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Richmond Mutual Bancorporation, Inc. RMBI

Financial — Banks Regional
Dividend Champion (5y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.07
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — 1 2 — — — 1 — 1 —
Sell — — — — — — — — — — — —
Insider Ownership
0.00%

Capital & Financial Ratios

Market Cap
270.83
Revenue
92.45
Net Income
12.02
Free Cash Flow
13.57
Net Debt
(37.57)
Current Ratio
0.90
Debt/Equity
0.00
P/E ratio
12.73
P/S ratio
1.66
P/B ratio
1.03
Past 5Y EPS Growth
14.77%
This Y EPS Growth
—
Next Y EPS Growth
—
Next 5Y EPS Growth
—
in millions of $

Dividends

Payout Ratio
0.43
Annual Dividend Rate
0.56
Annual Dividend Yield
5.47%
total individual payouts
2026 0.45
—
—
—
2025 0.60
—
—
—
—
2024 0.56
—
—
—
—
2023 0.56
—
—
—
—
2022 0.40
—
—
—
—
2021 0.28
—
—
—
—
—
2020 0.15
—
—
—
2019 ‡‡‡
2018 ‡‡‡
2017 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 20.24 22.06 35.20 37.57
Receivables — — — —
Inventory — — — —
Other — — — —
1,116.95 1,188.06 1,219.14 1,251.68
2023 2024 2025 Q'26
Payables 1,041.14 1,093.94 1,114.89 1,146.64
ST’ Debt — — — —
Other — — — —
1,312.14 1,358.94 1,366.89 1,390.64
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow — ‡‡‡‡‡ ‡‡‡‡‡
Earnings — ‡‡‡‡‡ ‡‡‡‡‡
Book Value — ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 22.46 23.48 — —
—
’25 22.03 22.43 23.11 23.40
90.97
’24 20.64 21.20 21.59 21.86
85.28
’23 16.29 17.40 18.57 19.76
72.02
’22 13.06 13.62 14.35 15.69
56.72
’21 12.41 12.75 13.05 13.13
51.34
’20 11.40 12.58 12.74 12.94
49.67
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 2.79 3.03 — —
—
’25 2.18 4.84 6.28 2.67
15.97
’24 2.16 2.92 2.88 6.79
14.75
’23 3.59 2.81 1.93 3.79
12.11
’22 3.88 6.10 4.62 3.56
18.16
’21 (2.44) (0.06) 5.83 (12.98)
(9.65)
’20 4.77 2.69 0.11 9.01
16.57
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 2.50 2.74 — —
—
’25 2.10 4.22 5.86 2.47
14.65
’24 2.10 2.84 2.81 6.68
14.42
’23 3.56 2.76 2.01 4.13
12.46
’22 3.82 6.05 4.58 3.41
17.86
’21 (2.52) (0.06) 5.76 (13.36)
(10.20)
’20 4.61 2.01 (0.46) 8.57
14.73
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.28 0.22 — —
—
’25 0.20 0.26 0.36 0.35
1.17
’24 0.23 0.20 0.24 0.24
0.92
’23 0.27 0.26 0.19 0.19
0.91
’22 0.26 0.31 0.29 0.31
1.17
’21 0.22 0.24 0.27 0.24
0.96
’20 0.20 0.20 0.21 0.21
0.82

Target Price Range

High
—
—
Average
—
—
Low
—
—

Recommendation Rating

1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 12.24 8.61 10.11 11.37 — — —
Low Price
— — — ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18.16 14.25 15.15 15.24 — — —
High Price
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 181 176 173 180 — — —
Employees
— ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.31 0.41 0.49 0.51 — — —
Revenue/Emp
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 56.72 72.02 85.28 90.97 — — —
Revenue
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 81.98% 58.70% 50.97% 53.76% — — —
Gross Margin
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.75 11.00 10.86 13.65 — — —
EBT
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 27.76% 15.28% 12.74% 15.01% — — —
EBT Margin
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.97 9.49 9.38 11.58 — — —
Net Income
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.83 2.33 1.99 1.86 — — —
Depreciation
— ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.27 6.93 8.46 9.41 — — —
Revenue/Sh
— ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 1.20 0.91 0.93 1.20 — — —
Earnings/Sh
— ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.69 1.17 1.46 1.65 — — —
Cash Flow/Sh
— ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.03) 0.03 (0.03) (0.14) — — —
Capex/Sh
— ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.66 1.20 1.43 1.52 — — —
Free CF/Sh
— ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.30 12.97 13.18 15.08 — — —
Book Value/Sh
— ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.77 10.40 10.08 9.67 — — —
Shares
— ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.83 12.85 15.22 11.80 — — —
PE Ratio
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 2.47 1.69 1.67 1.49 — — —
PS Ratio
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.06 0.90 1.07 0.93 — — —
PB Ratio
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.35 5.09 4.52 4.02 — — —
EV/Sales
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 17.00 29.40 26.73 24.95 — — —
EV/FCF
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18.16 12.11 14.75 15.97 — — —
Op' Cash Flow
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.30) 0.35 (0.33) (1.32) — — —
Capex
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 17.86 12.46 14.42 14.65 — — —
FCF
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (201.97) (195.19) (170.88) (147.75) — — —
Working Cap'
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 180.00 — — — — — —
Total Debt
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 163.59 (20.24) (22.06) (35.20) — — —
Net Debt
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 132.38 134.86 132.87 145.78 — — —
Sh' Equity
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.00% 0.68% 0.63% 0.76% — — —
ROA
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.33% 6.00% 6.13% 7.72% — — —
ROIC
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.29% 7.10% 7.01% 8.31% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Richmond Mutual Bancorporation (RMBI), a nimble community bank in eastern Indiana and western Ohio, has powered through a decade of turbulence—including a brutal 2020 pandemic loss and 2023 banking scares—with explosive revenue growth that’s the envy of regional peers. From $39.5 million in 2018 to $85.3 million in 2024 (a stellar 14%+ CAGR, accelerating to 18% YoY last year), RMBI’s top-line surge is fueled by higher interest income and standout efficiency, with revenue per employee soaring 80% to nearly $493,000 on a lean 173-person team. This scalable model positions RMBI as a growth engine in a deposit-competitive landscape, rebounding far from SVB’s fate.

Despite margin compression dragging EBT and net income from 2022 peaks (still double pre-pandemic averages), profitability metrics shine: ROE at a solid 7%, EPS up 13% to $0.93, and free cash flow per share jumping 23% to $1.43, enabling dividends and organic expansion. The balance sheet gleams with prudent leverage—net debt flipped to a $22 million cash surplus—and a fair 1.07 price-to-book, underscoring asset quality amid sector volatility.

Looking ahead, RMBI’s momentum screams upside for patient investors: insider buys signal confidence, revenue/share doubled YoY, and with 10-15% growth potential plus margin recovery, EPS could hit $0.95+ and ROE climb to 8-9%, unlocking 10-15% stock appreciation as community banking rebounds. Dive into the full analysis for the charts and projections fueling this optimistic trajectory!

Read full commentary →

Richmond Mutual Bancorporation, Inc. (RMBI) Latest News

News by impact score

Fine-tune

27 Jul

3 , 5:08 PM
Richmond Mutual Bancorporation, Inc. announces its 2026 second quarter financial results. Quarterly earnings releases can move stock prices and investor views but effects are often short-term unless results deviate sharply from expectations.

1 Jul

4 , 7:45 AM
Richmond Mutual Bancorporation completed its merger with The Farmers Bancorp of Frankfort, Indiana. Merger completion expands RMBI operations and alters its market positioning in banking.

27 May

4 PR Newswire, 4:45 PM
Shareholders approved the merger between Richmond Mutual Bancorporation, Inc. and The Farmers Bancorp of Frankfort, Indiana. Merger approval enables major expansion via acquisition of The Farmers Bancorp.

23 Apr

3 PR Newswire, 4:45 PM
Richmond Mutual Bancorporation, Inc. (RMBI) announced first quarter 2026 financial results. Quarterly financial results disclosure moderately influences RMBI's financial performance and market sentiment.

22 Jan

3 PR Newswire, 5:00 PM
Richmond Mutual Bancorporation, Inc. (RMBI) reported its financial results for the fourth quarter and fiscal year ending 2025, highlighting key metrics such as net income, total assets, and shareholder equity. The company demonstrated growth in earnings and maintained a strong balance sheet, reflecting its strategic initiatives and market positioning. Management expressed optimism about future performance and ongoing efforts to enhance operational efficiency and customer service. The financial results indicate moderate growth and stability, which may influence investor sentiment and operational aspects but are not expected to drastically change the company's trajectory.

10 Jan

3 Simply Wall St., 7:52 AM
Richmond Mutual Bancorporation, Inc. (RMBI) has a diverse ownership structure, with individual investors holding 51% of the shares, while institutions own 25%. This distribution highlights the significant influence of retail investors in the company's governance and decision-making processes. The ownership distribution may moderately influence investor sentiment and governance but is not expected to drastically change the company's trajectory.

12 Nov

4 MT Newswires, 8:31 AM
Richmond Mutual Bancorporation, Inc. has announced its acquisition of Farmers Bancorp in an all-stock deal valued at $82 million. This strategic move aims to enhance Richmond Mutual's market presence and expand its customer base. The transaction is expected to be completed in the first half of 2024, subject to regulatory approvals and customary closing conditions. Richmond Mutual anticipates that the acquisition will be accretive to its earnings and strengthen its financial position. The acquisition is a significant strategic move that could enhance market presence and financial performance.

4 PR Newswire, 7:30 AM
Richmond Mutual Bancorporation, Inc. (RMBI) and The Farmers Bancorp have announced a strategic merger aimed at enhancing their market presence and operational efficiencies. This transformational merger is expected to create a stronger financial institution, leveraging combined resources and expertise to better serve customers and expand offerings. The deal reflects a growing trend in the banking sector towards consolidation to improve competitiveness and adaptability in a changing economic landscape. The merger is a significant strategic move that could alter the competitive landscape and enhance market positioning.

25 Oct

4 Simply Wall St., 5:09 PM
Richmond Mutual Bancorporation, Inc. (RMBI) reported a profit margin that exceeded expectations, reinforcing positive narratives surrounding the community bank. The strong financial performance is expected to bolster investor confidence and support the bank's growth strategy in the competitive market. Exceeding profit margin expectations is likely to significantly enhance investor sentiment and support strategic growth initiatives.

23 Oct

3 PR Newswire, 4:30 PM
Richmond Mutual Bancorporation, Inc. (RMBI) reported its financial results for the third quarter of 2025, highlighting key metrics such as net income, total assets, and loan growth. The company demonstrated a solid performance with an increase in earnings compared to the previous quarter, driven by improved interest income and effective cost management. Additionally, RMBI's asset quality remained strong, with low levels of non-performing loans. The management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing shareholder value. The financial results indicate moderate growth and stability, which may influence investor sentiment and operational aspects but are not expected to drastically change the company's trajectory.

19 Oct

3 Simply Wall St., 8:42 AM
Investing in Richmond Mutual Bancorporation, Inc. (NASDAQ:RMBI) five years ago would have resulted in a 50% gain, highlighting the company's positive performance over the period. The stock's growth reflects its stability and potential for future returns, making it an attractive option for investors. Analysts suggest that RMBI's strategic decisions and market positioning contribute to its favorable outlook. The company's historical performance indicates a moderately noticeable influence on its future trajectory.

20 Aug

3 , 4:45 PM
Richmond Mutual Bancorporation, Inc. (RMBI) has announced a quarterly dividend of $0.10 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. This decision reflects the company's commitment to returning value to its shareholders and indicates a stable financial position. The dividend announcement suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

11 Aug

3 Simply Wall St., 6:15 AM
Richmond Mutual Bancorporation, Inc. reported earnings for the second quarter of 2025, with earnings per share (EPS) of $0.27, an increase from $0.20 in the same quarter of 2024. This growth reflects the company's improved financial performance year-over-year. The increase in EPS indicates a moderately noticeable improvement in financial performance, which may positively influence investor sentiment.

30 Jul

3 , 8:00 AM
Richmond Mutual Bancorporation, Inc. (RMBI) has gained popularity among individual investors, who own 55% of the company's shares, while institutional investors hold 22%. This distribution indicates a strong retail investor interest in RMBI. The significant ownership by individual investors may influence market sentiment and financial performance but is not expected to drastically alter the company's trajectory.

23 Jul

3 , 4:50 PM
Richmond Mutual Bancorporation, Inc. reported its financial results for the second quarter of 2025, highlighting key metrics such as net income, total assets, and loan growth. The company experienced a year-over-year increase in earnings, driven by improved interest margins and a rise in customer deposits. Management expressed optimism about future growth prospects and ongoing strategic initiatives aimed at enhancing operational efficiency and customer service. The results reflect a solid performance amid a competitive banking environment. The financial results indicate moderate growth and operational improvements that may influence the company's competitive positioning.

1 Jun

4 Simply Wall St., 8:07 AM
Richmond Mutual Bancorporation, Inc. (NASDAQ:RMBI) is set to trade ex-dividend on June 5, with a dividend payment of US$0.15 per share scheduled for June 18. The company has a trailing yield of 4.5% based on a share price of US$13.24, and its payout ratio stands at 64%, indicating a sustainable dividend. Earnings have grown by 27% annually over the past five years, and dividends have increased by an average of 25% per year. This combination of earnings and dividend growth makes Richmond Mutual Bancorporation an attractive option for investors considering the upcoming dividend. The company's strong earnings growth and sustainable dividend payout indicate significant potential for future performance.

12 May

3 , 7:04 AM
Richmond Mutual Bancorporation, Inc. (RMBI) has delivered notable returns of 62% to its investors over the past five years, reflecting strong performance in the financial sector. The company's growth trajectory has been supported by strategic initiatives and favorable market conditions, positioning it well for future opportunities. The significant returns indicate a moderately noticeable influence on investor sentiment and financial performance.

24 Apr

3 , 4:45 PM
Richmond Mutual Bancorporation, Inc. reported a net income of $2.0 million, or $0.20 diluted earnings per share, for Q1 2025, down from $2.5 million in Q4 2024. The provision for credit losses rose to $731,000 due to growth in commercial loan portfolios. Total assets remained stable at $1.5 billion, with loans and leases also unchanged at $1.2 billion. Nonperforming loans slightly increased to $7.0 million, representing 0.59% of total loans. The company recorded a one-time expense of $246,000 related to contract negotiations, impacting earnings per share. Net interest income rose 4.0% to $10.3 million, with an annualized net interest margin of 2.79%. Deposits totaled $1.1 billion, with a notable shift from noninterest-bearing to interest-bearing accounts. Stockholders' equity decreased to $130.9 million, influenced by dividends and stock repurchases. The increase in provisions for credit losses and stable financial metrics indicate moderate influence on future performance.

22 Feb

3 , 7:46 AM
Richmond Mutual Bancorporation, Inc. (RMBI) is set to pay a dividend, attracting interest from investors. The company has shown consistent performance and growth, making it a potentially appealing option for those seeking dividend income. Analysts highlight the importance of dividends in assessing the financial health and stability of a company, suggesting that RMBI's upcoming payout could enhance its attractiveness in the market. The upcoming dividend may positively influence investor sentiment and financial performance, but its overall impact is expected to be limited.

23 Jan

3 , 4:45 PM
Richmond Mutual Bancorporation, Inc. (RMBI) reported its financial results for the fourth quarter of 2024, highlighting key metrics such as net income, earnings per share, and overall financial performance. The results indicate a positive trend in profitability and growth compared to previous quarters, reflecting the company's strategic initiatives and market positioning. Management expressed optimism about future prospects and ongoing efforts to enhance shareholder value. The financial results indicate moderate growth and profitability, which may influence market sentiment and operational aspects but are not expected to fundamentally alter the company's trajectory.

20 Nov

3 PR Newswire, 4:15 PM
Richmond Mutual Bancorporation, Inc. declares a cash dividend of $0.14 per share payable on December 19, 2024. The announcement of the quarterly dividend may moderately influence the company's financial performance and investor sentiment.

26 Oct

3 Simply Wall St., 10:01 AM
Richmond Mutual Bancorporation reported third quarter 2024 earnings with revenue up 6.1% and net income up 27% from the same period in 2023. The financial results show a moderately noticeable influence on the company's performance.

24 Oct

4 PR Newswire, 4:15 PM
Richmond Mutual Bancorporation, Inc. announced net income of $2.5 million for the third quarter of 2024, with an increase in noninterest income and improved loan portfolio performance. The financial results and performance metrics discussed in the article are likely to have a significant impact on RMBI's future trajectory and market performance.

24 Aug

3 Simply Wall St., 8:26 AM
Richmond Mutual Bancorporation, Inc. (NASDAQ:RMBI) will pay a dividend of $0.14 per share on September 18th, with a dividend yield of 4.5%. The company's payout ratio is 69% and has been growing its distributions at 29% per annum since 2020. The article discusses the impact of Richmond Mutual Bancorporation's dividend payment and payout ratio on its future prospects, indicating a moderately noticeable influence expected.

25 Jul

3 PR Newswire, 4:43 PM
Richmond Mutual Bancorporation, Inc. announced its second quarter 2024 financial results, reporting a net income of $2.1 million. The company's assets, loans, and deposits remained stable, with a slight decrease in stockholders' equity. Net interest income decreased slightly, while noninterest income increased. Nonperforming loans and leases also saw a slight increase. The financial results show a moderately noticeable influence on the company's performance, with stable assets and loans but a slight decrease in stockholders' equity.

26 May

3 Simply Wall St., 9:34 AM
Richmond Mutual Bancorporation (NASDAQ:RMBI) to pay dividend of $0.14 per share on June 13, with a dividend yield of 4.7%. Dividend payment may have a moderately noticeable influence on the company's financial performance and investor returns.

16 May

3 PR Newswire, 4:30 PM
RMBI extends stock repurchase program until June 2025, with 723,195 shares available for purchase. Extension of stock repurchase program may moderately influence financial performance and market sentiment.

3 PR Newswire, 4:30 PM
Richmond Mutual Bancorporation, Inc. declares a quarterly dividend of $0.14 per share. The announcement of the quarterly dividend may moderately influence the company's financial performance and investor sentiment.

27 Apr

3 Simply Wall St., 8:41 AM
Richmond Mutual Bancorporation reports first quarter 2024 earnings with EPS of US$0.23, down from US$0.27 in 1Q 2023. Moderately noticeable influence expected on financial performance and profit margin.

25 Apr

3 PR Newswire, 4:15 PM
Richmond Mutual Bancorporation, Inc. announced $2.4 million net income for the first quarter of 2024. The financial results may moderately influence the company's performance and market sentiment.
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