Richmond Mutual Bancorporation, Inc. RMBI R2K

Financial Services · Banks - Regional · United States

https://www.firstbankrichmond.com

Richmond Mutual Bancorporation, Inc. operates as the bank holding company for First Bank Richmond that provides various banking services. The company accepts various deposits, including savings deposit accounts, money market accounts, NOW and demand accounts, and certificates of deposit. It also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, and residential real estate loans, including home equity loans, lines of credits, and consumer loans. In addition, the company engages in the lease financing business; and provision of fee-based financial services comprising trust and estate administration, investment management, retirement plan administration, and private banking services. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.

Market & Price

Market Cap

$142.00M

Current Price

$14.52

High / Low (52W)

$15.82 / $12.49

Beta

0.35

Valuation

Stock P/E

11.62

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$14.97

Price to Book

0.97

P/S

2.95

EV/EBITDA

Dividend Yield

4.14%

Profitability & Returns

ROCE

ROE

8.99%

ROA

0.81%

Profit Margin

25.76%

Op Margin

30.25%

EPS (Latest Qtr)

$0.28

EPS (TTM)

$1.25

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$256.00M

Total Assets

$1.53B

Current Assets

Working Capital

Ownership

Promoter Holding

21.11%

Chg in Prom Hold

FII / Inst Holding

24.22%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$359.10M

Total Revenue (TTM)

$48.12M

EBITDA

Free Cash Flow

Operating Cash Flow

$16.57M

Shares Outstanding

9.78M

Gross Margin

0.00%

Payout Ratio

48.00%

Growth (CAGR)

Revenue 5Y

1.69%

Profit 5Y

-3.71%

Revenue (YoY)

12.70%

Earnings (YoY)

40.00%

PROS

Excellent profit margin of 25.8%.
Attractive dividend yield of 4.14%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -3.7% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	RMBI Richmond Mutual Bancorporation, Inc. R2K	14.52	11.62	$142.00M	4.14%	-	8.99%	1.69%	-3.71%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.37M	11.80M	12.56M	13.03M	12.70M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.61M	10.59M	10.52M	10.35M	9.72M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.32M	2.98M	4.24M	4.11M	3.35M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	348.30K	382.43K	644.75K	700.79K	562.41K
Net Income	1.21M	1.37M	1.62M	1.37M	335.12K	-3.25M	2.45M	2.51M	2.53M	2.56M	2.78M	3.08M	3.02M	3.49M	3.16M	2.90M	2.69M	1.95M	2.37M	2.06M	-	-	1.97M	2.60M	3.60M	3.41M	2.79M
Diluted EPS	-	-	-	-	-	-0.26	0.20	0.20	0.21	0.22	0.24	0.27	0.26	0.31	0.29	0.27	0.26	0.19	0.23	0.20	-	-	0.20	0.26	0.36	0.35	0.28

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	46.37M	42.07M	43.23M	48.76M
Cost of Revenue	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	10.22M	29.75M	41.82M	42.06M
Pretax Income	-	-	-	-	15.75M	11.00M	10.86M	13.65M
Tax Provision	-	-	-	-	2.78M	1.52M	1.49M	2.08M
Net Income	5.68M	-14.08M	10.02M	-	12.97M	9.49M	9.38M	11.58M
Diluted EPS	-	-1.27	0.82	-	1.17	0.91	0.92	1.17

Compounded Sales Growth

5 Years:	1.69%
1 Year:	12.70%

Compounded Profit Growth

5 Years:	-3.71%
1 Year:	40.00%

Stock Price Performance

1 Year:	+14.51%
6 Months:	+7.88%
3 Months:	+7.56%
1 Month:	-6.92%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	849.62M	986.04M	1.08B	-	1.33B	1.46B	1.50B	1.53B
Current Assets	-	-	-	-	-	-	-	-	-
Cash & Equivalents	16.17M	14.97M	40.60M	48.77M	-	16.41M	20.24M	22.06M	35.20M
Inventory	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	4.71M	5.84M	6.03M	6.30M
Total Liabilities	-	763.77M	798.25M	891.48M	-	1.20B	1.33B	1.37B	1.38B
Current Liabilities	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	180.00M	271.00M	265.00M	252.00M
Total Debt	-	-	-	-	-	180.00M	271.00M	265.00M	252.00M
Total Equity	-	85.85M	187.79M	192.71M	-	132.38M	134.86M	132.87M	145.78M
Shares Outstanding	-	-	-	-	-	11.78M	11.21M	10.81M	10.50M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	8.46M	10.10M	16.57M	-	18.16M	12.11M	14.75M	15.97M
Investing Cash Flow	-101.54M	-106.77M	-89.26M	-	-116.12M	-122.53M	-49.30M	-1.14M
Financing Cash Flow	91.88M	122.30M	80.85M	-	90.85M	114.74M	36.06M	-3.46M
Capital Expenditure	-1.33M	-960.00K	-1.88M	-	-385.10K	-619.21K	-460.38K	-1.36M
Free Cash Flow	7.13M	9.14M	14.69M	-	17.78M	11.49M	14.29M	14.61M
Net Change in Cash	-	-	-	-	-7.12M	4.32M	1.52M	11.37M
Share Buybacks	-	-	9.08M	11.91M	9.86M	6.25M	5.04M	5.63M
Dividends Paid	-	0	1.84M	9.28M	4.41M	5.92M	5.70M	5.84M

Ratios (Annual)

Figures in %.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	28.0%	22.6%	21.7%	23.7%
ROE %	6.6%	-7.5%	5.2%	-	9.8%	7.0%	7.1%	7.9%
ROCE %	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

21.11%

Institutions

24.22%

Public Float

30.70%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Vanguard Capital Management LLC	4.36%	457.57K	$6.64M
2	Blackrock Inc.	3.65%	383.82K	$5.57M
3	Geode Capital Management, LLC	1.84%	192.76K	$2.80M
4	Stifel Financial Corporation	1.27%	133.06K	$1.93M
5	Dimensional Fund Advisors LP	1.15%	120.52K	$1.75M
6	State Street Corporation	1.12%	117.33K	$1.70M
7	Arrowstreet Capital, Limited Partnership	0.87%	91.06K	$1.32M
8	Segall Bryant & Hamill, LLC	0.81%	85.58K	$1.24M
9	PL Capital Advisors, LLC	0.59%	61.72K	$896.16K
10	Gamco Investors, Inc ET AL	0.57%	59.59K	$865.20K

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