Accepts deposits, including savings, money market, and checking accounts. Offers multi-family and commercial real estate loans. Now — the numbers.
This is an established company with proven profits.
Average growth of 15% a year over the last 4 years. Every year shown ended in profit.
The market pays 21.7× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 93% of them.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
Clearly above the class average — a step short of the very top.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades below its recent peak — about 13% off the top. A pullback, not a collapse.
Over the last 4 years, sales grew about 15% a year on average.
Over the last 12 months, company executives reported 17 buys and 1 sell. Management buying with its own money is usually read as a good sign.
It pays out $0.60 per share each year — regular cash for whoever holds the stock.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, RMBI sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: RMBI is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.