Richmond Mutual Bancorporation, — Earnings Quality Grade F
RMBI · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 47 days, change -4 days YoY
AR growth 4.5% vs revenue growth 12.8%
Revenue 12.8%, CFFO 8.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 195.8% is >2x revenue growth 12.8%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.38. Profits backed by cash
FCF $0.0B, FCF/NI = 1.26
Accruals ratio = -0.3%. Low accruals
Cash $0.0B covers only 14% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 1% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Richmond Mutual Bancorporation, is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25