RMBI

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Richmond Mutual Bancorporation, Inc.

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Key Metrics

Previous Close: $14.96
52-Week Range: $12.77 – $16.59
Market Cap: $247.62M
P/E (TTM): 12.66
EPS (TTM): 1.22
Dividend Yield: 3.89%

Advanced Metrics

Price/Book: 1.01
PEG Ratio: —
Return on Equity: 8.57%
Return on Assets: 0.79%
Gross Margin: 0.00%
Operating Margin: 37.24%
Profit Margin: 24.11%
Current Ratio: —
Debt/Equity: —
Total Debt: $244.00M
Free Cash Flow: —
Revenue Growth: 15.60%
Earnings Growth: -15.40%
Enterprise Value: $453.17M

RMBI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$46.37M	$42.07M	$43.23M	$48.76M
Selling, General & Admin	$19.43M	$18.99M	$20.26M	$20.17M
Pretax Income	$15.75M	$11.00M	$10.86M	$13.65M
Income Tax	$2.78M	$1.52M	$1.49M	$2.08M
Net Income	$12.97M	$9.49M	$9.38M	$11.58M
Diluted EPS	1.17	0.91	0.92	1.17
Diluted Shares	11.06M	10.45M	10.23M	9.90M

RMBI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$16.41M	$20.24M	$22.06M	$35.20M
Receivables	$136.98M	$160.49M	$154.13M	$152.11M
Total Assets	$1.33B	$1.46B	$1.50B	$1.53B
Long-Term Debt	$180.00M	$271.00M	$265.00M	$252.00M
Total Debt	$180.00M	$271.00M	$265.00M	$252.00M
Total Liabilities	$1.20B	$1.33B	$1.37B	$1.38B
Retained Earnings	$88.12M	$87.90M	$91.58M	$97.32M
Shareholders' Equity	$132.38M	$134.86M	$132.87M	$145.78M
Net Debt	$163.59M	$250.76M	$242.94M	$216.80M

RMBI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$18.16M	$12.11M	$14.75M	$15.97M
Capital Expenditure	-$385.10K	-$619.21K	-$460.38K	-$1.36M
Free Cash Flow	$17.78M	$11.49M	$14.29M	$14.61M
Depreciation & Amortisation	$1.29M	$1.19M	$1.04M	$1.10M
Stock-Based Compensation	$2.34M	$2.24M	$2.14M	$1.55M
Investing Cash Flow	-$116.12M	-$122.53M	-$49.30M	-$1.14M
Financing Cash Flow	$90.85M	$114.74M	$36.06M	-$3.46M
Dividends Paid	-$4.41M	-$5.92M	-$5.70M	-$5.84M
Share Repurchases	-$9.86M	-$6.25M	-$5.04M	-$5.63M
Net Change in Cash	-$7.12M	$4.32M	$1.52M	$11.37M

RMBI Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$11.80M	$12.56M	$13.03M	$12.70M	$13.60M
Selling, General & Admin	$5.17M	$4.92M	$4.97M	$4.95M	$5.05M
Pretax Income	$2.98M	$4.24M	$4.11M	$3.35M	$2.66M
Income Tax	$382.43K	$644.75K	$700.79K	$562.41K	$436.35K
Net Income	$2.60M	$3.60M	$3.41M	$2.79M	$2.23M
Diluted EPS	0.26	0.36	0.35	0.28	0.22
Diluted Shares	9.85M	9.89M	9.83M	9.86M	9.91M

RMBI Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$27.51M	$34.26M	$35.20M	$37.62M	$37.57M
Receivables	$150.88M	$149.46M	$152.11M	$146.15M	$147.35M
Total Assets	$1.51B	$1.53B	$1.53B	$1.52B	$1.55B
Long-Term Debt	$267.00M	$254.00M	$252.00M	$256.00M	$244.00M
Total Debt	$267.00M	$254.00M	$252.00M	$256.00M	$244.00M
Total Liabilities	$1.38B	$1.39B	$1.38B	$1.37B	$1.40B
Retained Earnings	$93.22M	$95.37M	$97.32M	$98.64M	$99.41M
Shareholders' Equity	$132.32M	$140.04M	$145.78M	$144.91M	$148.27M
Net Debt	$239.49M	$219.74M	$216.80M	$218.38M	$206.43M

RMBI Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$4.84M	$6.28M	$2.67M	$2.79M	$3.03M
Capital Expenditure	-$627.48K	-$461.79K	-$196.65K	-$324.56K	-$290.21K
Free Cash Flow	$4.22M	$5.82M	$2.47M	$2.46M	$2.74M
Depreciation & Amortisation	$266.87K	$281.92K	$282.20K	$287.61K	$288.87K
Stock-Based Compensation	$544.59K	$222.14K	$245.20K	$275.24K	$286.82K
Investing Cash Flow	$14.51M	-$6.78M	$3.17M	$4.76M	-$29.91M
Financing Cash Flow	-$19.18M	$7.56M	-$6.97M	-$5.88M	$26.80M
Dividends Paid	-$1.44M	-$1.45M	-$1.46M	-$1.46M	-$1.47M
Share Repurchases	-$1.40M	$0.00	$0.00	$0.00	$0.00
Net Change in Cash	$179.39K	$7.05M	-$1.13M	$1.67M	-$77.67K

Market Snapshot

About

Richmond Mutual Bancorporation, Inc. is a bank holding company that operates through its subsidiary, First Bank Richmond. The company provides traditional banking services including deposits, loans, and financial products to individuals and businesses in Indiana. First Bank Richmond focuses on community banking with personalized customer service.