Richmond Mutual Bancorporation, Inc. (RMBI)

NCM – Real Time Price. Currency in USD

16.12

+0.05 (0.31%)

Market open: Aug 12, 2026, 12:25 PM EDT

16.07

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 16.07$
Day's range: 15.89 - 16.21$
52-week range: 12.77 - 16.59$
Volume: 95 052
Average volume: 44 880
Beta: 0.15
EPS (TTM): 1.24
PE ratio (TTM): 13.25
Forward P/E: N/A
Market cap: 269 262 762
Shares outstanding: 16 755 617
Dividend yield: $3.73 (3.73%)
Next earnings date: 2026-04-23
Sector: Financials
Industry: Banks - Regional

About the company

Richmond Mutual Bancorporation, Inc. operates as the bank holding company for First Bank Richmond that provides various banking services. The company accepts various deposits, including savings deposit accounts, money market accounts, NOW and demand accounts, and certificates of deposit. It also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, constru... read more

CEO: Garry Kleer
Country: United States
IPO Date: 2019-07-02
Employees: 180
Fiscal Year End: January - December
Website: https://www.firstbankrichmo...

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: RMBI

Loading Chart...

Overall Score

3.5 / 1035%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $244.0M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (1.6) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.15	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	1.65	0.05	4.0
Debt to Assets	0.16	0.09	8.0
Interest coverage	N/A	N/A	10
Weighted average score			5.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	57M	72M	85M	91M	92M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	16M	11M	11M	14M	14M
Net Income	13M	9M	9M	12M	12M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	19.50	0.44	9.0
Net margin %	16.31	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.77	1.46	2.0
ROE	8.37	14.94	6.0
ROIC	3.29	0.00	5.0
ROCE	N/A	0.00	1.0
Weighted average score			3.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	N/A	N/A	1.0
Next year	N/A	N/A	1.0
Weighted average score			1.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	4.59	-20.03	N/A	-0.36	1.8
Y/Y	4.7	-14.4	N/A	-12.39	1.8
3y average	17.36	-1.49	N/A	-2.59	3.0
5y average	13.18	4.62	N/A	25.55	5.8
Weighted average score					3.1

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	13.01	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.01	3.37	4.8
P/B	1.72	1.53	5.2
Weighted average score			4.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR13.18%

FCF 5 year CAGR4

Fair value47.99$

Stock price16.11$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	4.11	4.11	9.0
Payout ratio	250.00	250.00	2.0
5-year dividend growth rate	31.95	31.95	10
Years of dividend increase	1.00	1.00	2.0
Weighted average score			5.8

Fair Value

$47.99

UndervaluedStock priceOvervalued

$16.11

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Garry Kleer

Country

United States

IPO Date

2019-07-02

Employees

180

Fiscal Year End

January - December

Website

https://www.firstbankrichmo...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.15

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

1.65

0.05

4.0

Debt to Assets

0.16

0.09

8.0

Interest coverage

N/A

Weighted average score

5.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

57M

72M

85M

91M

92M

Gross Profit

N/A

Operating Income

16M

11M

14M

Net Income

13M

12M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

19.50

0.44

9.0

Net margin %

16.31

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.77

1.46

2.0

ROE

8.37

14.94

6.0

ROIC

3.29

0.00

5.0

ROCE

N/A

0.00

1.0

Weighted average score

3.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

N/A

1.0

Next year

N/A

1.0

Weighted average score

1.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

4.59

-20.03

N/A

-0.36

1.8

Y/Y

4.7

-14.4

N/A

-12.39

1.8

3y average

17.36

-1.49

N/A

-2.59

3.0

5y average

13.18

4.62

N/A

25.55

5.8

Weighted average score

3.1

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

13.01

11.16

5.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.01

3.37

4.8

P/B

1.72

1.53

5.2

Weighted average score

4.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

4.11

9.0

Payout ratio

250.00

2.0

5-year dividend growth rate

31.95

Years of dividend increase

1.00

2.0

Weighted average score

5.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

Search stocks

Richmond Mutual Bancorporation, Inc. (RMBI)

Get all premium features to the best stock analysis tool

Finranks

Company

Contact us

Follow us

Richmond Mutual Bancorporation, Inc. (RMBI)

Stock details

About the company

Revenue Breakdown

News

Chart: RMBI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$47.99

$16.11

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: RMBI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$47.99

$16.11

Economic Moat