RMBI vs ZBAI

Comparison between Richmond Mutual Bancorporation Inc (RMBI, Company) and ATIF Holdings Ltd (ZBAI, Company).

Both RMBI and ZBAI are from the Financial Services sector.

RMBI vs ZBAI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	RMBI(COMPANY)	ZBAI(COMPANY)
Market Cap	$155M	$155M
Max Drawdown	51.31%	88.45%
Sharpe Ratio	0.58	-0.01
5Y Beta	0.39	N/A
Industry	Banks - Regional	Capital Markets
P/E Ratio	12.44	-22.49
PEG Ratio	0.29	N/A
Dividend Yield	4.10%	N/A
5Y Dividends CAGR	-1.03%	N/A
5Y EPS CAGR	9.29%	N/A
Debt to Equity	0.00%	2.97%
Free Cash Flow Yield	9.66%	-1.40%

Market Cap

RMBI

$155M

Winner

ZBAI

$155M

Max Drawdown

Winner

RMBI

51.31%

ZBAI

88.45%

Sharpe Ratio

Winner

RMBI

0.58

ZBAI

-0.01

5Y Beta

RMBI

0.39

ZBAI

N/A

Industry

RMBI

Banks - Regional

ZBAI

Capital Markets

P/E Ratio

RMBI

12.44

Winner

ZBAI

-22.49

PEG Ratio

RMBI

0.29

ZBAI

N/A

Dividend Yield

RMBI

4.10%

ZBAI

N/A

5Y Dividends CAGR

RMBI

-1.03%

ZBAI

N/A

5Y EPS CAGR

RMBI

9.29%

ZBAI

N/A

Debt to Equity

Winner

RMBI

0.00%

ZBAI

2.97%

Free Cash Flow Yield

Winner

RMBI

9.66%

ZBAI

-1.40%

RMBI vs ZBAI - Historical Returns

Returns include dividend reinvestment.

Period	RMBI	ZBAI
1 month	+6.01%	+29.90%
3 months	+12.40%	+46.72%
6 months	+4.67%	+14.74%
1 year	+16.49%	-50.28%
5 years(CAGR)	+5.01%	N/A
Max(CAGR)	+4.84%	-16.42%

RMBI

+6.01%

Winner

ZBAI

+29.90%

RMBI

+12.40%

Winner

ZBAI

+46.72%

RMBI

+4.67%

Winner

ZBAI

+14.74%

Winner

RMBI

+16.49%

ZBAI

-50.28%

5Y(CAGR)

RMBI

+5.01%

ZBAI

N/A

Max(CAGR)

Winner

RMBI

+4.84%

ZBAI

-16.42%

RMBI vs ZBAI - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

Year	RMBI	ZBAI
2026	+7.51%	+29.71%
2025	+5.62%	-77.55%
2024	+26.62%	+67.36%
2023	-7.15%	N/A
2022	-16.96%	N/A
2021	+25.09%	N/A
2020	-12.90%	N/A
2019	+16.92%	N/A

RMBI vs ZBAI Drawdown Comparison

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

The maximum drawdown for ZBAI was -88.45%, occurring on Mar 19, 2026. This drawdown has not yet recovered.

The current RMBI drawdown is -5.79%. The current ZBAI drawdown is -76.93%.

Rank	RMBI	ZBAI
#1	-49.72% Mar 4, 2022 - Apr 28, 2026	-88.45% Jan 13, 2025 - Mar 19, 2026
#2	-42.79% Dec 31, 2019 - Jul 15, 2021	-13.96% Dec 23, 2024 - Dec 27, 2024
#3	-11.38% Apr 30, 2026 - May 15, 2026	-5.21% Dec 30, 2024 - Jan 2, 2025
#4	-6.15% Jul 2, 2019 - Sep 16, 2019	-3.10% Jan 3, 2025 - Jan 8, 2025
#5	-3.73% Aug 11, 2021 - Oct 4, 2021	N/A
#6	-3.63% Sep 20, 2019 - Nov 18, 2019	N/A
#7	-3.10% Nov 24, 2021 - Feb 2, 2022	N/A
#8	-2.90% Jul 15, 2021 - Jul 20, 2021	N/A
#9	-2.41% Oct 13, 2021 - Oct 26, 2021	N/A
#10	-2.10% Nov 4, 2021 - Nov 17, 2021	N/A
#11	-1.97% Oct 4, 2021 - Oct 13, 2021	N/A
#12	-1.94% Nov 22, 2021 - Nov 24, 2021	N/A
#13	-1.92% Feb 2, 2022 - Feb 15, 2022	N/A
#14	-1.90% Nov 25, 2019 - Dec 6, 2019	N/A
#15	-1.69% Jul 23, 2021 - Aug 6, 2021	N/A

Correlation

Correlation between RMBI and ZBAI is -0.49 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.49

-101