Definitive Analysis
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Definitive Analysis

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Ticker

Industry

Sector

Richmond Mutual Bancorporation, Inc. (RMBI)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

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
Upside14.34%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR20242023202220212020201920182017
DPS0.00%0.00%0.570.590.440.920.180.000.050.000.000.00
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
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)2.131.330.80
Cash Retained (M)4.864.864.86
(-) Cash Required (M)-2.13-1.33-0.80
(=) Excess Retained (M)2.733.534.06
(/) Shares Outstanding (M)10.0610.0610.06
(=) Excess Retained per Share0.270.350.40
LTM Dividend per Share0.570.570.57
(+) Excess Retained per Share0.270.350.40
(=) Adjusted Dividend0.850.930.98
WACC / Discount Rate6.88%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)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)10.6410.5410.4310.3310.2210.1210.43
Payout Ratio54.33%61.46%68.60%75.73%82.87%90.00%92.50%
Projected Dividends (M)5.786.487.167.828.479.119.64

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate6.88%6.88%6.88%
Growth Rate-2.00%-1.00%0.00%
Year 1 PV (M)6.006.066.12
Year 2 PV (M)6.146.266.39
Year 3 PV (M)6.216.416.60
Year 4 PV (M)6.236.496.76
Year 5 PV (M)6.216.536.87
PV of Terminal Value (M)169.39178.21187.40
Equity Value (M)200.18209.96220.14
Shares Outstanding (M)10.0610.0610.06
Fair Value$19.90$20.87$21.88
Upside / Downside40.01%46.85%53.97%

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