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Richmond Mutual Bancorporation, Inc.

RMBI Financial Banks Regional

Richmond Mutual Bancorporation, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $91.0 million, up 6.67% from fiscal 2024.

Revenue
+4.69%
EPS
−14.8%
Free cash flow
−35.1%

Quarter to June 2026, against a year earlier

15.61 0.07 −0.45%
Market cap
$262.8M
P/E
12.6×
Fwd P/E
16.7×
Dividend yield
3.83%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.10
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 1 2 — — — 1 — 1 — — 1
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 262.78
Revenue ttm 92.45
Net income ttm 12.02
Free cash flow ttm 13.57
Net debt Q (37.57)
Valuation
P/E 12.62
Forward P/E 16.70
Price / sales 1.64
Forward P/S Powerpack
Price / FCF 11.18
Price / book 1.02
Financial health
Current ratio Q 0.90
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +4.69% (above 0%: growing)
Operating income growth Q +51.68% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A −15.03% (below 0%: weak)
EPS, past 5 yrs +7.37%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 40.64%
10-year low 10-year high
P/S against its own 10 years 33.98%
10-year low 10-year high
P/B against its own 10 years 73.70%
10-year low 10-year high

Dividends

Yield
3.83%
Annual rate
0.60
Payout ratio
49.6%
Growth, 2020–26
+20.1%/yr
  1. 0.15 ’20
  2. 0.28 ’21 +87
  3. 0.40 ’22 +43
  4. 0.56 ’23 +40
  5. 0.56 ’24 +0
  6. 0.60 ’25 +7
  7. 0.45 ’26 −25
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 20 22 35 38
Receivables — — — —
Inventory — — — —
Other — — — —
1,117 1,188 1,219 1,252
2023 2024 2025 Q'26
Payables 1,041 1,094 1,115 1,147
ST’ Debt — — — —
Other — — — —
1,312 1,359 1,367 1,391

Compound Annual Growth %

10y 5y 3y
Sales — 12.87% 17.05%
Cash Flow — (0.74%) (4.19%)
Earnings — 2.94% (3.71%)
Book Value — (5.43%) 3.27%

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
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 22 23 — — —
’25 22 22 23 23 91
’24 21 21 22 22 85
’23 16 17 19 20 72
’22 13 14 14 16 57
’21 12 13 13 13 51
’20 11 13 13 13 50
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 3 3 — — —
’25 2 5 6 3 16
’24 2 3 3 7 15
’23 4 3 2 4 12
’22 4 6 5 4 18
’21 (2) 0 6 (13) (10)
’20 5 3 0 9 17
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 3 3 — — —
’25 2 4 6 2 15
’24 2 3 3 7 14
’23 4 3 2 4 12
’22 4 6 5 3 18
’21 (3) 0 6 (13) (10)
’20 5 2 0 9 15
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — 34 39 45 50 51 57 72 85 91 92 +13.3% — — — —
Gross margin, % — 84.38 80.37 75.44 81.09 85.04 81.98 58.70 50.97 53.76 56.30 (30.6) pt
EBT — 6 7 (19) 12 14 16 11 11 14 14 +11.6%
EBT margin, % — 16.92 17.61 (42.66) 25.16 26.45 27.76 15.28 12.74 15.01 15.54 (1.9) pt
Net income — 3 6 (14) 10 11 13 9 9 12 12 +19.9%
Per share, $
Per share, $ Revenue — 2.70 0.00 4.10 4.05 4.52 5.27 6.93 8.46 9.41 9.54 +16.9%
Earnings — 0.22 0.46 (1.27) 0.82 0.98 1.20 0.91 0.93 1.20 1.24 +23.6%
Cash flow — 0.50 0.00 0.91 1.35 (0.85) 1.69 1.17 1.46 1.65 1.52 +16.1%
Capex — 0.23 0.00 (0.07) (0.15) (0.05) (0.03) 0.03 (0.03) (0.14) (0.12) n/m
Free cash flow — 0.73 0.00 0.84 1.20 (0.90) 1.66 1.20 1.43 1.52 1.40 +9.5%
Book value — 6.57 0.00 16.93 15.71 15.89 12.30 12.97 13.18 15.08 15.30 +10.9%
Shares, m — 12 0 11 12 11 11 10 10 10 10 (3.1%)
Valuation, ×
Valuation, × P/E — 0.00 0.00 0.00 16.66 16.38 10.83 12.85 15.22 11.80 12.62 9.3
P/S — 3.96 3.96 3.90 3.37 3.55 2.47 1.69 1.67 1.49 1.64 2.9
P/B — 1.87 1.87 0.94 0.87 1.01 1.06 0.90 1.07 0.93 1.02 1.2
EV/Sales — (0.75) (0.75) 3.00 2.39 3.10 2.18 1.41 1.41 1.11 — 1.5
EV/FCF — (2.46) (2.46) 14.65 8.06 (15.62) 6.92 8.13 8.36 6.86 — 3.6
Cash, $m
Cash, $m Operating cash flow — 6 8 10 17 (10) 18 12 15 16 15 +12.5%
Capex — 3 (1) (1) (2) (1) 0 0 0 (1) (1) n/m
Free cash flow — 9 7 9 15 (10) 18 12 14 15 14 +6.1%
Balance, $m
Balance, $m Working capital — (88) (84) (40) (73) (220) (202) (195) (171) (148) (139) +6.7%
Net debt — (16) (15) (41) (49) (23) (16) (20) (22) (35) (38) +10.0%
Shareholders’ equity — 82 86 188 193 180 132 135 133 146 148 +7.5%
Returns, %
Returns, % ROA — 0.34 0.71 (1.53) 0.97 0.95 1.00 0.68 0.63 0.76 0.79 +0.4 pt
ROIC — 5.43 6.13 (8.23) 5.43 5.39 8.49 6.00 6.13 7.72 9.16 +2.3 pt
ROE — 3.23 6.77 (10.29) 5.27 5.97 8.29 7.10 7.01 8.31 8.57 +5.1 pt
People
People Employees — — 172 166 170 173 181 176 173 180 — +0.7%
Revenue/emp, $m — 0.00 0.23 0.27 0.29 0.30 0.31 0.41 0.49 0.51 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Richmond Mutual Bancorporation, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BCBP BCB Bancorp, Inc. (NJ) $280.8M — (loss-making) — (loss-making) −11.64% (below 0%: shrinking) n/m −8.23% (below 0%: shrinking) 57.20% 0.00% Compare
FXNC First National Corp. $274.9M 12.7× 11.6× +2.05% (above 0%: growing) +14.29% (above 0%: growing) +60.14% (above 0%: growing) 80.94% 0.00% Compare
WNEB Western New England Bancorp $271.3M 13.7× 14.0× +6.03% (above 0%: growing) +100.00% (above 0%: growing) −9.46% (below 0%: shrinking) 67.88% 0.00% Compare
FBLA FB Bancorp, Inc. $268.4M — (loss-making) — +8.80% (above 0%: growing) n/m +669.02% (above 0%: growing) 74.66% 0.00% Compare
HWBK Hawthorn Bancshares, Inc. $268.4M 10.5× 10.0× +9.30% (above 0%: growing) +20.45% (above 0%: growing) +123.49% (above 0%: growing) 76.36% 0.00% Compare
RMBI Richmond Mutual Bancorporation, Inc. $262.8M 12.6× 16.7× +4.69% (above 0%: growing) −14.81% (below 0%: shrinking) −35.05% (below 0%: shrinking) 58.15% 0.00%
NKSH National Bankshares, Inc. $251.1M 12.4× 11.4× +6.17% (above 0%: growing) +119.44% (above 0%: growing) +118.57% (above 0%: growing) 71.02% 0.00% Compare
CMTV Community Bancorp. $248.3M 14.1× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00% Compare
EFSI Eagle Financial Services Inc. $245.4M 13.1× 14.4× +10.87% (above 0%: growing) −6.12% (below 0%: shrinking) −435.67% (below 0%: shrinking) 77.54% 0.00% Compare
Median of peers $268.4M 12.9× 11.6× +7.36% +18.56% +38.81% 74.27% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 16 April 2025

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 728.33k 778.02k 26.39
2023 768.53k 682.48k (7.11)

Ownership

Directors and executive officers, together 9.90%
Richmond Mutual Bancorporation, Inc. Employee Stock Ownership Plan 10.10%
AllianceBernstein L.P. 7.60%
The Vanguard Group 5.60%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Richmond Mutual Bancorporation, Inc. (RMBI) Latest News

30 Oct

Impact 3 · · PR Newswire

27 Jul

Impact 3 ·

1 Jul

Impact 4 ·

27 May

Impact 4 · · PR Newswire

23 Apr

Impact 3 · · PR Newswire

22 Jan

Impact 3 · · PR Newswire

10 Jan

Impact 3 · · Simply Wall St.

12 Nov

Impact 4 · · MT Newswires
Impact 4 · · PR Newswire

25 Oct

Impact 4 · · Simply Wall St.

23 Oct

Impact 3 · · PR Newswire

19 Oct

Impact 3 · · Simply Wall St.

20 Aug

Impact 3 ·

11 Aug

Impact 3 · · Simply Wall St.

30 Jul

Impact 3 ·

23 Jul

Impact 3 ·

1 Jun

Impact 4 · · Simply Wall St.

12 May

Impact 3 ·

24 Apr

Impact 3 ·

22 Feb

Impact 3 ·

23 Jan

Impact 3 ·

20 Nov

Impact 3 · · PR Newswire

26 Oct

Impact 3 · · Simply Wall St.

24 Oct

Impact 4 · · PR Newswire

24 Aug

Impact 3 · · Simply Wall St.

25 Jul

Impact 3 · · PR Newswire

26 May

Impact 3 · · Simply Wall St.

16 May

Impact 3 · · PR Newswire
Impact 3 · · PR Newswire

27 Apr

Impact 3 · · Simply Wall St.
stockrow.com/RMBI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com