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Richmond Mutual Bancorporation, Inc. RMBI R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.firstbankrichmond.com
Company Profile ↓
$15.90
+14.67% 1Y
Mkt Cap$255.00M
P/E13.03
P/B1.04
Div. Yield3.72%
52W High$16.16
52W Low$12.40
Book Value$15.24
EPS (TTM)$1.22

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 13.0, below the sector median of 13.6.

Healthy Margins

Maintains a net profit margin of 24.1%.

Dividend Income

Offers a dividend yield of 3.72%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $48.76M (+12.8% YoY); net profit $11.58M.
  • Trailing 12 Months Year-on-year growth — revenue +15.6%, earnings -15.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 1.7%, profit CAGR -3.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:1.69%
1 Year:15.60%

Compounded Profit Growth

5 Years:-3.71%
1 Year:-15.40%

Stock Price Performance

1 Year:+14.67%
6 Months:+8.69%
3 Months:+4.23%
1 Month:+4.40%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 93% of range
$12.40 $16.16
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)61.45 · Neutral
Price Performance
1M+4.40%
3M+4.23%
6M+8.69%
1Y+14.67%
Valuation vs Sector

P/E of 13.03 is below the sector median of 13.55 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 24.1%.
  • Attractive dividend yield of 3.72%.
  • Generates positive free cash flow.
  • 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.

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Valuation

Stock P/E
13.03
Industry PE
13.55
Forward P/E est.
15.40
PEG Ratio
-
Book Value
$15.24
Price to Book
1.04
P/S
5.08
EV/EBITDA
-
Dividend Yield
3.72%

Growth (CAGR)

Revenue 5Y
1.69%
Profit 5Y
-3.71%
Revenue (YoY)
15.60%
Earnings (YoY)
-15.40%

Profitability & Returns

ROCE
-
ROE
8.57%
ROA
0.79%
Profit Margin
24.11%
Op Margin
37.24%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.28
EPS (TTM)
$1.22

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$244.00M
Total Assets
$1.52B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
14.75%
Chg in Prom Hold
0.19%
FII / Inst Holding
17.59%
Chg in FII Hold
0.48%

Financial Snapshot

Enterprise Value
$255.00M
Total Revenue (TTM)
$49.85M
EBITDA
-
Free Cash Flow
$14.61M
Operating Cash Flow
$14.76M
Shares Outstanding
16.04M
Gross Margin
0.00%
Payout Ratio
49.18%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 RMBI Richmond Mutual Bancorporation, Inc. R2KFINANCIAL 15.90 13.03 $255.00M 3.72% - 8.57% 1.69% -3.71%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 1.21M1.37M1.62M1.37M335.12K-3.25M2.45M2.51M2.53M2.56M2.78M3.08M3.02M3.49M3.16M2.90M2.69M1.95M2.37M2.06M2.47M1.97M2.60M3.60M2.79M
Diluted EPS ------0.260.200.200.210.220.240.270.260.310.290.270.260.190.230.200.240.200.260.360.28

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----46.37M42.07M43.23M48.76M
Cost of Revenue --------
Gross Profit --------
Operating Expenses --------
Operating Income --------
EBITDA --------
Interest Expense ----10.22M29.75M41.82M42.06M
Pretax Income ----15.75M11.00M10.86M13.65M
Tax Provision ----2.78M1.52M1.49M2.08M
Net Income 5.68M-14.08M10.02M-12.97M9.49M9.38M11.58M
Diluted EPS --1.270.82-1.170.910.921.17

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -849.62M986.04M1.08B1.27B1.33B1.46B1.50B1.53B
Total Equity 81.80M85.85M187.79M192.71M180.48M132.38M134.86M132.87M145.78M
Cash & Equivalents 16.17M14.97M40.60M48.77M23.04M15.92M20.24M21.76M33.13M
Total Liabilities -763.77M798.25M891.48M1.09B1.20B1.33B1.37B1.38B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 8.46M10.10M16.57M-9.65M18.16M12.11M14.75M15.97M
Investing Cash Flow -101.54M-106.77M-89.26M-212.19M-116.12M-122.53M-49.30M-1.14M
Financing Cash Flow 91.88M122.30M80.85M196.11M90.85M114.74M36.06M-3.46M
Capital Expenditure -1.33M-960.00K-1.88M-579.45K-385.10K-619.21K-460.38K-1.36M
Free Cash Flow 7.13M9.14M14.69M-10.23M17.78M11.49M14.29M14.61M
Share Buybacks --9.08M11.91M9.86M6.25M5.04M5.63M
Dividends Paid -01.84M9.28M4.41M5.92M5.70M5.84M

Ratios (Annual)

Figures in %.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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
14.75%
Institutions
17.59%
Public Float
20.64%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 3.29% 550.96K $8.44M
2 Vanguard Capital Management LLC 2.16% 361.38K $5.54M
3 Geode Capital Management, LLC 1.29% 215.78K $3.31M
4 Dimensional Fund Advisors LP 0.91% 152.12K $2.33M
5 Arrowstreet Capital, Limited Partnership 0.90% 150.95K $2.31M
6 Stifel Financial Corporation 0.79% 132.46K $2.03M
7 State Street Corporation 0.69% 115.70K $1.77M
8 Morgan Stanley 0.51% 85.95K $1.32M
9 Cx Institutional 0.49% 81.52K $1.25M
10 Renaissance Technologies, LLC 0.43% 72.14K $1.11M

Analyst View

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Latest News

Recent headlines for RMBI

Google News Fri, 23 Oct 2026

RCB BONDS PLC (RMBI) Bond Price and Quote - London Stock Exchange

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Google News Wed, 21 Oct 2026

Richmond (RMBI) Stock Screener: +1.83% Rally, Volume Above Average 2026-10-21 - MFI Overbought - www.siam.in

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Google News ue, 11 Aug 2026

Richmond Mutual Bancorporation director Jackson buys $39,794 in stock - Investing.com

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Google News Fri, 09 Oct 2026

Sapient Capital LLC Buys 70,778 Shares of Richmond Mutual Bancorporation, Inc. $RMBI - MarketBeat

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Google News hu, 20 Aug 2026

Richmond Mutual Bancorporation declares $0.15 quarterly cash dividend payable Sept. 17 - TradingView

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Google News Sat, 22 Aug 2026

Richmond Mutual Bancorporation Inc (NASDAQ: RMBI) Share Price, RMBI Stock News, RMBI Share Price & Updates - kalkine.ca

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RMBI — Frequently Asked Questions

What is the current share price of Richmond Mutual Bancorporation, Inc. (RMBI)?

As of 2026-10-23 16:27 PDT, Richmond Mutual Bancorporation, Inc. (RMBI) trades at $15.90 on NasdaqCM. Its 52-week range is $12.40 to $16.16.

What is the market capitalisation of RMBI?

Richmond Mutual Bancorporation, Inc. (RMBI) has a market capitalisation of $255.00M on NasdaqCM.

What is the P/E ratio of RMBI?

RMBI trades at a trailing price-to-earnings (P/E) ratio of 13.03. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.04.

Does RMBI pay a dividend?

Richmond Mutual Bancorporation, Inc. (RMBI) currently offers a dividend yield of 3.72%.

What is the return on equity (ROE) of RMBI?

RMBI has a return on equity (ROE) of 8.57%.

Is RMBI a good stock to buy?

This page provides a data-driven analysis of Richmond Mutual Bancorporation, Inc. (RMBI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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