Richmond Mutual Bancorporation, Inc.

RMBI

Richmond Mutual Bancorporation, Inc.

RMBI

Insider Sentiment (TTM):

Last Purchase:2026-06-01Last Sale:-Shares Purchased (TTM):1,997.36Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:2,333,689Shares Outstanding:10,501,260Institutional Ownership Pct.:22.22%

Earnings Market Reaction:

Filing Date:2026-08-13Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	12	10	9	11	12	10	9	9	8	8	9	9
Interest Bearing Deposits In Banks	23	25	24	23	16	17	13	11	11	12	12	12
Cash And Cash Equivalents At Carrying Value	35	35	33	34	27	27	22	20	19	20	20	21
Debt Securities Available For Sale Excluding Accru…	245	246	252	250	249	256	258	267	267	276	283	264
Debt Securities Held To Maturity Excluding Accrued…	2	2	3	3	3	3	3	4	5	5	5	5
Assets
Assets	1,552	1,519	1,526	1,526	1,508	1,523	1,505	1,493	1,495	1,488	1,461	1,423
Loans Receivable Held For Sale Net Not Part Of Dis…	0	1	1	1	0	0	1	0	0	0	1	1
Financing Receivable Excluding Accrued Interest Af…	-	1,174	1,177	1,178	1,168	1,176	1,159	1,141	1,141	1,123	1,090	1,067
Property Plant And Equipment Net	14	13	13	13	13	13	13	13	13	13	13	13
Federal Home Loan Bank Stock	14	14	14	14	14	14	14	14	14	14	13	11
Interest Receivable	6	6	6	6	6	6	6	6	6	6	6	5
Servicing Asset	2	2	2	2	2	2	2	2	2	2	2	2
Cash Surrender Value Of Life Insurance	4	4	4	4	4	4	4	4	4	4	4	4
Other Assets	19	19	19	19	21	22	22	22	24	24	25	30
Noninterest Bearing Deposit Liabilities	100	99	100	111	106	103	110	99	103	109	114	116
Interest Bearing Deposit Liabilities	1,047	1,007	1,015	1,007	990	1,002	984	991	997	961	927	938
Deposits	1,147	1,106	1,115	1,118	1,096	1,106	1,094	1,089	1,100	1,070	1,041	1,054
Liabilities
Liabilities	1,404	1,374	1,380	1,386	1,375	1,392	1,372	1,353	1,364	1,355	1,326	1,304
Federal Home Loan Bank Advances Long Term	244	256	240	254	267	274	265	252	252	273	271	238
Other Borrowings	0	0	12	-	-	-	0	-	-	-	-	-
Advance Payments By Borrowers For Taxes And Insura…	1	1	1	1	1	1	1	1	1	1	1	1
Interest And Dividends Payable Current	3	3	3	3	4	4	5	3	4	4	4	4
Other Liabilities	9	9	9	10	8	8	8	7	7	8	9	8
Commitments And Contingencies	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	93	93	93	93	93	94	98	99	100	101	101	102
Stockholders Equity
Retained Earnings Appropriated	99	99	97	95	93	92	92	91	89	89	88	88
Stockholders Equity	148	145	146	140	132	131	133	140	131	132	135	119
Unearned E S O P Shares	-10	-10	-10	-10	-10	-11	-11	-11	-11	-11	-11	-12
Accumulated Other Comprehensive Income Loss Net Of…	-35	-37	-35	-38	-43	-45	-46	-39	-47	-46	-43	-60
Liabilities And Stockholders Equity	1,552	1,519	1,526	1,526	1,508	1,523	1,505	1,493	1,495	1,488	1,461	1,423
Financing Receivable Allowance For Credit Loss Exc…	-	17	16	16	16	16	16	16	16	16	16	15
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	90	90	90	90	90	90	90	90	90	90	90	90
Common Stock Shares Issued	11	11	11	10	10	10	11	11	11	11	11	11
Shares Outstanding	11	11	11	10	10	10	11	11	11	11	11	11

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.07%	5.34%	7.84%	-	-	-	-	-	-	-	-	-
2025	-5.43%	-2.96%	3.11%	5.49%	2.91%	-3.58%	4.76%	7.68%	7.83%	6.59%	2.71%	10.14%
2024	4.08%	4.35%	8.92%	2.94%	6.32%	7.22%	11.36%	0.72%	8.80%	-1.82%	7.73%	4.69%
2023	-	-	-	-	-	-	12.67%	5.52%	10.35%	-	-	-
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.69	-0.67	-0.69	-0.70	-0.73	-0.73	-0.22	0.26	0.74	1.30	1.37	1.53
Per Share Metrics
Diluted EPS TTM	1.21	1.26	1.17	1.08	0.97	0.89	0.92	0.87	0.82	0.88	0.91	1.04
Free Cash Flow Per Share TTM	1.24	1.42	1.39	1.60	1.31	1.34	1.30	1.02	0.93	0.90	1.00	0.99
Dividend Per Share TTM	0.56	0.56	0.57	0.42	0.42	0.54	0.52	0.52	0.52	0.52	0.52	0.49
Margin Metrics
Gross Profit Margin TTM	53.43%	52.24%	51.04%	49.80%	48.49%	47.79%	48.07%	41.88%	43.05%	45.03%	47.98%	61.55%
Operating Profit Margin TTM	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Profit Margin TTM	13.85%	14.38%	13.48%	12.57%	11.45%	10.96%	11.65%	11.27%	11.01%	12.48%	14.07%	17.19%
Growth Metrics
Net Revenue Growth (1Y)	4.34%	5.27%	6.68%	7.98%	9.99%	14.16%	19.46%	24.25%	28.37%	30.16%	29.99%	27.30%
Net Income Growth (1Y)	26.27%	38.07%	23.45%	20.35%	14.40%	0.28%	-1.15%	-18.49%	-31.00%	-30.35%	-26.83%	-12.36%
EPS Growth (1Y)	25.23%	40.85%	29.63%	26.89%	21.50%	4.56%	2.97%	-15.40%	-27.98%	-26.68%	-23.56%	-9.13%
Valuation Metrics
P/E TTM	13.88	11.38	12.47	13.48	14.48	14.48	15.59	14.87	14.32	12.58	12.48	10.36
P/B TTM	1.12	0.97	0.99	1.02	1.04	0.99	1.10	0.94	0.91	0.85	0.88	0.95
P/S TTM	1.92	1.64	1.68	1.69	1.66	1.59	1.81	1.68	1.58	1.57	1.76	1.78
Market Cap	166.78M	141.05M	144.39M	143.47M	137.84M	129.99M	146.15M	131.49M	119.16M	112.60M	118.41M	112.44M
Enterprise Value	132.06M	106.25M	111.26M	109.20M	110.63M	102.96M	124.39M	111.91M	100.14M	92.31M	98.17M	91.79M
Calculated Values
Free Cash Flow TTM	13.06M	14.96M	14.61M	16.71M	13.66M	14.35M	14.29M	11.21M	10.32M	10.04M	11.49M	11.31M
Net Debt	-34.72M	-34.80M	-33.13M	-34.26M	-27.21M	-27.03M	-21.76M	-19.57M	-19.02M	-20.29M	-20.24M	-20.65M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-01Purchase

Owner: Blum, E. Michael

Title: -

Shares: 1,500

Price/Share: $14.36

Value: $21,540.00

Shares Owned: 44,185

Relationship: Director

Ownership: Direct

2026-02-19Purchase

Owner: Daily, William A. Jr.

Title: Market President (West Ohio)

Shares: 213

Price/Share: $14.10

Value: $3,000.34

Shares Owned: 845

Relationship: Officer

Ownership: Direct

2026-01-28Purchase

Owner: Daily, William A. Jr.

Title: Market President (West Ohio)

Shares: 285

Price/Share: $14.06

Value: $4,001.05

Shares Owned: 285

Relationship: Officer

Ownership: Direct

2024-08-26Purchase

Owner: Blum, E. Michael

Title: -

Shares: 3,000

Price/Share: $12.63

Value: $37,890.00

Shares Owned: 41,685

Relationship: Director

Ownership: Direct

2024-05-02Purchase

Owner: Wetzel, M. Lynn

Title: -

Shares: 450

Price/Share: $11.03

Value: $4,963.50

Shares Owned: 62,074

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-01	Blum, E. Michael	Director	-	Direct	Purchase	1,500	14.36	$21,540.00	44,185	4
2026-02-19	Daily, William A. Jr.	Officer	Market President (West Ohio)	Direct	Purchase	213	14.10	$3,000.34	845	4
2026-01-28	Daily, William A. Jr.	Officer	Market President (West Ohio)	Direct	Purchase	285	14.06	$4,001.05	285	4
2024-08-26	Blum, E. Michael	Director	-	Direct	Purchase	3,000	12.63	$37,890.00	41,685	5
2024-05-02	Wetzel, M. Lynn	Director	-	Direct	Purchase	450	11.03	$4,963.50	62,074	4
2024-02-07	Jackson, Jeffrey A.	Director	-	Direct	Purchase	1,000	10.51	$10,510.00	46,625	4
2023-10-24	Blum, E. Michael	Director	-	Direct	Purchase	1,100	10.21	$11,231.00	38,685	4
2023-10-24	Wetzel, M. Lynn	Director	-	Direct	Purchase	7,850	10.02	$78,657.00	60,824	4
2023-10-24	Hanley, Harold T. Iii	Director	-	Direct	Purchase	5,202	9.70	$50,459.40	32,787	4
2023-10-24	Jackson, Jeffrey A.	Director	-	Direct	Purchase	1,140	9.80	$11,172.00	45,625	4
2023-10-24	Girten, Kathryn	Director	-	Indirect	Purchase	1,100	9.86	$10,846.00	6,000	4
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Institutional Ownership

No data available for chart

2026-03-31

22.22%

Inst. Shares: 2,333,689

Shares Outstanding: 10,501,260

2025-12-31

22.00%

Inst. Shares: 2,310,041

Shares Outstanding: 10,502,458

2025-09-30

22.41%

Inst. Shares: 2,335,030

Shares Outstanding: 10,420,613

2025-06-30

21.69%

Inst. Shares: 2,259,661

Shares Outstanding: 10,416,086

2025-03-31

18.97%

Inst. Shares: 2,032,696

Shares Outstanding: 10,712,912

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	2,333,689	10,501,260	22.22%
2025-12-31	2,310,041	10,502,458	22.00%
2025-09-30	2,335,030	10,420,613	22.41%
2025-06-30	2,259,661	10,416,086	21.69%
2025-03-31	2,032,696	10,712,912	18.97%
2024-12-31	2,418,201	11,028,029	21.93%
2024-09-30	2,230,478	10,986,327	20.30%
2023-06-30	1,647,873	11,546,999	14.27%
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Richmond Mutual Bancorporation, Inc. (RMBI) — SEC Financial Statements & Analysis

Richmond Mutual Bancorporation, Inc. (RMBI) is a state commercial banks company. Richmond Mutual Bancorporation, Inc. trades on Nasdaq as: RMBI. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Richmond Mutual Bancorporation, Inc. reported a 4.34% year-over-year revenue growth, a Gross Profit Margin of 53.43% (TTM), a Price-to-Sales (P/S) ratio of 1.92x (TTM), a Price-to-Book (P/B) ratio of 1.12x (TTM), at a market cap of $166.78M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 4.34%
Gross Profit Margin TTM: 53.43%
P/S TTM: 1.92x
P/B TTM: 1.12x
Market Cap: $166.78M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Richmond Mutual Bancorporation, Inc. in?

Richmond Mutual Bancorporation, Inc. (RMBI) operates in the State Commercial Banks industry.

What is RMBI's market cap?

Richmond Mutual Bancorporation, Inc. (RMBI) has a market capitalization of $166.78M as of 2026-06-30.

What is RMBI's P/E ratio?

Richmond Mutual Bancorporation, Inc. (RMBI)'s trailing twelve month P/E ratio is 13.88x as of 2026-06-30.

What exchange does RMBI trade on?

Richmond Mutual Bancorporation, Inc. (RMBI) trades on the Nasdaq.