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Richmond Mutual Bancorporation, Inc.

RMBI

$15.81 ▼ -0.15 (-0.91%) at close

9 Visible periods

33 Metrics

Peer-ranked Benchmarks

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Health

Good

Bullish

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Analytical Summary

Richmond Mutual Bancorporation, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $166.0M

Dividend Yield 3.80%

Revenue Growth 12.5% ↗

Op. Margin 27.9%

ROIC None

FCF / Share None

Trailing P/E 13.2x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$48.91M

↑ +12.5% —

Net Income Profit after all expenses

$11.58M

↑ +23.5% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.60 Latest / share

+7.1% YoY

+32.0% 6-yr CAGR

FY 2017

FY 2018

FY 2019

$0.15

FY 2020

$0.78

FY 2021

$0.40

FY 2022

$0.56

FY 2023

$0.56

FY 2024

$0.60

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	12.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+109%)	2.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-53%)	-9.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-252%)	6.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+9%)	8.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+40%)	17.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+193%)	7.9% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+32%)	—	—
EPS Growth YoY (%)	29.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	2.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-24.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	22.4% Good Good Year-over-year change in earnings per share Optimal: > 10%	19.5% Good Good Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—
Net Income Growth YoY (%)	23.5% Good ↑ Good Improving Year-over-year change in net income	-1.2% Weak ↓ Weak Declining Year-over-year change in net income	-26.8% Weak ↓ Weak Declining Year-over-year change in net income	16.3% Good Good Year-over-year change in net income	11.3% Fair Fair Year-over-year change in net income	N/M	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	10.7% Good Good Compound annual revenue growth over 3 years	11.2% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.9% Fair Fair Compound annual revenue growth over 5 years	5.9% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	0.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-1.7% Weak Weak Compound annual EPS growth over 3 years	3.5% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Operating Margin (%) (%)	27.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	15.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	23.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	21.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	25.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	24.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	-41.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-287%)	17.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	7.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	7.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	9.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	6.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	5.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	-7.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-163%)	6.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$4.66	$3.94	$3.68	$3.87	$3.43	$3.00	—	—	—
Basic EPS, GAAP (USD)	$1.20	$0.93	$0.91	$1.20	$0.98	$0.82	$-1.27	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.60	$0.56	$0.56	$0.40	$0.78	$0.15	—	—	—
Book Value per Share (USD)	$13.88	$12.29	$12.03	$11.23	$14.55	$14.61	$13.88	—	—
Tangible Book Value per Share (USD)	$13.88	$12.29	$12.03	$11.23	$14.55	$14.61	$13.88	—	—
Basic Weighted Avg Shares (shares)	10.50M	11.03M	11.49M	12.00M	12.73M	13.41M	—	—	—
Dividend Payout Ratio (%)	50.0% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	60.2% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	61.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	79.6% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	18.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$145.78M	$132.87M	$134.86M	$132.38M	$180.48M	$192.71M	$187.79M	$85.85M	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$48.91M	$43.47M	$42.27M	$46.51M	$43.66M	$40.27M	$34.26M	$31.74M	—
Net Income, GAAP (USD)	$11.58M	$9.38M	$9.49M	$12.97M	$11.14M	$10.02M	$-14.08M	$5.68M	—
Operating Cash Flow (USD)	$15.97M	$14.75M	$12.11M	$18.16M	$-9.65M	$16.57M	$10.10M	$8.46M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	2.6%	2.6%	3.1%	3.0%	3.1%	3.1%	3.2%	—
Efficiency Ratio (%) (%)	67.7%	73.7%	72.7%	64.8%	65.6%	59.6%	149.0%	72.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 9 years · 34 quarters

Richmond Mutual Bancorporation, Inc.

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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