What Is Richmond Mutual Bancorporation, (RMBI) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Richmond Mutual Bancorporation,'s intrinsic value is estimated at a composite fair value of $23.30. While the stock appears modestly undervalued at $15.20 (implied upside of +53.3%), our analysis suggests a thinner margin of safety across 8 of 11 bullish models. Notably, RCMH-DCF sees the most upside at +228.7% (fair value: $49.96), while EPV is the most conservative at -40.4% ($9.05). The spread between these extremes — +269.1% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About RMBI?
11 of 13 models are currently active for RMBI. Of these, 8 models suggest upside while 3 models suggest overvaluation. The Bayesian DCF estimates RMBI's intrinsic value at $36.59, implying +140.7% upside from the current price. See which stocks rank higher →
How Does RMBI Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, RMBI ranks #71 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places RMBI in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
The State Commercial Banks sector introduces analytical considerations specific to financial institution businesses. For Richmond Mutual Bancorporation,, metrics like cost-to-income ratio provide important context that general-purpose valuation models may underweight.
Is RMBI a Value Trap?
CirclFi's Value Trap algorithm assigns RMBI a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for Richmond Mutual Bancorporation,. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Richmond Mutual Bancorporation, scores 8.4 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +269.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every RMBI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across RMBI's 11 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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