Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 4.69%, EPS fell 14.8% and free cash flow fell 35.1%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.
15.34
0.01
+0.07%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | |
|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
9 | 7 | 7 | 8 | 4 | 6 | — | — | — |
P/E ratio |
11.80 | 15.22 | 12.85 | 10.83 | 16.38 | 16.66 | 0.00 | 0.00 | 0.00 |
P/S ratio |
1.49 | 1.67 | 1.69 | 2.47 | 3.55 | 3.37 | 3.90 | 3.96 | 3.96 |
P/FCF ratio |
9.27 | 9.89 | 9.75 | 7.84 | 0.00 | 11.38 | 19.01 | 13.05 | 13.05 |
P/Operating CF |
50.91 | 21.00 | 32.08 | 39.26 | (14.04) | 18.60 | 55.70 | 59.61 | 59.61 |
P/B ratio |
0.93 | 1.07 | 0.90 | 1.06 | 1.01 | 0.87 | 0.94 | 1.87 | 1.87 |
Price to Tangible BV |
0.94 | 1.09 | 0.91 | 1.07 | 1.02 | 0.88 | 0.95 | 1.90 | 1.90 |
EV/Sales |
1.11 | 1.41 | 1.41 | 2.18 | 3.10 | 2.39 | 3.00 | (0.75) | (0.75) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
6.30 | 8.17 | 8.36 | 6.80 | (16.51) | 7.17 | 13.51 | (2.32) | (2.32) |
EV/FCF |
6.86 | 8.36 | 8.13 | 6.92 | (15.62) | 8.06 | 14.65 | (2.46) | (2.46) |
Quick Ratio |
0.03 | 0.02 | 0.02 | 0.01 | 0.02 | 0.06 | 0.05 | 0.02 | 0.02 |
Current Ratio |
0.89 | 0.87 | 0.85 | 0.83 | 0.80 | 0.92 | 0.95 | 0.89 | 0.87 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
Operating CF/Net income |
1.38 | 1.57 | 1.28 | 1.40 | (0.87) | 1.65 | (0.72) | 1.49 | 2.29 |
Capex/Depreciation |
(0.71) | (0.17) | 0.15 | (0.11) | (0.14) | (0.45) | (0.34) | (0.58) | 1.18 |
| 8.31% | 7.01% | 7.10% | 8.29% | 5.97% | 5.27% | (10.29%) | 6.77% | 3.23% | |
| 0.76% | 0.63% | 0.68% | 1.00% | 0.95% | 0.97% | (1.53%) | 0.71% | 0.34% | |
ROIC |
7.72% | 6.13% | 6.00% | 8.49% | 5.39% | 5.43% | (8.23%) | 6.13% | 5.43% |
Return on Tangible Assets |
(8.62%) | (5.94%) | (5.22%) | (6.89%) | (5.43%) | (17.19%) | 53.71% | (8.08%) | (3.66%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
38.76% | 38.23% | 43.42% | 54.22% | 58.59% | 55.93% | 118.10% | 62.76% | 67.47% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.71% | 2.50% | 3.11% | 4.12% | 5.08% | 2.94% | 0.70% | 0.00% | 0.00% |
Graham Net Nets |
(1.18) | (1.29) | (1.72) | (1.52) | (1.24) | (0.61) | (0.38) | (0.56) | (0.56) |
Graham Number |
20.09 | 16.61 | 16.30 | 18.22 | 18.72 | 17.03 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
8.48% | 6.57% | 7.78% | 9.23% | 6.11% | 6.00% | (7.96%) | (1.86%) | (1.86%) |
Free Cash Flow Yield |
10.79% | 10.11% | 10.25% | 12.76% | (5.59%) | 8.79% | 5.26% | 7.66% | 7.66% |
Revenue per Share |
9.41 | 8.46 | 6.93 | 5.27 | 4.52 | 4.05 | 4.10 | 0.00 | 2.70 |
Operating CF per Share |
1.65 | 1.46 | 1.17 | 1.69 | (0.85) | 1.35 | 0.91 | 0.00 | 0.50 |
Capex per Share |
(0.14) | (0.03) | 0.03 | (0.03) | (0.05) | (0.15) | (0.07) | 0.00 | 0.23 |
Free Cash Flow per Share |
1.52 | 1.43 | 1.20 | 1.66 | (0.90) | 1.20 | 0.84 | 0.00 | 0.73 |
Cash per Share |
3.64 | 2.19 | 1.95 | 1.52 | 2.03 | 3.98 | 3.66 | 0.00 | 1.31 |
Shareholders Equity per Share |
15.08 | 13.18 | 12.97 | 12.30 | 15.89 | 15.71 | 16.93 | 0.00 | 6.57 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
15.08 | 13.18 | 12.97 | 12.30 | 15.89 | 15.71 | 16.93 | 0.00 | 6.57 |
Free Cash Flow |
14.65 | 14.42 | 12.46 | 17.86 | (10.20) | 14.73 | 9.31 | 7.24 | 9.14 |
Working Capital |
(147.75) | (170.88) | (195.19) | (201.97) | (219.54) | (73.17) | (40.31) | (84.32) | (87.83) |
Capital Expenditures |
(1.32) | (0.33) | 0.35 | (0.30) | (0.55) | (1.85) | (0.79) | (1.22) | 2.92 |
Net Current Asset Value |
(160.87) | (183.94) | (209.21) | (212.35) | (226.52) | (101.61) | (67.35) | (91.35) | (95.26) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.04 | 0.02 | 0.03 | (0.09) |
Price to Operating Income |
9.94 | 13.13 | 11.05 | 8.89 | 13.42 | 13.41 | 0.00 | 34.52 | 34.52 |
| Other line items | |||||||||
Depreciation/Fixed assets |
0.14 | 0.15 | 0.17 | 0.21 | 0.28 | 0.27 | 0.16 | 0.15 | 0.18 |
Cash ROIC |
8.10% | 9.31% | 8.03% | 12.00% | (5.01%) | 6.10% | 4.08% | 7.18% | 9.31% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.04 | 0.04 | 0.03 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
9,674.85 | 9,548.01 | 12,774.72 | 35,904.64 | 42,771.75 | 26,931.72 | 20,193.15 | 29,221.32 | 38,960.80 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,104.42 | 1,067.54 | 1,023.20 | 952.72 | 796.61 | 655.13 | 618.93 | 590.52 | 590.52 |
Average Assets |
1,515.33 | 1,482.95 | 1,394.53 | 1,297.83 | 1,175.92 | 1,035.12 | 917.83 | 801.62 | 802.00 |
Average Common Equity |
139.33 | 133.87 | 133.62 | 156.43 | 186.60 | 190.25 | 136.82 | 83.83 | 84.00 |
Columns are period end dates