RMBI
Richmond Mutual Bancorporation, Inc.
Price Chart
Latest Quote
$14.75
+0.07 (+0.48%)
Current Price
| Previous Close | $14.68 |
| Open | $14.80 |
| Day High | $14.96 |
| Day Low | $14.64 |
| Volume | 46,117 |
Stock Information
| Quarterly Dividend / Yield | $0.60 / 4.07% |
| Shares Outstanding | 9.78M |
| Quarterly Dividend Yield | 4.07% |
| Quarterly Dividend | $0.60 |
| Total Debt | $256.00M |
| Cash Equivalents | $37.62M |
| Revenue | $48.12M |
| Net Income | $12.39M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $144.25M |
| P/E Ratio | 11.80 |
| EPS (TTM) | $1.25 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $361.33M |
| Sales | $48.12M |
| Income | $12.39M |
| Book/sh | $14.95 |
| Cash/sh | $3.85 |
| Employees | 173 |
Financial Ratios
| EPS Growth TTM | 41.50% |
Returns & Margins
| ROA | 0.81% |
| ROE | 8.99% |
| Operating Margin | 30.25% |
| Profit Margin | 25.76% |
Ownership
| Insider Ownership | 21.16% |
| Institutional Ownership | 24.21% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 3.00 |
| P/B | 0.99 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $14.59 |
| SMA50 | $14.56 |
| SMA200 | $13.82 |
| RSI | 57.91 |
| ATR | 0.3044 |
| Shares Float | 7.36M |
| Short Float | 1.88% |
| Short Ratio | 2.86 |
| Volatility | 0.32 |
| Rel Volume | 1.07 |
Performance History
| Week | +0.20% |
| Month | +5.54% |
| Quarter | +9.41% |
| 6 Months | +4.68% |
| YTD | +7.51% |
| Year | +16.93% |
| 3 Years | +52.69% |
| 5 Years | +23.83% |
| 10 Years | +39.08% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $14.75 | 47,200 |
| 2026-06-17 | $14.68 | 31,500 |
| 2026-06-16 | $14.65 | 20,200 |
| 2026-06-15 | $14.70 | 14,500 |
| 2026-06-12 | $14.88 | 21,100 |
| 2026-06-11 | $14.72 | 21,400 |
| 2026-06-10 | $14.97 | 44,300 |
| 2026-06-09 | $14.76 | 29,100 |
| 2026-06-08 | $14.78 | 18,800 |
| 2026-06-05 | $14.69 | 75,800 |
| 2026-06-04 | $14.53 | 22,900 |
| 2026-06-03 | $14.32 | 50,600 |
| 2026-06-02 | $14.54 | 42,100 |
| 2026-06-01 | $14.08 | 39,500 |
| 2026-05-29 | $14.37 | 40,900 |
| 2026-05-28 | $14.51 | 167,000 |
| 2026-05-27 | $14.40 | 48,900 |
| 2026-05-26 | $14.41 | 31,500 |
| 2026-05-22 | $14.47 | 43,200 |
| 2026-05-21 | $14.50 | 73,300 |
| 2026-05-20 | $14.36 | 51,300 |
| 2026-05-19 | $13.98 | 120,100 |
About Richmond Mutual Bancorporation, Inc.
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.
đ° Latest News
While institutions own 25% of Richmond Mutual Bancorporation, Inc. (NASDAQ:RMBI), individual investors are its largest shareholders with 51% ownership
Simply Wall St. âĸ 2026-01-10T12:52:02Z
Richmond Mutual Bancorporation (NASDAQ:RMBI) Will Pay A Dividend Of $0.15
Simply Wall St. âĸ 2025-11-23T12:38:40Z
Richmond Mutual to Buy Farmers Bancorp in $82 Million All-Stock Deal
MT Newswires âĸ 2025-11-12T13:31:51ZRichmond Mutual Bancorporation (RMBI) Profit Margin Tops Expectations, Reinforcing Bullish Community Narratives
Simply Wall St. âĸ 2025-10-25T21:09:40Z
Investing in Richmond Mutual Bancorporation (NASDAQ:RMBI) five years ago would have delivered you a 50% gain
Simply Wall St. âĸ 2025-10-19T12:42:00Z
Richmond Mutual Bancorporation Second Quarter 2025 Earnings: EPS: US$0.27 (vs US$0.20 in 2Q 2024)
Simply Wall St. âĸ 2025-08-11T10:15:29Z
Richmond Mutual Bancorporation, Inc. (NASDAQ:RMBI) most popular amongst individual investors who own 55% of the shares, institutions hold 22%
Simply Wall St. âĸ 2025-07-30T12:00:53Z
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $48,758,178 | $43,234,903 | $42,069,009 | $46,367,832 |
| Operating Revenue | $48,758,178 | $43,234,903 | $42,069,009 | $46,367,832 |
| Expenses | ||||
| Interest Expense | $42,061,216 | $41,819,033 | $29,747,522 | $10,219,341 |
| Selling And Marketing Expense | $432,761 | $377,787 | $385,471 | $459,478 |
| General And Administrative Expense | $19,737,844 | $19,878,549 | $18,601,659 | $18,972,020 |
| Professional Expense And Contract Services Expense | $1,839,738 | $1,822,092 | $1,598,453 | $1,420,352 |
| Other Non Interest Expense | $8,485,353 | $7,460,984 | $7,487,340 | $6,473,246 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $11,576,767 | $9,377,348 | $9,486,836 | $12,965,439 |
| Net Interest Income | $43,846,338 | $38,707,161 | $37,662,391 | $41,638,660 |
| Interest Income | $85,907,554 | $80,526,194 | $67,409,913 | $51,858,001 |
| Normalized Income | $11,576,767 | $9,377,348 | $9,486,836 | $12,965,439 |
| Net Income From Continuing And Discontinued Operation | $11,576,767 | $9,377,348 | $9,486,836 | $12,965,439 |
| Net Income Common Stockholders | $11,576,767 | $9,377,348 | $9,486,836 | $12,965,439 |
| Net Income | $11,576,767 | $9,377,348 | $9,486,836 | $12,965,439 |
| Net Income Including Noncontrolling Interests | $11,576,767 | $9,377,348 | $9,486,836 | $12,965,439 |
| Net Income Continuous Operations | $11,576,767 | $9,377,348 | $9,486,836 | $12,965,439 |
| Pretax Income | $13,653,028 | $10,863,696 | $11,002,717 | $15,748,906 |
| Per Share | ||||
| Diluted EPS | $1.17 | $0.92 | $0.91 | $1.17 |
| Basic EPS | $1.20 | $0.93 | $0.91 | $1.20 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,100,437 | $1,043,051 | $1,189,704 | $1,287,965 |
| Diluted Average Shares | $9,901,000 | $10,229,000 | $10,450,611 | $11,058,178 |
| Basic Average Shares | $9,670,000 | $10,081,000 | $10,396,122 | $10,766,494 |
| Diluted NI Availto Com Stockholders | $11,576,767 | $9,377,348 | $9,486,836 | $12,965,439 |
| Tax Provision | $2,076,261 | $1,486,348 | $1,515,881 | $2,783,467 |
| Gain On Sale Of Security | $-156,040 | $-50,698 | $0 | $0 |
| Selling General And Administration | $20,170,605 | $20,256,336 | $18,987,130 | $19,431,498 |
| Insurance And Claims | $1,194,000 | $1,530,500 | $1,163,060 | $494,000 |
| Salaries And Wages | $18,543,844 | $18,348,049 | $17,438,599 | $18,478,020 |
| Occupancy And Equipment | $2,456,485 | $2,281,530 | $2,461,395 | $2,693,830 |
| Other Gand A | - | - | - | $194,462 |
Fetched: 2026-06-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $143,897,654 | $130,921,256 | $132,914,209 | $130,372,684 |
| Total Assets | $1,525,790,540 | $1,504,874,860 | $1,461,023,801 | $1,328,026,411 |
| Goodwill And Other Intangible Assets | $1,883,446 | $1,950,504 | $1,945,367 | $2,011,889 |
| Other Intangible Assets | $1,883,446 | $1,950,504 | $1,945,367 | $2,011,889 |
| Receivables | $152,105,925 | $154,132,000 | $160,486,705 | $136,983,481 |
| Other Receivables | $145,806,000 | $148,102,000 | $154,643,000 | $132,273,000 |
| Accounts Receivable | $6,299,925 | $6,030,000 | $5,843,705 | $4,710,481 |
| Cash And Cash Equivalents | $35,200,494 | $22,057,190 | $20,240,125 | $16,412,093 |
| Cash Financial | $9,275,184 | $8,986,540 | $8,578,489 | $7,782,348 |
| Cash Cash Equivalents And Federal Funds Sold | $35,200,494 | $22,057,190 | $20,240,125 | $16,412,093 |
| Debt | ||||
| Net Debt | $216,799,506 | $242,942,810 | $250,759,875 | $163,587,907 |
| Total Debt | $252,000,000 | $265,000,000 | $271,000,000 | $180,000,000 |
| Long Term Debt And Capital Lease Obligation | $252,000,000 | $265,000,000 | $271,000,000 | $180,000,000 |
| Long Term Debt | $252,000,000 | $265,000,000 | $271,000,000 | $180,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,380,009,440 | $1,372,003,100 | $1,326,164,225 | $1,195,641,838 |
| Payables And Accrued Expenses | $3,456,973 | $4,831,674 | $4,396,952 | $1,369,351 |
| Payables | $3,456,973 | $4,831,674 | $4,396,952 | $1,369,351 |
| Accounts Payable | $3,456,973 | $4,831,674 | $4,396,952 | $1,369,351 |
| Equity | ||||
| Common Stock Equity | $145,781,100 | $132,871,760 | $134,859,576 | $132,384,573 |
| Total Equity Gross Minority Interest | $145,781,100 | $132,871,760 | $134,859,576 | $132,384,573 |
| Stockholders Equity | $145,781,100 | $132,871,760 | $134,859,576 | $132,384,573 |
| Other Equity Interest | $-9,987,093 | $-10,722,410 | $-11,457,726 | $-12,193,043 |
| Gains Losses Not Affecting Retained Earnings | $-34,558,685 | $-45,806,197 | $-43,045,096 | $-49,751,175 |
| Other Equity Adjustments | $-34,558,685 | $-45,806,197 | $-43,045,096 | $-49,751,175 |
| Retained Earnings | $97,324,605 | $91,582,986 | $87,902,747 | $88,122,052 |
| Other | ||||
| Treasury Shares Number | $734,929 | $789,035 | $843,142 | - |
| Ordinary Shares Number | $9,766,331 | $10,025,925 | $10,365,358 | $11,784,246 |
| Share Issued | $10,501,260 | $10,814,960 | $11,208,500 | $11,784,246 |
| Tangible Book Value | $143,897,654 | $130,921,256 | $132,914,209 | $130,372,684 |
| Invested Capital | $397,781,100 | $397,871,760 | $405,859,576 | $312,384,573 |
| Total Capitalization | $397,781,100 | $397,871,760 | $405,859,576 | $312,384,573 |
| Additional Paid In Capital | $92,897,260 | $97,709,231 | $101,347,566 | $106,088,897 |
| Capital Stock | $105,013 | $108,150 | $112,085 | $117,842 |
| Common Stock | $105,013 | $108,150 | $112,085 | $117,842 |
| Investments And Advances | $254,663,386 | $261,689,543 | $287,637,856 | $291,571,898 |
| Held To Maturity Securities | $2,747,889 | $3,497,913 | $4,949,530 | $6,672,233 |
| Net PPE | $13,397,000 | $12,922,000 | $13,312,000 | $13,668,000 |
| Accumulated Depreciation | $-16,587,000 | $-15,714,000 | $-14,887,000 | $-14,335,000 |
| Gross PPE | $29,984,000 | $28,636,000 | $28,199,000 | $28,003,000 |
| Construction In Progress | $716,000 | $506,000 | $594,000 | $470,000 |
| Machinery Furniture Equipment | $10,023,000 | $9,364,000 | $8,863,000 | $8,856,000 |
| Buildings And Improvements | $16,184,000 | $15,705,000 | $15,681,000 | $15,616,000 |
| Land And Improvements | $3,061,000 | $3,061,000 | $3,061,000 | $3,061,000 |
| Other Short Term Investments | $251,915,497 | $258,191,630 | $282,688,326 | $284,899,665 |
| Available For Sale Securities | - | $253,169,630 | - | - |
| Employee Benefits | - | - | - | - |
| Non Current Pension And Other Postretirement Benefit Plans | - | - | - | - |
Fetched: 2026-06-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $14,607,519 | $14,292,082 | $11,494,988 | $17,775,069 |
| Operating Activities | ||||
| Operating Cash Flow | $15,969,408 | $14,752,462 | $12,114,197 | $18,160,168 |
| Cash Flow From Continuing Operating Activities | $15,969,408 | $14,752,462 | $12,114,197 | $18,160,168 |
| Operating Gains Losses | $-257,829 | $-509,848 | $-519,683 | $-639,274 |
| Investing Activities | ||||
| Capital Expenditure | $-1,361,889 | $-460,380 | $-619,209 | $-385,099 |
| Investing Cash Flow | $-1,140,931 | $-49,298,314 | $-122,531,989 | $-116,123,966 |
| Cash Flow From Continuing Investing Activities | $-1,140,931 | $-49,298,314 | $-122,531,989 | $-116,123,966 |
| Net Other Investing Changes | $43,502 | $-1,134,891 | $-1,735,929 | $129,752 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-5,633,659 | $-5,041,976 | $-6,250,519 | $-9,859,240 |
| Financing Cash Flow | $-3,455,173 | $36,062,917 | $114,735,824 | $90,847,746 |
| Cash Flow From Continuing Financing Activities | $-3,455,173 | $36,062,917 | $114,735,824 | $90,847,746 |
| Net Other Financing Charges | $60,235 | $2,068 | $28,175 | $29,166 |
| Cash Dividends Paid | $-5,835,148 | $-5,697,109 | $-5,920,973 | $-4,407,550 |
| Common Stock Dividend Paid | $-5,835,148 | $-5,697,109 | $-5,920,973 | $-4,407,550 |
| Net Common Stock Issuance | $-5,633,659 | $-5,041,976 | $-6,250,519 | $-9,859,240 |
| Other | ||||
| Repayment Of Debt | $-309,000,000 | $-294,500,000 | $-450,500,000 | $-327,500,000 |
| Issuance Of Debt | $296,000,000 | $288,500,000 | $541,500,000 | $327,500,000 |
| Interest Paid Supplemental Data | $43,435,917 | $41,384,311 | $26,719,921 | $9,108,022 |
| Income Tax Paid Supplemental Data | $1,338,381 | - | $2,050,000 | $2,180,634 |
| End Cash Position | $33,130,494 | $21,757,190 | $20,240,125 | $15,922,093 |
| Beginning Cash Position | $21,757,190 | $20,240,125 | $15,922,093 | $23,038,145 |
| Changes In Cash | $11,373,304 | $1,517,065 | $4,318,032 | $-7,116,052 |
| Proceeds From Stock Option Exercised | $-4 | $-12 | $0 | $0 |
| Common Stock Payments | $-5,633,659 | $-5,041,976 | $-6,250,519 | $-9,859,240 |
| Net Issuance Payments Of Debt | $-13,000,000 | $-6,000,000 | $91,000,000 | $0 |
| Net Long Term Debt Issuance | $-13,000,000 | $-6,000,000 | $91,000,000 | $0 |
| Long Term Debt Payments | $-309,000,000 | $-294,500,000 | $-450,500,000 | $-327,500,000 |
| Long Term Debt Issuance | $296,000,000 | $288,500,000 | $541,500,000 | $327,500,000 |
| Net Investment Purchase And Sale | $20,352,633 | $21,459,236 | $11,286,583 | $12,005,676 |
| Sale Of Investment | $26,055,495 | $28,960,686 | $22,528,963 | $34,538,503 |
| Purchase Of Investment | $-5,702,862 | $-7,501,450 | $-11,242,380 | $-22,532,827 |
| Net PPE Purchase And Sale | $-1,361,889 | $-454,380 | $-617,409 | $-385,099 |
| Sale Of PPE | $0 | $6,000 | $1,800 | $0 |
| Purchase Of PPE | $-1,361,889 | $-460,380 | $-619,209 | $-385,099 |
| Change In Working Capital | $454,949 | $1,607,576 | $-1,878,530 | $733,870 |
| Change In Other Current Liabilities | $1,367,403 | $-1,397,861 | $-1,786,506 | $2,257,577 |
| Change In Other Current Assets | $732,172 | $2,757,010 | $-1,986,401 | $-2,117,372 |
| Change In Payables And Accrued Expense | $-1,374,701 | $434,722 | $3,027,601 | $1,111,319 |
| Change In Payable | $-1,374,701 | $434,722 | $3,027,601 | $1,111,319 |
| Change In Account Payable | $-1,374,701 | $434,722 | $3,027,601 | $1,111,319 |
| Change In Receivables | $-269,925 | $-186,295 | $-1,133,224 | $-517,654 |
| Changes In Account Receivables | $-269,925 | $-186,295 | $-1,133,224 | $-517,654 |
| Other Non Cash Items | $-1,252,153 | $-552,564 | $-712,167 | $-1,706,930 |
| Stock Based Compensation | $1,553,872 | $2,135,034 | $2,238,748 | $2,337,483 |
| Amortization Of Securities | $754,838 | $943,315 | $1,136,167 | $1,546,615 |
| Deferred Tax | $-114,442 | $158,285 | $641,148 | $1,035,000 |
| Deferred Income Tax | $-114,442 | $158,285 | $641,148 | $1,035,000 |
| Depreciation Amortization Depletion | $1,100,437 | $1,043,051 | $1,189,704 | $1,287,965 |
| Depreciation And Amortization | $1,100,437 | $1,043,051 | $1,189,704 | $1,287,965 |
| Amortization Cash Flow | $208,603 | $192,807 | $213,891 | $224,274 |
| Amortization Of Intangibles | $208,603 | $192,807 | $213,891 | $224,274 |
| Depreciation | $891,834 | $850,244 | $975,813 | $1,063,691 |
| Gain Loss On Investment Securities | $156,040 | $50,698 | $0 | $0 |
| Gain Loss On Sale Of PPE | $-4,500 | $-6,000 | $-1,800 | $0 |
| Net Income From Continuing Operations | $11,576,767 | $9,377,348 | $9,486,836 | $12,965,439 |
| Pension And Employee Benefit Expense | - | - | - | $0 |
Fetched: 2026-06-16