Richmond Mut Bancorporation Financials
This page shows Richmond Mut Bancorporation (RMBI) financial statements, including the 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).
Richmond Mutual’s earnings model relies on thin asset returns amplified by leverage, not unusually rich margins on a small asset base.
Between FY2023 and FY2025, return on assets improved from0.6% to0.8% . Meanwhile debt-to-equity eased from 9.8x to 9.5x, so the rebound in earnings came with slightly more capital support rather than more balance-sheet stretch.
FY2025 looks like a self-funded year: operating cash flow of
The bank also appears to be in capital-allocation mode rather than expansion mode: financing cash flow turned to
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Richmond Mut Bancorporation'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.
Richmond Mut Bancorporation's revenue grew 6.7% year-over-year to $85.9M, a solid pace of expansion. This earns a growth score of 55/100.
Richmond Mut Bancorporation has elevated debt relative to equity (D/E of 9.47), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Richmond Mut Bancorporation converts 17.0% of revenue into free cash flow ($14.6M). This strong cash generation earns a score of 68/100.
Richmond Mut Bancorporation generates a 7.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 28/100. This is up from 7.1% the prior year.
Richmond Mut Bancorporation passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Richmond Mut Bancorporation generates $1.38 in operating cash flow ($16.0M OCF vs $11.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Richmond Mut Bancorporation generated $85.9M in revenue in fiscal year 2025. This represents an increase of 6.7% from the prior year.
Richmond Mut Bancorporation reported $11.6M in net income in fiscal year 2025. This represents an increase of 23.5% from the prior year.
Richmond Mut Bancorporation earned $1.17 per diluted share (EPS) in fiscal year 2025. This represents an increase of 27.2% from the prior year.
Cash & Balance Sheet
Richmond Mut Bancorporation generated $14.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 2.2% from the prior year.
Richmond Mut Bancorporation held $33.1M in cash against $0 in long-term debt as of fiscal year 2025.
Richmond Mut Bancorporation paid $0.60 per share in dividends in fiscal year 2025. This represents an increase of 7.1% from the prior year.
Richmond Mut Bancorporation had 11M shares outstanding in fiscal year 2025. This represents a decrease of 2.9% from the prior year.
Margins & Returns
Richmond Mut Bancorporation's net profit margin was 13.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.8 percentage points from the prior year.
Richmond Mut Bancorporation's ROE was 7.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.
Capital Allocation
Richmond Mut Bancorporation spent $5.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 11.7% from the prior year.
Richmond Mut Bancorporation invested $1.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 195.8% from the prior year.
RMBI Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $21.2M-3.3% | $21.9M+0.3% | $21.8M+2.2% | $21.3M+2.3% | $20.9M+1.0% | $20.7M+2.0% | $20.3M+0.9% | $20.1M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $4.6M0.0% | $4.6M+1.4% | $4.5M-5.6% | $4.8M+1.2% | $4.7M+4.2% | $4.5M-1.3% | $4.6M-2.0% | $4.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $9.7M-6.1% | $10.3M-1.6% | $10.5M-0.6% | $10.6M-0.2% | $10.6M-1.8% | $10.8M-0.2% | $10.8M+3.0% | $10.5M |
| Income Tax | $562K-19.7% | $701K+8.7% | $645K+68.6% | $382K+9.8% | $348K-24.2% | $460K+24.4% | $369K+21.1% | $305K |
| Net Income | $2.8M-18.3% | $3.4M-5.2% | $3.6M+38.2% | $2.6M+32.2% | $2.0M-20.5% | $2.5M+0.2% | $2.5M+20.0% | $2.1M |
| EPS (Diluted) | $0.28 | N/A | $0.36+38.5% | $0.26+30.0% | $0.20 | N/A | $0.24+20.0% | $0.20 |
RMBI Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B-0.4% | $1.5B0.0% | $1.5B+1.2% | $1.5B-1.0% | $1.5B+1.2% | $1.5B+0.8% | $1.5B-0.2% | $1.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $34.8M+5.0% | $33.1M-3.3% | $34.3M+25.9% | $27.2M+0.7% | $27.0M+24.2% | $21.8M+11.2% | $19.6M+2.9% | $19.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.4B-0.4% | $1.4B-0.4% | $1.4B+0.7% | $1.4B-1.2% | $1.4B+1.4% | $1.4B+1.4% | $1.4B-0.8% | $1.4B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $144.9M-0.6% | $145.8M+4.1% | $140.0M+5.8% | $132.3M+1.1% | $130.9M-1.5% | $132.9M-5.1% | $140.0M+6.8% | $131.1M |
| Retained Earnings | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
RMBI Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.8M+4.5% | $2.7M-57.5% | $6.3M+29.6% | $4.8M+122.2% | $2.2M-67.9% | $6.8M+135.7% | $2.9M-1.2% | $2.9M |
| Capital Expenditures | $325K+65.0% | $197K-57.4% | $462K-26.4% | $627K+725.9% | $76K-34.5% | $116K+1.2% | $115K+0.4% | $114K |
| Free Cash Flow | $2.5M-0.4% | $2.5M-57.5% | $5.8M+37.9% | $4.2M+100.4% | $2.1M-68.5% | $6.7M+141.3% | $2.8M-1.3% | $2.8M |
| Investing Cash Flow | $4.8M+50.0% | $3.2M+146.8% | -$6.8M-146.7% | $14.5M+220.5% | -$12.0M+36.6% | -$19.0M-274.6% | $10.9M+199.2% | -$11.0M |
| Financing Cash Flow | -$5.9M+15.7% | -$7.0M-192.3% | $7.6M+139.4% | -$19.2M-226.7% | $15.1M+5.2% | $14.4M+208.9% | -$13.2M-294.8% | $6.8M |
| Dividends Paid | $1.5M+0.6% | $1.5M+0.8% | $1.4M+0.4% | $1.4M-3.5% | $1.5M+6.3% | $1.4M-1.0% | $1.4M-1.3% | $1.4M |
| Share Buybacks | $0 | $0 | $0-100.0% | $1.4M-66.9% | $4.2M+117.5% | $1.9M+119.8% | $886K-22.1% | $1.1M |
RMBI Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 13.2%-2.4pp | 15.6%-0.9pp | 16.5%+4.3pp | 12.2%+2.8pp | 9.4%-2.6pp | 12.0%-0.2pp | 12.2%+1.9pp | 10.3% |
| Return on Equity | 1.9%-0.4pp | 2.3%-0.2pp | 2.6%+0.6pp | 2.0%+0.5pp | 1.5%-0.4pp | 1.9%+0.1pp | 1.8%+0.2pp | 1.6% |
| Return on Assets | 0.2%-0.0pp | 0.2%-0.0pp | 0.2%+0.1pp | 0.2%+0.0pp | 0.1%-0.0pp | 0.2%0.0pp | 0.2%+0.0pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.48+0.0 | 9.47-0.4 | 9.89-0.5 | 10.39-0.2 | 10.63+0.3 | 10.33+0.7 | 9.66-0.7 | 10.40 |
| FCF Margin | 11.6%+0.3pp | 11.3%-15.4pp | 26.7%+6.9pp | 19.8%+9.7pp | 10.1%-22.2pp | 32.3%+18.6pp | 13.7%-0.3pp | 14.0% |
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Frequently Asked Questions
What is Richmond Mut Bancorporation's annual revenue?
Richmond Mut Bancorporation (RMBI) reported $85.9M in total revenue for fiscal year 2025. This represents a 6.7% 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 Mut Bancorporation's revenue growing?
Richmond Mut Bancorporation (RMBI) revenue grew by 6.7% year-over-year, from $80.5M to $85.9M in fiscal year 2025.
Is Richmond Mut Bancorporation profitable?
Yes, Richmond Mut Bancorporation (RMBI) reported a net income of $11.6M in fiscal year 2025, with a net profit margin of 13.5%.
What is Richmond Mut Bancorporation's net profit margin?
Richmond Mut Bancorporation (RMBI) had a net profit margin of 13.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Richmond Mut Bancorporation pay dividends?
Yes, Richmond Mut Bancorporation (RMBI) paid $0.60 per share in dividends during fiscal year 2025.
What is Richmond Mut Bancorporation's return on equity (ROE)?
Richmond Mut Bancorporation (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 Mut Bancorporation's free cash flow?
Richmond Mut Bancorporation (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 Mut Bancorporation's operating cash flow?
Richmond Mut Bancorporation (RMBI) generated $16.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Richmond Mut Bancorporation's total assets?
Richmond Mut Bancorporation (RMBI) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Richmond Mut Bancorporation's capital expenditures?
Richmond Mut Bancorporation (RMBI) invested $1.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Richmond Mut Bancorporation's debt-to-equity ratio?
Richmond Mut Bancorporation (RMBI) had a debt-to-equity ratio of 9.47 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Richmond Mut Bancorporation's return on assets (ROA)?
Richmond Mut Bancorporation (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 Mut Bancorporation's Piotroski F-Score?
Richmond Mut Bancorporation (RMBI) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. 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.
Are Richmond Mut Bancorporation's earnings high quality?
Richmond Mut Bancorporation (RMBI) has an earnings quality ratio of 1.38x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Richmond Mut Bancorporation?
Richmond Mut Bancorporation (RMBI) scores 25 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.