Richmond Mutual Bancorporation, Inc. cash flow to debt ratio of 6.34% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Richmond Mutual Bancorporation, Inc.'s free cash flow has increased 2.21% from $14.29M last year to $14.61M, signaling increasing performance

Richmond Mutual Bancorporation, Inc.'s debt to equity ratio is 1.77, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy

Richmond Mutual Bancorporation, Inc.'s debt has decreased relative to shareholder equity from 1.99 last year to 1.77 today, signaling strengthened financials

Richmond Mutual Bancorporation, Inc. has a net debt to EBITDA ratio of 14.57x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Richmond Mutual Bancorporation, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Richmond Mutual Bancorporation, Inc.'s profit margin has increased (23.08%) in the last year from 11.03% to 13.57%, signaling increasing performance

Richmond Mutual Bancorporation, Inc.'s short-term liabilities of $1.12G exceed its short-term assets of $293.42M, signaling financial risk

Richmond Mutual Bancorporation, Inc.'s return on assets of 0.82% is lower than the 5.00% threshold, indicating inefficient asset utilization

Richmond Mutual Bancorporation, Inc.'s return on equity of 8.80%, is lower than 15.00%, indicating bad performance

Richmond Mutual Bancorporation, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Richmond Mutual Bancorporation, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

Richmond Mutual Bancorporation, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Richmond Mutual Bancorporation, Inc. has a free cash flow yield of 9.23%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Richmond Mutual Bancorporation, Inc.'s yearly earnings has increased 23.45% since last year from $9.38M to $11.58M, signaling increasing performance

Richmond Mutual Bancorporation, Inc.'s yearly revenue has increased 6.87% since last year from $85.05M to $90.89M, signaling increasing performance

ROIC 3.11% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Richmond Mutual Bancorporation, Inc.'s 3-year revenue CAGR of 17.11% is positive, indicating growing revenue over the past 3 years

Richmond Mutual Bancorporation, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance

Richmond Mutual Bancorporation, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

Richmond Mutual Bancorporation, Inc. is undervalued relative to its fair value price of 29.95K based on Discounted Cash Flow model

Richmond Mutual Bancorporation, Inc. has an earnings yield of 7.91%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Richmond Mutual Bancorporation, Inc. is undervalued relative to its fair value price of 934.58 based on EBITDA multiple model

Richmond Mutual Bancorporation, Inc. has an EV/EBITDA ratio of 23.24x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Richmond Mutual Bancorporation, Inc. is undervalued relative to its fair value price of 29.86 based on Earnings Fair Value model

Richmond Mutual Bancorporation, Inc. has a PEG-ratio under 1 which is considered undervalued

Richmond Mutual Bancorporation, Inc. has a price-to-book ratio of 1.08x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Richmond Mutual Bancorporation, Inc. has a price-to-sales ratio of 1.73x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue