RMBI vs FGBI

Comparison between Richmond Mutual Bancorporation Inc (RMBI, Company) and First Guaranty Bancshares Inc (FGBI, Company).

Both RMBI and FGBI are from the Financial Services sector.

5-Year PerformanceRMBI has outperformed FGBI, delivering a return of +4.7% compared to -8.7%

RMBI vs FGBI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	RMBI(COMPANY)	FGBI(COMPANY)
Market Cap	$164M	$163M
Max Drawdown	51.31%	85.06%
Sharpe Ratio	0.63	0.50
5Y Beta	0.35	0.58
Industry	Banks - Regional	Banks - Regional
P/E Ratio	13.15	-2.68
Forward P/E	N/A	12.61
PEG Ratio	0.31	0.00
Dividend Yield	3.81%	0.41%
5Y Dividends CAGR	-1.03%	-41.46%
5Y EPS CAGR	9.29%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	9.14%	21.60%
P/S Ratio	3.17	4.12
P/B Ratio	1.05	0.82

Market Cap

Winner

RMBI

$164M

FGBI

$163M

Max Drawdown

Winner

RMBI

51.31%

FGBI

85.06%

Sharpe Ratio

Winner

RMBI

0.63

FGBI

0.50

5Y Beta

Winner

RMBI

0.35

FGBI

0.58

Industry

RMBI

Banks - Regional

FGBI

Banks - Regional

P/E Ratio

RMBI

13.15

Winner

FGBI

-2.68

Forward P/E

RMBI

N/A

FGBI

12.61

PEG Ratio

RMBI

0.31

Winner

FGBI

0.00

Dividend Yield

Winner

RMBI

3.81%

FGBI

0.41%

5Y Dividends CAGR

Winner

RMBI

-1.03%

FGBI

-41.46%

5Y EPS CAGR

RMBI

9.29%

FGBI

N/A

Debt to Equity

RMBI

0.00%

FGBI

0.00%

Free Cash Flow Yield

RMBI

9.14%

Winner

FGBI

21.60%

P/S Ratio

Winner

RMBI

3.17

FGBI

4.12

P/B Ratio

RMBI

1.05

Winner

FGBI

0.82

RMBI vs FGBI - Historical Returns

Returns include dividend reinvestment.

Period	RMBI	FGBI
1 month	+8.29%	-3.73%
3 months	+5.28%	+2.12%
6 months	+13.68%	+7.29%
1 year	+18.20%	+19.39%
5 years(CAGR)	+4.66%	-8.67%
10 years(CAGR)	N/A	-0.39%
Max(CAGR)	+5.89%	+2.27%

Winner

RMBI

+8.29%

FGBI

-3.73%

Winner

RMBI

+5.28%

FGBI

+2.12%

Winner

RMBI

+13.68%

FGBI

+7.29%

RMBI

+18.20%

Winner

FGBI

+19.39%

5Y(CAGR)

Winner

RMBI

+4.66%

FGBI

-8.67%

10Y(CAGR)

RMBI

N/A

FGBI

-0.39%

Max(CAGR)

Winner

RMBI

+5.89%

FGBI

+2.27%

RMBI vs FGBI - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	RMBI	FGBI
2026	+16.12%	+78.08%
2025	+5.62%	-52.21%
2024	+26.62%	+4.92%
2023	-7.15%	-50.12%
2022	-16.96%	+19.50%
2021	+25.09%	+33.51%
2020	-12.90%	-16.22%
2019	+16.92%	+5.26%
2018	N/A	-6.75%
2017	N/A	+6.35%
2016	N/A	+32.37%
2015	N/A	+12.22%
2014	N/A	+41.15%
2013	N/A	+14.39%
2012	N/A	+11.36%
2011	N/A	+10.99%
2010	N/A	-8.35%
2009	N/A	-35.99%
2008	N/A	+2.88%
2007	N/A	-1.83%
2006	N/A	+27.46%
2005	N/A	-1.92%
2004	N/A	+34.21%
2003	N/A	+4.03%
2002	N/A	+2.03%
2001	N/A	-11.80%

RMBI vs FGBI Drawdown Comparison

The maximum drawdown for RMBI was -49.72%, occurring on May 4, 2023. Recovery took 1040 trading sessions.

The maximum drawdown for FGBI was -83.21%, occurring on Dec 5, 2025. This drawdown has not yet recovered.

The current RMBI drawdown is -1.61%. The current FGBI drawdown is -63.44%.

Rank	RMBI	FGBI
#1	-49.72% Mar 4, 2022 - Apr 28, 2026	-83.21% May 27, 2022 - Dec 5, 2025
#2	-42.79% Dec 31, 2019 - Jul 15, 2021	-54.96% Dec 6, 2017 - Jan 12, 2022
#3	-11.38% Apr 30, 2026 - Jun 26, 2026	-50.55% Sep 18, 2009 - Feb 15, 2012
#4	-9.45% Jun 26, 2026 - Jul 7, 2026	-36.56% Apr 27, 2006 - Jun 1, 2006
#5	-6.15% Jul 2, 2019 - Sep 16, 2019	-35.26% Feb 15, 2012 - Sep 24, 2014
#6	-3.73% Aug 11, 2021 - Oct 4, 2021	-29.74% Dec 21, 2015 - Dec 5, 2016
#7	-3.63% Sep 20, 2019 - Nov 18, 2019	-16.67% Jan 8, 2001 - Jan 5, 2004
#8	-3.10% Nov 24, 2021 - Feb 2, 2022	-16.50% Dec 11, 2014 - Sep 8, 2015
#9	-2.90% Jul 15, 2021 - Jul 20, 2021	-16.22% Sep 26, 2014 - Oct 31, 2014
#10	-2.41% Oct 13, 2021 - Oct 26, 2021	-14.60% Dec 29, 2006 - Jul 16, 2008
#11	-2.10% Nov 4, 2021 - Nov 17, 2021	-11.63% Sep 7, 2017 - Dec 4, 2017
#12	-1.97% Oct 4, 2021 - Oct 13, 2021	-10.71% Jan 5, 2005 - Apr 7, 2006
#13	-1.94% Nov 22, 2021 - Nov 24, 2021	-10.71% Oct 20, 2015 - Dec 3, 2015
#14	-1.92% Feb 2, 2022 - Feb 15, 2022	-10.07% May 16, 2017 - Sep 5, 2017
#15	-1.90% Nov 25, 2019 - Dec 6, 2019	-9.78% Feb 8, 2017 - May 4, 2017

Correlation

Correlation between RMBI and FGBI is 0.05 which considered as a very weak or no correlation - the stocks move independently of each other.

0.05

-101

Dividend Comparison (2001 - 2026)

RMBI vs FGBI dividend yield comparison.

Year	RMBI	FGBI
2026	1.88%	0.21%
2025	4.27%	0.74%
2024	3.96%	3.61%
2023	4.87%	5.76%
2022	3.07%	2.73%
2021	4.86%	2.93%
2020	1.10%	3.60%
2019	0.00%	2.74%
2018	0.00%	2.76%
2017	0.00%	2.56%
2016	0.00%	2.67%
2015	0.00%	3.18%
2014	0.00%	3.37%
2013	0.00%	4.56%
2012	0.00%	2.49%
2011	0.00%	2.46%
2010	0.00%	6.67%
2009	0.00%	4.57%
2008	0.00%	2.84%
2007	0.00%	2.09%
2006	0.00%	3.20%
2005	0.00%	3.89%
2004	0.00%	2.38%
2003	0.00%	3.97%
2002	0.00%	2.02%
2001	0.00%	3.25%