Richmond Mutual Bancorporation Inc (RMBI)vsRoyal Bank of Canada (RY)
RMBI
Richmond Mutual Bancorporation Inc
$15.90
+1.53%
FINANCIAL SERVICES · Cap: $256.76M
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 134596% more annual revenue ($67.15B vs $49.85M). RY leads profitability with a 33.9% profit margin vs 24.1%. RMBI trades at a lower P/E of 13.1x. RY earns a higher WallStSmart Score of 63/100 (C+).
RMBI
Hold49
out of 100
Grade: D+
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 37.2%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
15.6% revenue growth
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Earnings declined 15.4%
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : RMBI
The strongest argument for RMBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.1% and operating margin at 37.2%. Revenue growth of 15.6% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : RMBI
The primary concerns for RMBI are Market Cap, Debt/Equity, EPS Growth. Debt-to-equity of 1.65 is elevated, increasing financial risk.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
RMBI profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
RMBI is growing revenue faster at 15.6% — sustainability is the question.
RMBI generates stronger free cash flow (3M), providing more financial flexibility.
Bottom Line
RY scores higher overall (63/100 vs 49/100), backed by strong 33.9% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Richmond Mutual Bancorporation Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Richmond Mutual Bancorporation, Inc. is a holding company of First Bank Richmond providing various banking services. The company is headquartered in Richmond, Indiana.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
Compare with Other BANKS - REGIONAL Stocks
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