Richmond Mutual Bancorporation, Inc.
RMBI Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$15.90
KIRA · Stoqly’s AI analyst, in plain words
- Richmond Mutual Bancorporation, Inc. had $48.9M of revenue in fiscal 2025, up 12.5% on the year before. Over five years, revenue changed +4.0% a year on average.
- Richmond Mutual Bancorporation, Inc. made $11.6M of net profit in fiscal 2025.
- Richmond Mutual Bancorporation, Inc. returned $11.5M to shareholders in fiscal 2025, 79% of free cash flow. The diluted share count fell 3.2%.
- It earned 8.3% on shareholders’ money. Running costs took 67.7% of revenue (the efficiency ratio; lower is better).
Market cap
$158M
P/E
13.1x
Revenue
$48.9M
Net income
$11.6M
Return on equity
8.3%
Efficiency ratio
67.7%
Richmond Mutual Bancorporation, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+12.5%
Yes. Sales grew 12.5% last year.
Does it make a profit?
23.7%
Yes. It keeps 23.7% of every sale as profit.
How lean are its costs?
67.7%
Costly. Running costs take 67.7% of revenue.
How much does it earn on its capital?
8.3%
Fair. It earns 8.3% a year on shareholders’ money.
How is the share priced?
13.1x
One share costs 13.1 times its yearly profit per share.
What Richmond Mutual Bancorporation, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 23, 2026
- Legal name
- Richmond Mutual Bancorporation, Inc.
- CIK
- 0001767837
Richmond Mutual Bancorporation, Inc. · RMBI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $43.7M | $46.5M | $42.3M | $43.5M | $48.9M |
| Revenue growth | 8.4% | 6.5% | −9.1% | 2.8% | 12.5% |
| Net interest income | $38.2M | $41.6M | $37.7M | $38.7M | $43.8M |
| Net income | $11.1M | $13.0M | $9.5M | $9.4M | $11.6M |
| Net margin | 25.5% | 27.9% | 22.4% | 21.6% | 23.7% |
| Diluted EPS | $0.96 | $1.17 | $0.91 | $0.92 | $1.17 |
| Cash | |||||
| Cash from operations | −$9.6M | $18.2M | $12.1M | $14.8M | $16.0M |
| Capital expenditure | $0.6M | $0.4M | $0.6M | $0.5M | $1.4M |
| Free cash flow | −$10.2M | $17.8M | $11.5M | $14.3M | $14.6M |
| FCF margin | −23.4% | 38.2% | 27.2% | 32.9% | 29.9% |
| Dividends paid | $9.3M | $4.4M | $5.9M | $5.7M | $5.8M |
| Share buybacks | $11.9M | $9.9M | $6.3M | $5.0M | $5.6M |
| Share count change | −5.3% | −4.9% | −5.5% | −2.1% | −3.2% |
| Debt and strength | |||||
| Cash and short-term investments | $23.0M | $15.9M | $20.2M | $21.8M | $33.1M |
| Loans, net | $833M | $962M | $1.1B | $1.2B | $1.2B |
| Deposits | $900M | $1.0B | $1.0B | $1.1B | $1.1B |
| Shareholders' equity | $180M | $132M | $135M | $133M | $146M |
| Returns and quality | |||||
| Return on equity | 6.0% | 8.3% | 7.1% | 7.0% | 8.3% |
| Return on tangible equity | 6.2% | 9.8% | 7.0% | 7.1% | 7.9% |
| Efficiency ratio | 65.6% | 64.8% | 72.7% | 73.7% | 67.7% |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Richmond Mutual Bancorporation, Inc. · RMBI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $15.90 a share, the company is worth $158M: 13.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001767837). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.