What is Richmond Mut Bancorporation's earnings per share (EPS)?

Richmond Mut Bancorporation (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 Mut Bancorporation Financials

RMBI

Source SEC Filings (10-K/10-Q) Updated Mar 23, 2026 Currency USD FYE March

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).

Financial Health Signals

Earnings Quality Cash-Backed

1.38x

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

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Earnings & Revenue

Revenue

$85.9M

YoY+6.7%

5Y CAGR+14.9%

Richmond Mut Bancorporation generated $85.9M in revenue in fiscal year 2025. This represents an increase of 6.7% from the prior year.

EBITDA

N/A

Net Income

$11.6M

YoY+23.5%

5Y CAGR+2.9%

Richmond Mut Bancorporation reported $11.6M in net income in fiscal year 2025. This represents an increase of 23.5% from the prior year.

EPS (Diluted)

$1.17

YoY+27.2%

5Y CAGR+7.4%

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

Free Cash Flow

$14.6M

YoY+2.2%

5Y CAGR-0.1%

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.

Cash & Debt

N/A

Dividends Per Share

$0.56

YoY+0.0%

5Y CAGR+30.1%

Richmond Mut Bancorporation paid $0.56 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

11M

YoY-2.9%

5Y CAGR-4.5%

Richmond Mut Bancorporation had 11M shares outstanding in fiscal year 2025. This represents a decrease of 2.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

13.5%

YoY+1.8pp

5Y CAGR-9.9pp

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.

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

$5.6M

YoY+11.7%

5Y CAGR-9.1%

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.

Capital Expenditures

$1.4M

YoY+195.8%

5Y CAGR-6.2%

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	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$85.9M+6.7%	$80.5M+19.5%	$67.4M+30.0%	$51.9M+12.9%	$45.9M+7.2%	$42.9M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$18.5M	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$42.1M+0.6%	$41.8M+40.6%	$29.7M+191.1%	$10.2M+33.0%	$7.7M-18.2%	$9.4M
Income Tax	$2.1M+39.7%	$1.5M-1.9%	$1.5M-45.5%	$2.8M+14.3%	$2.4M-1.7%	$2.5M
Net Income	$11.6M+23.5%	$9.4M-1.2%	$9.5M-26.8%	$13.0M+16.3%	$11.1M+11.3%	$10.0M
EPS (Diluted)	$1.17+27.2%	$0.92+1.1%	$0.91-22.2%	$1.17+21.9%	$0.96+17.1%	$0.82

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$21.8M+2.2%	$21.3M+2.3%	$20.9M+1.0%	$20.7M+2.0%	$20.3M+0.9%	$20.1M+2.9%	$19.5M+5.0%	$18.6M
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$10.5M-0.6%	$10.6M-0.2%	$10.6M-1.8%	$10.8M-0.2%	$10.8M+3.0%	$10.5M+8.6%	$9.7M+4.6%	$9.3M
Income Tax	$645K+68.6%	$382K+9.8%	$348K-24.2%	$460K+24.4%	$369K+21.1%	$305K-13.4%	$352K+49.8%	$235K
Net Income	$3.6M+38.2%	$2.6M+32.2%	$2.0M-20.5%	$2.5M+0.2%	$2.5M+20.0%	$2.1M-13.0%	$2.4M+22.0%	$1.9M
EPS (Diluted)	$0.36+38.5%	$0.26+30.0%	$0.20	N/A	$0.24+20.0%	$0.20-13.0%	$0.23	N/A

RMBI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	N/A	$1.5B+3.0%	$1.5B+10.0%	$1.3B+4.8%	$1.3B+16.9%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	$21.8M+7.5%	$20.2M+27.1%	$15.9M-30.9%	$23.0M-52.8%	$48.8M
Inventory	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
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	N/A	$1.4B+3.5%	$1.3B+10.9%	$1.2B+10.0%	$1.1B+21.9%	$891.5M
Current Liabilities	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
Total Equity	N/A	$132.9M-1.5%	$134.9M+1.9%	$132.4M-26.6%	$180.5M-6.3%	$192.7M
Retained Earnings	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.5B+1.2%	$1.5B-1.0%	$1.5B+1.2%	$1.5B+0.8%	$1.5B-0.2%	$1.5B+0.5%	$1.5B+1.8%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$34.3M+25.9%	$27.2M+0.7%	$27.0M+24.2%	$21.8M+11.2%	$19.6M+2.9%	$19.0M-6.3%	$20.3M+0.2%	$20.2M
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+0.7%	$1.4B-1.2%	$1.4B+1.4%	$1.4B+1.4%	$1.4B-0.8%	$1.4B+0.6%	$1.4B+2.2%	$1.3B
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	$140.0M+5.8%	$132.3M+1.1%	$130.9M-1.5%	$132.9M-5.1%	$140.0M+6.8%	$131.1M-1.0%	$132.4M-1.8%	$134.9M
Retained Earnings	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

RMBI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$16.0M+8.2%	$14.8M+21.8%	$12.1M-33.3%	$18.2M+288.3%	-$9.6M-158.2%	$16.6M
Capital Expenditures	$1.4M+195.8%	$460K-25.7%	$619K+60.8%	$385K-33.5%	$579K-69.2%	$1.9M
Free Cash Flow	$14.6M+2.2%	$14.3M+24.3%	$11.5M-35.3%	$17.8M+273.8%	-$10.2M-169.6%	$14.7M
Investing Cash Flow	-$1.1M+97.7%	-$49.3M+59.8%	-$122.5M-5.5%	-$116.1M+45.3%	-$212.2M-137.7%	-$89.3M
Financing Cash Flow	-$3.5M-109.6%	$36.1M-68.6%	$114.7M+26.3%	$90.8M-53.7%	$196.1M+142.5%	$80.9M
Dividends Paid	$5.8M+2.4%	$5.7M-3.8%	$5.9M+34.3%	$4.4M-52.5%	$9.3M+404.5%	$1.8M
Share Buybacks	$5.6M+11.7%	$5.0M-19.3%	$6.3M-36.6%	$9.9M-17.2%	$11.9M+31.2%	$9.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$6.3M+29.6%	$4.8M+122.2%	$2.2M-67.9%	$6.8M+135.7%	$2.9M-1.2%	$2.9M+34.9%	$2.2M-42.9%	$3.8M
Capital Expenditures	$462K-26.4%	$627K+725.9%	$76K-34.5%	$116K+1.2%	$115K+0.4%	$114K-1.1%	$115K-40.4%	$194K
Free Cash Flow	$5.8M+37.9%	$4.2M+100.4%	$2.1M-68.5%	$6.7M+141.3%	$2.8M-1.3%	$2.8M+36.9%	$2.0M-43.1%	$3.6M
Investing Cash Flow	-$6.8M-146.7%	$14.5M+220.5%	-$12.0M+36.6%	-$19.0M-274.6%	$10.9M+199.2%	-$11.0M+63.7%	-$30.2M-37.8%	-$21.9M
Financing Cash Flow	$7.6M+139.4%	-$19.2M-226.7%	$15.1M+5.2%	$14.4M+208.9%	-$13.2M-294.8%	$6.8M-75.9%	$28.1M+58.5%	$17.7M
Dividends Paid	$1.4M+0.4%	$1.4M-3.5%	$1.5M+6.3%	$1.4M-1.0%	$1.4M-1.3%	$1.4M0.0%	$1.4M-0.7%	$1.4M
Share Buybacks	$0-100.0%	$1.4M-66.9%	$4.2M+117.5%	$1.9M+119.8%	$886K-22.1%	$1.1M+6.0%	$1.1M+9.8%	$976K

RMBI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	13.5%+1.8pp	11.7%-2.4pp	14.1%-10.9pp	25.0%+0.7pp	24.3%+0.9pp	23.4%
Return on Equity	N/A	7.1%+0.0pp	7.0%-2.8pp	9.8%+3.6pp	6.2%+1.0pp	5.2%
Return on Assets	N/A	0.6%-0.0pp	0.7%-0.3pp	1.0%+0.1pp	0.9%-0.0pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	N/A	10.33+0.5	9.83+0.8	9.03+3.0	6.02+1.4	4.63
FCF Margin	17.0%-0.7pp	17.8%+0.7pp	17.1%-17.2pp	34.3%+56.5pp	-22.3%-56.5pp	34.3%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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	16.5%+4.3pp	12.2%+2.8pp	9.4%-2.6pp	12.0%-0.2pp	12.2%+1.9pp	10.3%-1.9pp	12.1%+1.7pp	10.4%
Return on Equity	2.6%+0.6pp	2.0%+0.5pp	1.5%-0.4pp	1.9%+0.1pp	1.8%+0.2pp	1.6%-0.2pp	1.8%+0.3pp	1.4%
Return on Assets	0.2%+0.1pp	0.2%+0.0pp	0.1%-0.0pp	0.2%0.0pp	0.2%+0.0pp	0.1%-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	9.89-0.5	10.39-0.2	10.63+0.3	10.33+0.7	9.66-0.7	10.40+0.2	10.24+0.4	9.83
FCF Margin	26.7%+6.9pp	19.8%+9.7pp	10.1%-22.2pp	32.3%+18.6pp	13.7%-0.3pp	14.0%+3.5pp	10.5%-8.9pp	19.4%

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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 $0.56 per share in dividends during fiscal year 2025.

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 capital expenditures?

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

Does Richmond Mut Bancorporation buy back shares?

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

How many shares does Richmond Mut Bancorporation have outstanding?

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

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.