Richmond Mutual Bancorporation Inc (RMBI)vsU.S. Bancorp (USB)
RMBI
Richmond Mutual Bancorporation Inc
$14.53
+1.47%
FINANCIAL SERVICES · Cap: $146.40M
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 55279% more annual revenue ($26.65B vs $48.12M). USB leads profitability with a 29.3% profit margin vs 25.8%. USB trades at a lower P/E of 11.4x. USB earns a higher WallStSmart Score of 71/100 (B).
RMBI
Buy64
out of 100
Grade: C+
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 30.2%
Keeps 26 of every $100 in revenue as profit
Earnings expanding 40.0% YoY
Generating 2.8B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : RMBI
The strongest argument for RMBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 25.8% and operating margin at 30.2%. Revenue growth of 12.7% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : RMBI
The primary concerns for RMBI are Market Cap, Debt/Equity, Altman Z-Score. Debt-to-equity of 1.77 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
RMBI profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
RMBI is growing revenue faster at 12.7% — sustainability is the question.
RMBI generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 64/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Buy" 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 →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?