RMBI vs. VOO

Last updated Apr 1, 2026

Compare and contrast key facts about Richmond Mutual Bancorporation, Inc. (RMBI) and Vanguard S&P 500 ETF (VOO).

VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.

Performance

RMBI vs. VOO - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Richmond Mutual Bancorporation, Inc. (RMBI) and Vanguard S&P 500 ETF (VOO). The values are adjusted to include any dividend payments, if applicable.

RMBI vs. VOO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
RMBI Richmond Mutual Bancorporation, Inc.	-2.31%	3.74%	28.57%	-7.18%	-16.70%	24.02%	-13.31%	16.92%
VOO Vanguard S&P 500 ETF	-3.66%	17.82%	24.98%	26.32%	-18.17%	28.79%	18.32%	9.70%

Returns By Period

In the year-to-date period, RMBI achieves a -2.31% return, which is significantly higher than VOO's -3.66% return.

RMBI

• 1D: 0.15%
• 1M: 0.52%
• YTD: -2.31%
• 6M: -2.44%
• 1Y: 10.69%
• 3Y*: 14.51%
• 5Y*: 4.14%
• 10Y*: —

VOO

• 1D: 0.79%
• 1M: -4.29%
• YTD: -3.66%
• 6M: -1.41%
• 1Y: 18.17%
• 3Y*: 18.58%
• 5Y*: 11.93%
• 10Y*: 14.14%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

RMBI vs. VOO — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

RMBI

RMBI Risk / Return Rank: 52
RMBI Sharpe Ratio Rank: 55
RMBI Sortino Ratio Rank: 48
RMBI Omega Ratio Rank: 46
RMBI Calmar Ratio Rank: 57
RMBI Martin Ratio Rank: 57

VOO

VOO Risk / Return Rank: 60
VOO Sharpe Ratio Rank: 54
VOO Sortino Ratio Rank: 57
VOO Omega Ratio Rank: 61
VOO Calmar Ratio Rank: 59
VOO Martin Ratio Rank: 69

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

RMBI vs. VOO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Richmond Mutual Bancorporation, Inc. (RMBI) and Vanguard S&P 500 ETF (VOO). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	RMBI	VOO	Difference
Sharpe ratio Return per unit of total volatility	0.37	1.01	-0.64
Sortino ratio Return per unit of downside risk	0.74	1.53	-0.79
Omega ratio Gain probability vs. loss probability	1.09	1.23	-0.15
Calmar ratio Return relative to maximum drawdown	0.70	1.55	-0.85
Martin ratio Return relative to average drawdown	1.57	7.31	-5.74
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

RMBI vs. VOO - Sharpe Ratio Comparison

The current RMBI Sharpe Ratio is 0.37, which is lower than the VOO Sharpe Ratio of 1.01. The chart below compares the historical Sharpe Ratios of RMBI and VOO, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	RMBI	VOO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.37	1.01	-0.64
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.15	0.71	-0.56
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.79	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.12	0.83	-0.71

Correlation

The correlation between RMBI and VOO is 0.24, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

RMBI vs. VOO - Dividend Comparison

RMBI's dividend yield for the trailing twelve months is around 4.42%, more than VOO's 1.18% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
RMBI Richmond Mutual Bancorporation, Inc.	4.42%	4.27%	3.96%	4.87%	3.07%	4.86%	1.10%	0.00%	0.00%	0.00%	0.00%	0.00%
VOO Vanguard S&P 500 ETF	1.18%	1.13%	1.24%	1.46%	1.69%	1.25%	1.54%	1.88%	2.06%	1.78%	2.02%	2.10%

Drawdowns

RMBI vs. VOO - Drawdown Comparison

The maximum RMBI drawdown since its inception was -49.72%, which is greater than VOO's maximum drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for RMBI and VOO.

Drawdown Indicators

	RMBI	VOO	Difference
Max Drawdown Largest peak-to-trough decline	-49.72%	-33.99%	-15.73%
Max Drawdown (1Y) Largest decline over 1 year	-13.69%	-11.98%	-1.71%
Max Drawdown (5Y) Largest decline over 5 years	-49.72%	-24.52%	-25.20%
Max Drawdown (10Y) Largest decline over 10 years	—	-33.99%	—
Current Drawdown Current decline from peak	-10.63%	-5.55%	-5.08%
Average Drawdown Average peak-to-trough decline	-18.31%	-3.72%	-14.59%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.12%	2.55%	+3.57%

Volatility

RMBI vs. VOO - Volatility Comparison

Richmond Mutual Bancorporation, Inc. (RMBI) has a higher volatility of 7.33% compared to Vanguard S&P 500 ETF (VOO) at 5.34%. This indicates that RMBI's price experiences larger fluctuations and is considered to be riskier than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	RMBI	VOO	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.33%	5.34%	+1.99%
Volatility (6M) Calculated over the trailing 6-month period	19.92%	9.47%	+10.45%
Volatility (1Y) Calculated over the trailing 1-year period	28.88%	18.11%	+10.77%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	27.30%	16.82%	+10.48%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	29.67%	17.99%	+11.68%