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%
Market cap
$256.9M
P/E
12.4×
Fwd P/E
16.7×
Dividend yield
3.91%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
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
ROE
8.31% 7.01% 7.10% 8.29% 5.97% 5.27% (10.29%) 6.77% 3.23%
ROA
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

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