DDM Analysis: RMBI

Valuation Snapshot

Stable Growth	$9.34 - $14.22	$11.63
Multi-Stage	$19.90 - $21.88	$20.87
Blended Fair Value	$16.25
Current Price	$14.21
Upside	14.34%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017
DPS	0.00%	0.00%	0.57	0.59	0.44	0.92	0.18	0.00	0.05	0.00	0.00	0.00
YoY Growth	-	-	-3.78%	34.34%	-52.49%	404.46%	0.00%	-100.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	4.42%	5.07%	4.22%	5.40%	1.35%	0.00%	0.36%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	10.64
(-) Cash Dividends Paid (M)	5.78
(=) Cash Retained (M)	4.86

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	2.13	1.33	0.80
Cash Retained (M)	4.86	4.86	4.86
(-) Cash Required (M)	-2.13	-1.33	-0.80
(=) Excess Retained (M)	2.73	3.53	4.06
(/) Shares Outstanding (M)	10.06	10.06	10.06
(=) Excess Retained per Share	0.27	0.35	0.40
LTM Dividend per Share	0.57	0.57	0.57
(+) Excess Retained per Share	0.27	0.35	0.40
(=) Adjusted Dividend	0.85	0.93	0.98
WACC / Discount Rate	6.88%	6.88%	6.88%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$9.34	$11.63	$14.22
Upside / Downside	-34.28%	-18.17%	0.09%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	10.64	10.54	10.43	10.33	10.22	10.12	10.43
Payout Ratio	54.33%	61.46%	68.60%	75.73%	82.87%	90.00%	92.50%
Projected Dividends (M)	5.78	6.48	7.16	7.82	8.47	9.11	9.64

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.88%	6.88%	6.88%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	6.00	6.06	6.12
Year 2 PV (M)	6.14	6.26	6.39
Year 3 PV (M)	6.21	6.41	6.60
Year 4 PV (M)	6.23	6.49	6.76
Year 5 PV (M)	6.21	6.53	6.87
PV of Terminal Value (M)	169.39	178.21	187.40
Equity Value (M)	200.18	209.96	220.14
Shares Outstanding (M)	10.06	10.06	10.06
Fair Value	$19.90	$20.87	$21.88
Upside / Downside	40.01%	46.85%	53.97%

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Richmond Mutual Bancorporation, Inc. (RMBI)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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