Richmond Mutual Bancorporation Inc (RMBI)vsU.S. Bancorp (USB)
RMBI
Richmond Mutual Bancorporation Inc
$15.79
-0.44%
FINANCIAL SERVICES · Cap: $254.20M
USB
U.S. Bancorp
$59.74
-0.23%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 55835% more annual revenue ($27.89B vs $49.85M). USB leads profitability with a 30.0% profit margin vs 24.1%. USB trades at a lower P/E of 11.4x. USB earns a higher WallStSmart Score of 73/100 (B).
RMBI
Hold49
out of 100
Grade: D+
USB
Strong Buy73
out of 100
Grade: B
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
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Earnings declined 15.4%
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
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 : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
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 : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
RMBI profiles as a growth stock while USB is a mature 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 15.6% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (73/100 vs 49/100), backed by strong 30.0% margins. Both earn "Strong 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 →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.
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