What is Richmond Mutual Bancorporation, Inc.'s earnings per share (EPS)?

Richmond Mutual Bancorporation, Inc. (RMBI) reported diluted earnings per share of $1.17 for fiscal year 2025. This represents a 27.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Richmond Mutual Bancorporation, Inc. (RMBI) Financials

RMBI

Trailing 12 months to June 30, 2026

Revenue $52.0M +15.5% YoY

Net Income $12.0M +26.3% YoY

EPS (Diluted) $1.17 FY2025 annual

Free Cash Flow $13.5M -14.5% YoY

Market Cap $249.1M as of Oct 21, 2026

Price / Sales 4.8x on $52.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 20.7x on $12.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.7x on $148.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 13, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the RMBI SEC filings page.

Richmond Mutual Bancorporation, Inc. (RMBI) reported $52.0M in revenue over the twelve months to Jun 30, 2026, up 15.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI RMBI FY2025 2026-10-22

FY2025 growth improved reported earnings, but cash conversion weakened as investment rose within a balance sheet funded mainly by liabilities.

FY2025 net income rose 23.5%, while operating cash flow rose 8.2%; profit improved faster than cash generation. Free cash flow rose only 2.2% as capital expenditures increased 195.8%, pointing to heavier reinvestment absorbing much of the operating improvement.

The bank remains heavily liability-funded: liabilities were 90.4% of assets in FY2025, and the liabilities-to-equity ratio was 9.5x. Yet equity grew 9.7% while liabilities grew only 0.6%, so modest balance-sheet strengthening came from the capital side rather than shrinking obligations.

Net profit margin reached 23.7% in FY2025 after falling 0.9 percentage points in FY2024. That rebound accompanied 12.5% revenue growth, while SG&A increased just 1.1%, indicating operating costs did not rise in step with the latest expansion.

Financial Health Signals

Financial Health Score (5 of 6 dimensions) 44/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Richmond Mutual Bancorporation, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Richmond Mutual Bancorporation, Inc. earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.6% the prior year. Earnings ranks banks on that return over three years, and Richmond Mutual Bancorporation, Inc. scores 35/100 among other banks.

Growth

Richmond Mutual Bancorporation, Inc. reported revenue of $48.9M in fiscal year 2025, against $43.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Richmond Mutual Bancorporation, Inc. scores 48/100 among other banks.

Capital

Richmond Mutual Bancorporation, Inc. funded 9.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $145.8M of equity against $1.5B of assets. Capital ranks banks on that cushion, and Richmond Mutual Bancorporation, Inc. scores 26/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Richmond Mutual Bancorporation, Inc. scores 29/100 on it among other banks.

Credit Quality

n/a

Not available for Richmond Mutual Bancorporation, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.

Stability

Richmond Mutual Bancorporation, Inc. reported net income of $11.6M in fiscal year 2025, against $9.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Richmond Mutual Bancorporation, Inc. scores 82/100 among other banks.

Piotroski F-Score Partial

5/6

Richmond Mutual Bancorporation, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$13.7M

YoY+15.3%

QoQ+7.1%

5Y CAGR+4.7%

Richmond Mutual Bancorporation, Inc. generated $13.7M in revenue in Q2 2026. This represents an increase of 15.3% from the same quarter a year earlier. Against the prior quarter it is up 7.1%.

Net Income

$2.2M

YoY-14.4%

QoQ-20.1%

5Y CAGR-4.3%

Richmond Mutual Bancorporation, Inc. reported $2.2M in net income in Q2 2026. This represents a decrease of 14.4% from the same quarter a year earlier. Against the prior quarter it is down 20.1%.

EPS (Diluted)

$0.22

YoY-15.4%

QoQ-21.4%

5Y CAGR-1.7%

Richmond Mutual Bancorporation, Inc. earned $0.22 per diluted share (EPS) in Q2 2026. This represents a decrease of 15.4% from the same quarter a year earlier. Against the prior quarter it is down 21.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$2.7M

YoY-35.0%

QoQ+11.3%

5Y CAGRn/m

Richmond Mutual Bancorporation, Inc. generated $2.7M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 35.0% from the same quarter a year earlier. Against the prior quarter it is up 11.3%.

Cash & Debt

$34.7M

YoY+27.6%

QoQ-0.2%

5Y CAGR+15.2%

Richmond Mutual Bancorporation, Inc. held $34.7M in cash as of Q2 2026; no long-term debt figure is on record for that period.

Dividends Per Share

$0.15

YoY0.0%

QoQ0.0%

5Y CAGR-23.4%

Richmond Mutual Bancorporation, Inc. paid $0.15 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

17M

YoY+60.7%

QoQ+59.6%

5Y CAGR+6.1%

Richmond Mutual Bancorporation, Inc. had 17M shares outstanding in Q2 2026. This represents an increase of 60.7% from the same quarter a year earlier. Against the prior quarter it is up 59.6%.

Margins & Returns

Net Margin

16.3%

YoY-5.7pp

QoQ-5.5pp

5Y change-9.4pp

Richmond Mutual Bancorporation, Inc.'s net profit margin was 16.3% in Q2 2026, showing the share of revenue converted to profit. This is down 5.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.5 percentage points.

Return on Equity

1.5%

YoY-0.5pp

QoQ-0.4pp

5Y change0.0pp

Richmond Mutual Bancorporation, Inc.'s quarterly ROE was 1.5% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

YoY-100.0%

QoQn/m

Richmond Mutual Bancorporation, Inc. repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Capital Expenditures

$290K

YoY-53.7%

QoQ-10.6%

5Y CAGR+122.2%

Richmond Mutual Bancorporation, Inc. invested $290K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 53.7% from the same quarter a year earlier. Against the prior quarter it is down 10.6%.

R&D Spending

Not reported for Q2 2026.

RMBI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

RMBI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Revenue	$52.0M	$48.9M+12.5%	$43.5M+2.8%	$42.3M-9.1%	$46.5M+6.5%	$43.7M+8.4%	$40.3M+17.6%	$34.3M+7.9%	$31.7M
Interest Expense	$40.4M	$42.1M+0.6%	$41.8M+40.6%	$29.7M+191.1%	$10.2M+33.0%	$7.7M-18.2%	$9.4M-15.8%	$11.2M+43.9%	$7.8M
Income Tax	$2.3M	$2.1M+39.7%	$1.5M-1.9%	$1.5M-45.5%	$2.8M+14.3%	$2.4M-1.7%	$2.5Mn/m	-$5.3M-514.1%	$1.3M
Net Income	$12.0M	$11.6M+23.5%	$9.4M-1.2%	$9.5M-26.8%	$13.0M+16.3%	$11.1M+11.3%	$10.0Mn/m	-$14.1M-348.1%	$5.7M
EPS (Basic)	N/A	$1.20+29.0%	$0.93+2.2%	$0.91-24.2%	$1.20+22.4%	$0.98+19.5%	$0.82n/m	-$1.27	N/A
EPS (Diluted)	—	$1.17+27.2%	$0.92+1.1%	$0.91-22.2%	$1.17+21.9%	$0.96+17.1%	$0.82n/m	-$1.27	N/A
Diluted Shares (Avg)	N/A	10M-3.2%	10M-2.1%	10M-5.5%	11M-4.9%	12M-5.3%	12M	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$13.7M+15.3%	$12.7M+11.6%	$13.1M+18.1%	$12.6M+17.1%	$11.8M+10.8%	$11.4M+4.2%	$11.1M+5.2%	$10.8M+4.6%
Interest Expense	$9.8M-7.2%	$9.7M-8.4%	$10.3M-4.2%	$10.5M-2.9%	$10.6M+0.7%	$10.6M+9.6%	$10.8M+16.8%	$10.8M+30.7%
Income Tax	$436K+14.1%	$562K+61.5%	$701K+52.4%	$645K+74.5%	$382K+25.4%	$348K-1.1%	$460K+95.6%	$369K+35.0%
Net Income	$2.2M-14.4%	$2.8M+41.5%	$3.4M+37.7%	$3.6M+45.5%	$2.6M+26.3%	$2.0M-16.9%	$2.5M+27.5%	$2.5M+26.8%
EPS (Basic)	$0.23-14.8%	$0.29+45.0%	$0.36+44.0%	$0.37+48.0%	$0.27+35.0%	$0.20-13.0%	$0.25+31.6%	$0.25+31.6%
EPS (Diluted)	$0.22-15.4%	$0.28+40.0%	$0.35+45.8%	$0.36+50.0%	$0.26+30.0%	$0.20-13.0%	$0.24+26.3%	$0.24+26.3%
Diluted Shares (Avg)	10M+0.7%	10M-2.2%	N/A	10M-3.2%	10M-3.3%	10M-1.4%	N/A	10M-1.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

RMBI Balance Sheet

RMBI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Total Assets	$1.5B+1.4%	$1.5B+3.0%	$1.5B+10.0%	$1.3B+4.8%	$1.3B+16.9%	$1.1B+10.0%	$986.0M+16.1%	$849.6M
Cash & Equivalents	$33.1M+52.3%	$21.8M+7.5%	$20.2M+27.1%	$15.9M-30.9%	$23.0M-52.8%	$48.8M+20.1%	$40.6M+171.2%	$15.0M
Total Liabilities	$1.4B+0.6%	$1.4B+3.5%	$1.3B+10.9%	$1.2B+10.0%	$1.1B+21.9%	$891.5M+11.7%	$798.3M+4.5%	$763.8M
Total Equity	$145.8M+9.7%	$132.9M-1.5%	$134.9M+1.9%	$132.4M-26.6%	$180.5M-6.3%	$192.7M+2.6%	$187.8M+118.7%	$85.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.6B+2.9%	$1.5B-0.2%	$1.5B+1.4%	$1.5B+2.2%	$1.5B+0.8%	$1.5B+2.4%	$1.5B+3.0%	$1.5B+4.9%
Cash & Equivalents	$34.7M+27.6%	$34.8M+28.7%	$33.1M+52.3%	$34.3M+75.1%	$27.2M+43.1%	$27.0M+33.2%	$21.8M+7.5%	$19.6M-5.2%
Total Liabilities	$1.4B+2.1%	$1.4B-1.3%	$1.4B+0.6%	$1.4B+2.4%	$1.4B+0.8%	$1.4B+2.7%	$1.4B+3.5%	$1.4B+3.7%
Total Equity	$148.3M+12.1%	$144.9M+10.7%	$145.8M+9.7%	$140.0M0.0%	$132.3M+0.9%	$130.9M-1.1%	$132.9M-1.5%	$140.0M+18.0%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt, Retained Earnings.

RMBI Cash Flow Statement

RMBI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Operating Cash Flow	$14.8M	$16.0M+8.2%	$14.8M+21.8%	$12.1M-33.3%	$18.2Mn/m	-$9.6M-158.2%	$16.6M+64.2%	$10.1M+19.3%	$8.5M
Depreciation & Amortization	N/A	$892K+4.9%	$850K-12.9%	$976K-8.3%	$1.1M-5.4%	$1.1M+12.3%	$1.0M+11.5%	$898K+0.3%	$895K
Stock-Based Compensation	N/A	$816K-44.7%	$1.5M-9.4%	$1.6M+5.7%	$1.5M-15.0%	$1.8M+123.3%	$811Kn/m	$0	N/A
Capital Expenditures	$1.3M	$1.4M+195.8%	$460K-25.7%	$619K+60.8%	$385K-33.5%	$579K-69.2%	$1.9M+95.9%	$960K-27.7%	$1.3M
Free Cash Flow	$13.5M	$14.6M+2.2%	$14.3M+24.3%	$11.5M-35.3%	$17.8Mn/m	-$10.2M-169.6%	$14.7M+60.8%	$9.1M+28.1%	$7.1M
Investing Cash Flow	-$28.8M	-$1.1Mn/m	-$49.3Mn/m	-$122.5Mn/m	-$116.1Mn/m	-$212.2Mn/m	-$89.3Mn/m	-$106.8Mn/m	-$101.5M
Financing Cash Flow	$21.5M	-$3.5M-109.6%	$36.1M-68.6%	$114.7M+26.3%	$90.8M-53.7%	$196.1M+142.5%	$80.9M-33.9%	$122.3M+33.1%	$91.9M
Dividends Paid	$5.8M	$5.8M+2.4%	$5.7M-3.8%	$5.9M+34.3%	$4.4M-52.5%	$9.3M+404.5%	$1.8Mn/m	$0-100.0%	$500K
Share Buybacks	$0	$5.6M+11.7%	$5.0M-19.3%	$6.3M-36.6%	$9.9M-17.2%	$11.9M+31.2%	$9.1M	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$3.0M-37.5%	$2.8M+27.7%	$2.7M-60.7%	$6.3M+117.8%	$4.8M+66.1%	$2.2M+0.9%	$6.8M+79.3%	$2.9M+49.6%
Depreciation & Amortization	$224K+1.4%	$224K+2.0%	$227K+6.9%	$224K+5.9%	$221K+4.6%	$219K+2.2%	$212K-5.2%	$212K-13.2%
Stock-Based Compensation	N/A	$87K-75.9%	N/A	N/A	N/A	$363K-1.1%	N/A	-$167Kn/m
Capital Expenditures	$290K-53.7%	$325K+327.2%	$197K+69.4%	$462K+302.8%	$627K+449.3%	$76K-34.2%	$116K-40.1%	$115K+143.5%
Free Cash Flow	$2.7M-35.0%	$2.5M+16.9%	$2.5M-63.0%	$5.8M+110.2%	$4.2M+50.4%	$2.1M+2.8%	$6.7M+85.7%	$2.8M+47.2%
Investing Cash Flow	-$29.9M-306.1%	$4.8Mn/m	$3.2Mn/m	-$6.8M-162.3%	$14.5Mn/m	-$12.0Mn/m	-$19.0Mn/m	$10.9Mn/m
Financing Cash Flow	$26.8Mn/m	-$5.9M-138.8%	-$7.0M-148.5%	$7.6Mn/m	-$19.2M-382.8%	$15.1M-46.1%	$14.4M-18.9%	-$13.2M-156.8%
Dividends Paid	$1.5M+1.8%	$1.5M-1.9%	$1.5M+3.8%	$1.4M+1.9%	$1.4M+0.2%	$1.5M+3.9%	$1.4M-3.0%	$1.4M-3.5%
Share Buybacks	$0-100.0%	$0-100.0%	$0-100.0%	$0-100.0%	$1.4M+23.2%	$4.2M+294.7%	$1.9M+99.4%	$886K-47.6%

RMBI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

RMBI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K
Net Margin	23.7%+2.1pp	21.6%-0.9pp	22.4%-5.4pp	27.9%+2.3pp	25.5%+0.7pp	24.9%+66.0pp	-41.1%-59.0pp	17.9%
Return on Equity	7.9%+0.9pp	7.1%0.0pp	7.0%-2.8pp	9.8%+3.6pp	6.2%+1.0pp	5.2%+12.7pp	-7.5%-14.1pp	6.6%
Return on Assets	0.8%+0.1pp	0.6%0.0pp	0.7%-0.3pp	1.0%+0.1pp	0.9%0.0pp	0.9%+2.4pp	-1.4%-2.1pp	0.7%
Liabilities-to-Equity	9.47-0.9x	10.33+0.5x	9.83+0.8x	9.03+3.0x	6.02+1.4x	4.63+0.4x	4.25-4.6x	8.90
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.030.0x	0.04
FCF Margin	29.9%-3.0pp	32.9%+5.7pp	27.2%-11.0pp	38.2%+61.6pp	-23.4%-59.9pp	36.5%+9.8pp	26.7%+4.2pp	22.5%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	16.3%-5.7pp	21.9%+4.6pp	26.1%+3.7pp	28.6%+5.6pp	22.0%+2.7pp	17.2%-4.4pp	22.4%+3.9pp	23.0%+4.0pp
Return on Equity	1.5%-0.5pp	1.9%+0.4pp	2.3%+0.5pp	2.6%+0.8pp	2.0%+0.4pp	1.5%-0.3pp	1.9%+0.4pp	1.8%+0.1pp
Return on Assets	0.1%0.0pp	0.2%+0.1pp	0.2%+0.1pp	0.2%+0.1pp	0.2%0.0pp	0.1%0.0pp	0.2%0.0pp	0.2%0.0pp
Liabilities-to-Equity	9.47-0.9x	9.48-1.1x	9.47-0.9x	9.89+0.2x	10.390.0x	10.63+0.4x	10.33+0.5x	9.66-1.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	20.1%-15.6pp	19.3%+0.9pp	18.9%-41.4pp	46.2%+20.5pp	35.6%+9.4pp	18.4%-0.2pp	60.4%+26.2pp	25.7%+7.4pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Richmond Mutual Bancorporation, Inc. RMBI	FY2025	$48.9M	$11.6M	23.7%	$249.1M	44/100
First Capital Inc FCAP	FY2025	$50.6M	$16.4M	32.3%	$207.1M	62/100
Rhinebeck Bancorp, Inc. RBKB	FY2025	$53.4M	$10.0M	18.8%	$199.8M	28/100
Citizens Community Bancorp, Inc. CZWI	FY2025	$62.3M	$14.4M	23.1%	$203.9M	45/100
Eagle Bancorp Montana, Inc EBMT	FY2025	$91.6M	$14.8M	16.2%	$167.2M	32/100
Landmark Bancorp Inc LARK	FY2025	$70.6M	$18.8M	26.6%	$189.2M	48/100

Where Richmond Mutual Bancorporation, Inc. Ranks

Frequently Asked Questions

What is Richmond Mutual Bancorporation, Inc.'s annual revenue?

Richmond Mutual Bancorporation, Inc. (RMBI) reported $48.9M in total revenue for fiscal year 2025. This represents a 12.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Richmond Mutual Bancorporation, Inc.'s revenue growing?

Richmond Mutual Bancorporation, Inc. (RMBI) revenue grew by 12.5% year-over-year, from $43.5M to $48.9M in fiscal year 2025.

Is Richmond Mutual Bancorporation, Inc. profitable?

Yes, Richmond Mutual Bancorporation, Inc. (RMBI) reported a net income of $12.0M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $11.6M, with a net profit margin of 23.7%.

What is Richmond Mutual Bancorporation, Inc.'s net profit margin?

Richmond Mutual Bancorporation, Inc. (RMBI) had a net profit margin of 23.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Richmond Mutual Bancorporation, Inc. pay dividends?

Yes, Richmond Mutual Bancorporation, Inc. (RMBI) paid $0.60 per share in dividends during fiscal year 2025.

What is Richmond Mutual Bancorporation, Inc.'s return on equity (ROE)?

Richmond Mutual Bancorporation, Inc. (RMBI) has a return on equity of 7.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Richmond Mutual Bancorporation, Inc.'s free cash flow?

Richmond Mutual Bancorporation, Inc. (RMBI) generated $14.6M in free cash flow during fiscal year 2025. This represents a 2.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Richmond Mutual Bancorporation, Inc.'s operating cash flow?

Richmond Mutual Bancorporation, Inc. (RMBI) generated $16.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Richmond Mutual Bancorporation, Inc.'s total assets?

Richmond Mutual Bancorporation, Inc. (RMBI) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Richmond Mutual Bancorporation, Inc.'s capital expenditures?

Richmond Mutual Bancorporation, Inc. (RMBI) invested $1.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Richmond Mutual Bancorporation, Inc. buy back shares?

Yes, Richmond Mutual Bancorporation, Inc. (RMBI) spent $5.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Richmond Mutual Bancorporation, Inc. have outstanding?

Richmond Mutual Bancorporation, Inc. (RMBI) had 11M shares outstanding as of fiscal year 2025.

What is Richmond Mutual Bancorporation, Inc.'s liabilities-to-equity ratio?

Richmond Mutual Bancorporation, Inc. (RMBI) had a liabilities-to-equity ratio of 9.47 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is Richmond Mutual Bancorporation, Inc.'s return on assets (ROA)?

Richmond Mutual Bancorporation, Inc. (RMBI) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Richmond Mutual Bancorporation, Inc.'s P/E ratio?

Richmond Mutual Bancorporation, Inc. (RMBI) trades at 20.7x earnings, its market capitalization divided by $12.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $249.1M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Richmond Mutual Bancorporation, Inc.'s price-to-sales ratio?

Richmond Mutual Bancorporation, Inc. (RMBI) trades at 4.8x sales, its market capitalization divided by $52.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $249.1M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Richmond Mutual Bancorporation, Inc.'s Piotroski F-Score?

Richmond Mutual Bancorporation, Inc. (RMBI) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is Richmond Mutual Bancorporation, Inc.?

Richmond Mutual Bancorporation, Inc. (RMBI) scores 44 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Richmond Mutual Bancorporation, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.