 6.87. According to the industry distribution chart, Richmond Mutual Bancorp ranks #1006 out of 1514 companies in the Banks industry, placing it in the top 66.4%.
Is Richmond Mutual Bancorp's Return-on-Tangible-Equity too high?
Richmond Mutual Bancorp's current Return-on-Tangible-Equity of 6.16% is 10% below median its 10-year median of 6.87. The Banks industry median Return-on-Tangible-Equity is 11.46. Richmond Mutual Bancorp's value of 6.16% is 46.2% below this industry median. Based on the distribution chart, Richmond Mutual Bancorp ranks #1006 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 Return-on-Tangible-Equity compare to FFBB and FFMH?
According to the Banks industry distribution chart, Richmond Mutual Bancorp ranks #1006 out of 1514 companies for Return-on-Tangible-Equity. This places Richmond Mutual Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.46. Richmond Mutual Bancorp's value of 6.16% is 46.2% below this benchmark. While the company's 10-year median is 6.87 vs. the industry median of 11.46, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.46, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Richmond Mutual Bancorp's current Return-on-Tangible-Equity of 6.16% is 46.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Richmond Mutual Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Richmond Mutual Bancorp's current Return-on-Tangible-Equity is 6.16%, which is 10% below median its own 10-year median of 6.87. 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 Return-on-Tangible-Equity is 6.16%, which is 10% below median its 10-year median of 6.87 and 46.2% below the Banks industry median of 11.46. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Richmond Mutual Bancorp (RMBI), the current Return-on-Tangible-Equity is 6.16% 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:
Return-on-Tangible-Equity: 6.16% (10% below median its 10-year median of 6.87)
GF Value™: $15.98 vs. price of $16.00 (0.1% above fair value)
Industry Position: 46.2% below the Banks median (#1006 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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