Is RMBI or SBCF more undervalued in 2026?

CirclFi compares Richmond Mutual Bancorporation, (RMBI) and Seacoast Banking Corporation of (SBCF) using 13 institutional-grade valuation models. RMBI has a Quality of Company score of 8.8/10 while SBCF scores 8.3/10.

Which is a better buy — RMBI or SBCF?

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 RMBI and SBCF valuations compare?

RMBI at $14.66 and SBCF at $30.23 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

RMBI vs SBCF Valuation Comparison 2026 — Intrinsic Value Analysis

RMBI

Banks - Regional

Richmond Mutual Bancorporation,

Quality

8.8

out of 10

Value Trap

SAFE

Price

$14.66

Last close

Models

10/13

Active

SBCF

Banks - Regional

Seacoast Banking Corporation of

Quality

8.3

out of 10

Value Trap

LOW

Price

$30.23

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	RMBI Fair Value	RMBI Upside	SBCF Fair Value	SBCF Upside
Bayesian DCF	Intrinsic	$8.18	-44.2%	$10.78	-64.4%
Earnings Power Value	Intrinsic	$13.58	-7.4%	$18.18	-39.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for RMBI vs SBCF — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

RMBI vs SBCF — Which Stock Is More Undervalued?

RMBI scores higher with a 8.8/10 quality rating vs SBCF's 8.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Richmond Mutual Bancorporation, (RMBI) and Seacoast Banking Corporation of (SBCF) 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.

RMBI currently trades at $14.66 with a QOC of 8.8/10, while SBCF trades at $30.23 with a QOC of 8.3/10.

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).