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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%
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
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.07
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — 1 2 — — — 1 — 1 — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 256.92
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 12.37
Fwd P/E 16.70
P/S ratio 1.61
P/B ratio 1.00
Past 5Y EPS Growth 7.37%
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth (15.03%) (below 0%: weak)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 36.49%
10-year low 10-year high
P/S against its own 10 years 29.93%
10-year low 10-year high
P/B against its own 10 years 67.56%
10-year low 10-year high

Dividends

Payout Ratio 0.50
Annual Dividend Rate 0.60
Annual Dividend Yield 3.91%
total individual payouts
2026 0.45
0.15
0.15
0.15
2025 0.60
0.15
0.15
0.15
0.15
2024 0.56
0.14
0.14
0.14
0.14
2023 0.56
0.14
0.14
0.14
0.14
2022 0.40
0.10
0.10
0.10
0.10
2021 0.28
0.07
0.50
0.07
0.07
0.07
2020 0.15
0.05
0.05
0.05
2019 Powerpack
2018 Powerpack
2017 Powerpack
special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — 12.75 8.95 12.55 12.24 8.61 10.11 11.37

Analyst estimates 2026–2028

Powerpack
High — — — 16.00 16.02 16.71 18.16 14.25 15.15 15.24
People
People Employees — — 172 166 170 173 181 176 173 180
Revenue/emp, $m — 0.00 0.23 0.27 0.29 0.30 0.31 0.41 0.49 0.51
Income, $m
Income, $m Revenue — 34 39 45 50 51 57 72 85 91
Gross margin, % — 84.38 80.37 75.44 81.09 85.04 81.98 58.70 50.97 53.76
EBT — 6 7 (19) 12 14 16 11 11 14
EBT margin, % — 16.92 17.61 (42.66) 25.16 26.45 27.76 15.28 12.74 15.01
Net income — 3 6 (14) 10 11 13 9 9 12
Depreciation — 2 2 2 4 4 3 2 2 2
Per share, $
Per share, $ Revenue — 2.70 0.00 4.10 4.05 4.52 5.27 6.93 8.46 9.41
Earnings — 0.22 0.46 (1.27) 0.82 0.98 1.20 0.91 0.93 1.20
Cash flow — 0.50 0.00 0.91 1.35 (0.85) 1.69 1.17 1.46 1.65
Capex — 0.23 0.00 (0.07) (0.15) (0.05) (0.03) 0.03 (0.03) (0.14)
Free cash flow — 0.73 0.00 0.84 1.20 (0.90) 1.66 1.20 1.43 1.52
Book value — 6.57 0.00 16.93 15.71 15.89 12.30 12.97 13.18 15.08
Shares, m — 12 0 11 12 11 11 10 10 10
Valuation, ×
Valuation, × P/E — 0.00 0.00 0.00 16.66 16.38 10.83 12.85 15.22 11.80
P/S — 3.96 3.96 3.90 3.37 3.55 2.47 1.69 1.67 1.49
P/B — 1.87 1.87 0.94 0.87 1.01 1.06 0.90 1.07 0.93
EV/Sales — (0.75) (0.75) 3.00 2.39 3.10 2.18 1.41 1.41 1.11
EV/FCF — (2.46) (2.46) 14.65 8.06 (15.62) 6.92 8.13 8.36 6.86
Cash, $m
Cash, $m Operating cash flow — 6 8 10 17 (10) 18 12 15 16
Capex — 3 (1) (1) (2) (1) 0 0 0 (1)
Free cash flow — 9 7 9 15 (10) 18 12 14 15
Balance, $m
Balance, $m Working capital — (88) (84) (40) (73) (220) (202) (195) (171) (148)
Total debt — 104 136 154 177 180 180 — — —
Net debt — (16) (15) (41) (49) (23) (16) (20) (22) (35)
Shareholders’ equity — 82 86 188 193 180 132 135 133 146
Returns, %
Returns, % ROA — 0.34 0.71 (1.53) 0.97 0.95 1.00 0.68 0.63 0.76
ROIC — 5.43 6.13 (8.23) 5.43 5.39 8.49 6.00 6.13 7.72
ROE — 3.23 6.77 (10.29) 5.27 5.97 8.29 7.10 7.01 8.31
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
WNEB Western New England Bancorp $271.6M 16.1× 13.4× +3.49% (above 0%: growing) −21.74% (below 0%: shrinking) −9.46% (below 0%: shrinking) 66.47% 0.00% Compare
LCNB LCNB Corporation $267.9M 10.9× 10.0× +1.60% (above 0%: growing) +29.27% (above 0%: growing) +43.09% (above 0%: growing) 79.36% 0.00% Compare
FXNC First National Corp. $266.0M 12.3× 12.3× +2.05% (above 0%: growing) +14.29% (above 0%: growing) +60.14% (above 0%: growing) 80.94% 0.00% Compare
FBLA FB Bancorp, Inc. $264.7M — (loss-making) — +8.80% (above 0%: growing) n/m +669.02% (above 0%: growing) 74.66% 0.00% Compare
HWBK Hawthorn Bancshares, Inc. $263.1M 9.9× 10.0× +9.30% (above 0%: growing) +20.45% (above 0%: growing) +123.49% (above 0%: growing) 76.36% 0.00% Compare
GBFH GBank Financial Holdings Inc. $257.6M 13.6× 16.3× +22.90% (above 0%: growing) +15.15% (above 0%: growing) +3,151.19% (above 0%: growing) 68.86% 0.00% Compare
RMBI Richmond Mutual Bancorporation, Inc. $256.9M 12.4× 16.7× +4.69% (above 0%: growing) −14.81% (below 0%: shrinking) −35.05% (below 0%: shrinking) 58.15% 0.00%
BCBP BCB Bancorp, Inc. (NJ) $255.6M — (loss-making) 10.2× −11.64% (below 0%: shrinking) n/m −8.23% (below 0%: shrinking) 57.20% 0.00% Compare
EFSI Eagle Financial Services Inc. $247.6M 13.2× 12.4× +10.87% (above 0%: growing) −6.12% (below 0%: shrinking) −435.67% (below 0%: shrinking) 77.54% 0.00% Compare
Median of peers $263.9M 12.8× 12.3× +6.15% +14.72% +51.62% 75.51% 0.00%

All 323 Banks Regional stocks →

Richmond Mutual Bancorporation, Inc. (RMBI) key facts

  • Strength: Richmond Mutual Bancorporation, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $91.0 million, up 6.67% from fiscal 2024.
  • Strength: Net income was $11.6 million, or $1.20 per share (basic), a net margin of 12.7%.
  • Richmond Mutual Bancorporation, Inc. (RMBI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, RMBI traded at $15.34, a market capitalization of $256.9 million.
  • At that price the stock trades at 12.4× trailing-twelve-month earnings and 1.6× sales; its P/E is higher than 36% of its own readings over the past ten years.
  • Richmond Mutual Bancorporation, Inc. pays an annual dividend of $0.60 per share, a yield of 3.91%, with a payout ratio of 49.6%.
  • Return on equity was 8.31% and debt-to-equity 0.00.
  • Its Piotroski F-score is 9 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Richmond Mutual Bancorporation, Inc. (RMBI) Latest News

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