Richmond Mutual Bancorporation Inc.

RMBI | NASDAQ

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$15.85

+$0.06 (+0.38%)

At close: Sep 21, 2026, 4:00 PM ET

$15.85

$0 (0.00%)

After-hours: Sep 21, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $253.18M

Enterprise Value $482.57M

Beta 0.31

Average Volume 54.4K

Shares Outstanding (Diluted) 9.89M

Shares Change YoY -0.77%

Institutional Ownership 24.16%

Exchange NASDAQ

ISIN US76525P1003

Price Performance

Price Change 1M -1.1%

Price Change 3M 4.1%

Price Change 6M 17.9%

Price Change YTD 13.1%

Price Change 1Y 8.1%

Price Change 3Y 39.3%

Price Change 5Y 3.3%

1M CAGR (ann.) 0.1%

1Y CAGR (ann.) 14.1%

5Y CAGR (ann.) 4.8%

All-Time CAGR 5.8%

Valuation

PE Ratio 12.99

Forward PE N/A

PEG Ratio 0.46

Forward PEG 0.46

PS Ratio 2.95

Forward PS N/A

PB Ratio 0.98

P/FCF Ratio 16.98

P/Adj. FCF Ratio 18.58

P/OCF Ratio 10.43

EV/Sales 5.60

EV/EBIT 55.08

EV/EBITDA 50.20

EV/FCF 32.25

Earnings Yield 7.7%

FCF Yield 5.9%

Adj. FCF Yield 5.4%

Financial Health

Net Debt $228.42M

Total Debt $253.64M

Cash & Short-Term Investments $25.21M

Total Assets $1.25B

Current Ratio 0.25

Quick Ratio 0.25

Debt / Equity Ratio 1.65

Debt / EBITDA 26.39

Debt / FCF 16.95

OCF / Debt 0.07

Interest Coverage 0.37

Altman Z-Score -0.58

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 54.4%

Operating Profit Margin 10.2%

EBITDA Margin 27.5%

Net Profit Margin 13.0%

FCF Margin 17.4%

Adj. FCF Margin 15.9%

SBC / Revenue 1.1%

SBC Impact (per share) -8.6%

Returns

Return on Assets 0.8%

Return on Equity 8.3%

Return on Invested Capital 3.1%

Return on Capital Employed 3.7%

Return on Tangible Assets 0.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 10.7%

Revenue CAGR 5Y 11.2%

Revenue CAGR 10Y N/A

EPS CAGR 3Y 2.6%

EPS CAGR 5Y 6.8%

EPS CAGR 10Y N/A

FCF CAGR 3Y -5.0%

FCF CAGR 5Y 14.7%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $20.49

Graham Upside 29.3%

Lynch Fair Value $8.23

Lynch Upside -48.1%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $16.57M

Free Cash Flow $14.96M

Adj. Free Cash Flow $13.68M

FCF Per Share $1.39

OCF Per Share $1.52

OCF/S Ratio 16.0%

Income Statement

Revenue $86.17M

Gross Profit $44.22M

Operating Income $8.76M

EBITDA $9.61M

Net Income $12.02M

EPS (Diluted) $1.22

Revenue / Employee $478.7K

Profit / Employee $66.77K

Employees 180

Dividends

Annual Dividend $0.60

Dividend Yield 3.79%

Payout Ratio 49.2%

FCF Payout Ratio 38.8%

Adj. FCF Payout Ratio 42.5%

Dividend Growth (YoY) 1.7%

Pay Frequency Quarterly

Ex-Dividend Date Sep 2, 2026