ZBAI vs RMBI

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

Both ZBAI and RMBI are from the Financial Services sector.

ZBAI vs RMBI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

ZBAI

$155M

RMBI

$155M

Max Drawdown

ZBAI

88.45%

Winner

RMBI

51.31%

Sharpe Ratio

ZBAI

-0.01

Winner

RMBI

0.58

5Y Beta

ZBAI

N/A

RMBI

0.39

Industry

ZBAI

Capital Markets

RMBI

Banks - Regional

P/E Ratio

Winner

ZBAI

-22.49

RMBI

12.44

PEG Ratio

ZBAI

N/A

RMBI

0.29

Dividend Yield

ZBAI

N/A

RMBI

4.10%

5Y Dividends CAGR

ZBAI

N/A

RMBI

-1.03%

5Y EPS CAGR

ZBAI

N/A

RMBI

9.29%

Debt to Equity

ZBAI

2.97%

Winner

RMBI

0.00%

Free Cash Flow Yield

ZBAI

-1.40%

Winner

RMBI

9.66%

ZBAI vs RMBI - Historical Returns

Returns include dividend reinvestment.

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

Winner

ZBAI

+29.90%

RMBI

+6.01%

Winner

ZBAI

+46.72%

RMBI

+12.40%

Winner

ZBAI

+14.74%

RMBI

+4.67%

ZBAI

-50.28%

Winner

RMBI

+16.49%

5Y(CAGR)

ZBAI

N/A

RMBI

+5.01%

Max(CAGR)

ZBAI

-16.42%

Winner

RMBI

+4.84%

ZBAI vs RMBI - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

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

ZBAI vs RMBI Drawdown Comparison

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

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

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

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

Correlation

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

-0.49

-101