Is RBB or RMBI more undervalued in 2026?

CirclFi compares RBB Bancorp (RBB) and Richmond Mutual Bancorporation, (RMBI) using 13 institutional-grade valuation models. RBB has a Quality of Company score of 8.2/10 while RMBI scores 8.8/10.

Which is a better buy — RBB or RMBI?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do RBB and RMBI valuations compare?

RBB at $23.77 and RMBI at $14.66 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

RBB vs RMBI Valuation Comparison 2026 — Intrinsic Value Analysis

RBB

Banks - Regional

RBB Bancorp

Quality

8.2

out of 10

Value Trap

SAFE

Price

$23.77

Last close

Models

10/13

Active

RMBI

Banks - Regional

Richmond Mutual Bancorporation,

Quality

8.8

out of 10

Value Trap

SAFE

Price

$14.66

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	RBB Fair Value	RBB Upside	RMBI Fair Value	RMBI Upside
Bayesian DCF	Intrinsic	$33.66	+41.6%	$8.18	-44.2%
Earnings Power Value	Intrinsic	$27.39	+15.2%	$13.58	-7.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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RBB vs RMBI — Which Stock Is More Undervalued?

RMBI scores higher with a 8.8/10 quality rating vs RBB's 8.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing RBB Bancorp (RBB) and Richmond Mutual Bancorporation, (RMBI) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

RBB currently trades at $23.77 with a QOC of 8.2/10, while RMBI trades at $14.66 with a QOC of 8.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).