GS
The Goldman Sachs Group, Inc.
GS has the edge over RMBI overall, supported by stronger valuation and stronger modeled upside.
RMBI
Richmond Mutual Bancorporation, Inc.
RMBI offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
RMBI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
RMBI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like RMBI.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
RMBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $13.56 | -15% |
| Fair | 13x | $15.99 | +0.1% |
| Current | 13x | $15.97 | — |
| Expensive | 17x | $20.44 | +28% |
Historical ranges are pointers, not guarantees.
RMBI has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
RMBI Forward outlook
There aren't enough analyst estimates for RMBI to show an outlook.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over RMBI on earnings, with more consistent year-over-year improvement.
RMBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $1.21 | +27% |
| Q1 2026 | $1.25 | +40% |
| Q4 2025 | $1.17 | +27% |
| Q3 2025 | $1.07 | +24% |
| Q2 2025 | $0.95 | +17% |
| Q1 2025 | $0.89 | +2.3% |
| Q4 2024 | $0.92 | +1.1% |
| Q3 2024 | $0.86 | -17% |
RMBI earned $1.21 per share over the past year, up 27% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over RMBI on profitability, with a higher operating margin.
RMBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $13.7M | +15% |
| Q1 2026 | $12.7M | +12% |
| Q4 2025 | $13.1M | +18% |
| Q3 2025 | $12.6M | +17% |
| Q2 2025 | $11.8M | +11% |
| Q1 2025 | $11.4M | +4.2% |
| Q4 2024 | $11.1M | +5.2% |
| Q3 2024 | $10.8M | +4.6% |
RMBI's revenue has grown year over year for nine quarters in a row: $14M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 20% | -5.7 points |
| Q1 2026 | 26% | +6 points |
| Q4 2025 | 31% | +4.9 points |
| Q3 2025 | 34% | +7.3 points |
| Q2 2025 | 25% | +3.1 points |
| Q1 2025 | 20% | -4.5 points |
| Q4 2024 | 27% | +5.8 points |
| Q3 2024 | 26% | +4.8 points |
RMBI's operating margin was 20% last quarter, down 5.7 points from the same quarter a year ago, near the bottom of its range since 2019.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
RMBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $2.7M | -35% |
| Q1 2026 | $2.5M | +17% |
| Q4 2025 | $2.5M | -63% |
| Q3 2025 | $5.8M | +110% |
| Q2 2025 | $4.2M | +50% |
| Q1 2025 | $2.1M | +2.8% |
| Q4 2024 | $6.7M | +86% |
| Q3 2024 | $2.8M | +47% |
RMBI has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over RMBI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
RMBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +53.3K shares |
| 1 year | +0.7% | +68.5K shares |
| 3 years | -5.4% | -562K shares |
| 5 years | -15% | -1.8M shares |
| Available history | -27% | -3.6M shares |
RMBI has 10M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $1.4M |
| Q1 2025 | $4.2M |
| Q4 2024 | $1.9M |
| Q3 2024 | $885,875 |
RMBI hasn't bought back shares in the past year.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over RMBI on leverage, with a lower net debt burden relative to earnings.
RMBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -2.3x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | 15.1x | High |
| Q3 2025 | -2.6x | Net Cash |
| Q2 2025 | -2.3x | Net Cash |
| Q1 2025 | -2.4x | Net Cash |
| Q4 2024 | 20.8x | High |
| Q3 2024 | -1.8x | Net Cash |
RMBI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like RMBI.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
RMBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.5 | Neutral |
| Stochastic | 74.6 | Neutral |
RMBI's weekly RSI is 59 (neutral) and its Stochastic is 75 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over RMBI on valuation relative to its sector.
RMBI PE vs Financial Services Sector
| Metric | RMBI | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 1.4% above |
| PE % | 49 | 63 | 14 pts below |
RMBI is trading at 13x earnings, in line with the Financial Services sector's median of 13x.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
RMBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.6 | 2.4% above |
| 20 week MA | $15.7 | 2% above |
| 50 week MA | $14.8 | 7.8% above |
| 100 week MA | $14.2 | 12% above |
| 200 week MA | $13.0 | 23% above |
RMBI has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
RMBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $15.8 | $13.5 | -14% |
| 2021 | $13.5 | $16.1 | +19% |
| 2022 | $16.1 | $12.3 | -24% |
| 2023 | $12.3 | $11.5 | -6% |
| 2024 | $11.5 | $13.7 | +19% |
| 2025 | $13.7 | $14.1 | +2.9% |
| 2026 YTD | $14.1 | $16.0 | +13% |
RMBI has the edge over GS on returns for 2026, with the stronger performance.