Symbols / RMBI Stock $14.70 -1.21% Richmond Mutual Bancorporation, Inc.

Financial Services • Banks - Regional • United States • NCM
RMBI (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Garry D. Kleer
Exch · Country NCM · United States
Market Cap 143.76M
Enterprise Value 360.85M
Income 12.39M
Sales 48.12M
FCF (ttm) —
Book/sh 14.95
Cash/sh 3.88
Employees 173
Insider 10d —
IPO Jul 02, 2019
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 48.00%
P/E 11.76
Forward P/E —
PEG —
P/S 2.99
P/B 0.98
P/C —
EV/EBITDA —
EV/Sales 7.50
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.25
EPS next Y —
EPS Growth 40.00%
Revenue Growth 12.70%
EPS Gr Q/Q 41.50%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) —
ROA 0.81%
ROE 8.99%
ROIC —
Gross Margin 0.00%
Oper. Margin 30.25%
Profit Margin 25.76%
Shs Outstand 9.78M
Shs Float 7.36M
Insider Own 21.16%
Instit Own 24.21%
Short Float 1.88%
Short Ratio 2.86
Short Interest 153.55K
52W High 16.04
vs 52W High -8.33%
52W Low 12.77
vs 52W Low 15.11%
Beta 0.32
Impl. Vol. —
Rel Volume 0.35
Avg Volume 39.33K
Volume 13.65K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $14.88
Price $14.70
Change -1.21%
About

Richmond Mutual Bancorporation, Inc. operates as the bank holding company for First Bank Richmond that provides various banking services. The company accepts various deposits, including savings deposit accounts, money market accounts, NOW and demand accounts, and certificates of deposit. It also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, and residential real estate loans, including home equity loans, lines of credits, and consumer loans. In addition, the company engages in the lease financing business; and provision of fee-based financial services comprising trust and estate administration, investment management, retirement plan administration, and private banking services. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$14.70
Latest analyst target
3. DCF / Fair value
$18.75
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$14.70
Low
—
High
—
Mean
—
News
RSS: Latest RMBI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-06-02 BLUM E MICHAEL Director — 3,500 $10.53 $36,855
2026-06-01 BLUM E MICHAEL Director — 1,500 $14.36 $21,532
2026-02-19 DAILY WILLIAM A JR Officer — 347 $14.40 $5,000
2026-02-19 DAILY WILLIAM A JR Officer — 212 $14.10 $3,000
2026-01-28 DAILY WILLIAM A JR Officer — 284 $14.06 $4,001
2025-11-20 KLEER GARRY D Chief Executive Officer — 51,253 $0.00 $0
2025-07-15 WITTE PAUL J President — 7,947 $0.00 $0
2025-07-15 GLOVER BRADLEY M. Chief Financial Officer — 24,179 $0.00 $0
2024-08-26 BLUM E MICHAEL Director — 4,000 $11.57 $49,460
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
48.76
+12.78%
43.23
+2.77%
42.07
-9.27%
46.37
Operating Revenue
48.76
+12.78%
43.23
+2.77%
42.07
-9.27%
46.37
Selling General And Administration
20.17
-0.42%
20.26
+6.68%
18.99
-2.29%
19.43
Selling And Marketing Expense
0.43
+14.55%
0.38
-1.99%
0.39
-16.11%
0.46
General And Administrative Expense
19.74
-0.71%
19.88
+6.86%
18.60
-1.95%
18.97
Salaries And Wages
18.54
+1.07%
18.35
+5.22%
17.44
-5.63%
18.48
Other Gand A
—
—
—
0.19
Reconciled Depreciation
1.10
+5.50%
1.04
-12.33%
1.19
-7.63%
1.29
Net Income
11.58
+23.45%
9.38
-1.15%
9.49
-26.83%
12.97
Pretax Income
13.65
+25.68%
10.86
-1.26%
11.00
-30.14%
15.75
Net Interest Income
43.85
+13.28%
38.71
+2.77%
37.66
-9.55%
41.64
Interest Expense
42.06
+0.58%
41.82
+40.58%
29.75
+191.09%
10.22
Interest Income
85.91
+6.68%
80.53
+19.46%
67.41
+29.99%
51.86
Gain On Sale Of Security
-0.16
-207.78%
-0.05
0.00
0.00
Tax Provision
2.08
+39.69%
1.49
-1.95%
1.52
-45.54%
2.78
Tax Rate For Calcs
0.00
+10.95%
0.00
-0.72%
0.00
-22.03%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
11.58
+23.45%
9.38
-1.15%
9.49
-26.83%
12.97
Net Income From Continuing Operation Net Minority Interest
11.58
+23.45%
9.38
-1.15%
9.49
-26.83%
12.97
Net Income From Continuing And Discontinued Operation
11.58
+23.45%
9.38
-1.15%
9.49
-26.83%
12.97
Net Income Continuous Operations
11.58
+23.45%
9.38
-1.15%
9.49
-26.83%
12.97
Normalized Income
11.58
+23.45%
9.38
-1.15%
9.49
-26.83%
12.97
Net Income Common Stockholders
11.58
+23.45%
9.38
-1.15%
9.49
-26.83%
12.97
Diluted EPS
1.17
+27.17%
0.92
+1.10%
0.91
-22.22%
1.17
Basic EPS
1.20
+29.03%
0.93
+2.20%
0.91
-24.17%
1.20
Basic Average Shares
9.67
-4.08%
10.08
-3.03%
10.40
-3.44%
10.77
Diluted Average Shares
9.90
-3.21%
10.23
-2.12%
10.45
-5.49%
11.06
Diluted NI Availto Com Stockholders
11.58
+23.45%
9.38
-1.15%
9.49
-26.83%
12.97
Insurance And Claims
1.19
-21.99%
1.53
+31.59%
1.16
+135.44%
0.49
Occupancy And Equipment
2.46
+7.67%
2.28
-7.31%
2.46
-8.63%
2.69
Other Non Interest Expense
8.49
+13.73%
7.46
-0.35%
7.49
+15.67%
6.47
Professional Expense And Contract Services Expense
1.84
+0.97%
1.82
+13.99%
1.60
+12.54%
1.42
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
1,525.79
+1.39%
1,504.87
+3.00%
1,461.02
Cash And Cash Equivalents
35.20
+59.59%
22.06
+8.98%
20.24
Cash Financial
9.28
+3.21%
8.99
+4.76%
8.58
Other Short Term Investments
251.92
-2.43%
258.19
-8.67%
282.69
Receivables
152.11
-1.31%
154.13
-3.96%
160.49
Accounts Receivable
6.30
+4.48%
6.03
+3.19%
5.84
Other Receivables
145.81
-1.55%
148.10
-4.23%
154.64
Net PPE
13.40
+3.68%
12.92
-2.93%
13.31
Gross PPE
29.98
+4.71%
28.64
+1.55%
28.20
Accumulated Depreciation
-16.59
-5.56%
-15.71
-5.56%
-14.89
Land And Improvements
3.06
+0.00%
3.06
+0.00%
3.06
Buildings And Improvements
16.18
+3.05%
15.71
+0.15%
15.68
Machinery Furniture Equipment
10.02
+7.04%
9.36
+5.65%
8.86
Construction In Progress
0.72
+41.50%
0.51
-14.81%
0.59
Goodwill And Other Intangible Assets
1.88
-3.44%
1.95
+0.26%
1.95
Other Intangible Assets
1.88
-3.44%
1.95
+0.26%
1.95
Investments And Advances
254.66
-2.68%
261.69
-9.02%
287.64
Total Liabilities Net Minority Interest
1,380.01
+0.58%
1,372.00
+3.46%
1,326.16
Payables And Accrued Expenses
3.46
-28.45%
4.83
+9.89%
4.40
Payables
3.46
-28.45%
4.83
+9.89%
4.40
Accounts Payable
3.46
-28.45%
4.83
+9.89%
4.40
Employee Benefits
—
—
—
Long Term Debt And Capital Lease Obligation
252.00
-4.91%
265.00
-2.21%
271.00
Long Term Debt
252.00
-4.91%
265.00
-2.21%
271.00
Non Current Pension And Other Postretirement Benefit Plans
—
—
—
Stockholders Equity
145.78
+9.72%
132.87
-1.47%
134.86
Common Stock Equity
145.78
+9.72%
132.87
-1.47%
134.86
Capital Stock
0.11
-2.90%
0.11
-3.51%
0.11
Common Stock
0.11
-2.90%
0.11
-3.51%
0.11
Share Issued
10.50
-2.90%
10.81
-3.51%
11.21
Ordinary Shares Number
9.77
-2.59%
10.03
-3.27%
10.37
Treasury Shares Number
0.73
-6.86%
0.79
-6.42%
0.84
Additional Paid In Capital
92.90
-4.92%
97.71
-3.59%
101.35
Retained Earnings
97.32
+6.27%
91.58
+4.19%
87.90
Gains Losses Not Affecting Retained Earnings
-34.56
+24.55%
-45.81
-6.41%
-43.05
Other Equity Adjustments
-34.56
+24.55%
-45.81
-6.41%
-43.05
Total Equity Gross Minority Interest
145.78
+9.72%
132.87
-1.47%
134.86
Total Capitalization
397.78
-0.02%
397.87
-1.97%
405.86
Invested Capital
397.78
-0.02%
397.87
-1.97%
405.86
Total Debt
252.00
-4.91%
265.00
-2.21%
271.00
Net Debt
216.80
-10.76%
242.94
-3.12%
250.76
Net Tangible Assets
143.90
+9.91%
130.92
-1.50%
132.91
Tangible Book Value
143.90
+9.91%
130.92
-1.50%
132.91
Available For Sale Securities
—
253.17
—
Cash Cash Equivalents And Federal Funds Sold
35.20
+59.59%
22.06
+8.98%
20.24
Held To Maturity Securities
2.75
-21.44%
3.50
-29.33%
4.95
Other Equity Interest
-9.99
+6.86%
-10.72
+6.42%
-11.46
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
15.97
+8.25%
14.75
+21.78%
12.11
-33.29%
18.16
Cash Flow From Continuing Operating Activities
15.97
+8.25%
14.75
+21.78%
12.11
-33.29%
18.16
Net Income From Continuing Operations
11.58
+23.45%
9.38
-1.15%
9.49
-26.83%
12.97
Depreciation Amortization Depletion
1.10
+5.50%
1.04
-12.33%
1.19
-7.63%
1.29
Depreciation
0.89
+4.89%
0.85
-12.87%
0.98
-8.26%
1.06
Amortization Cash Flow
0.21
+8.19%
0.19
-9.86%
0.21
-4.63%
0.22
Depreciation And Amortization
1.10
+5.50%
1.04
-12.33%
1.19
-7.63%
1.29
Amortization Of Intangibles
0.21
+8.19%
0.19
-9.86%
0.21
-4.63%
0.22
Other Non Cash Items
-1.25
-126.61%
-0.55
+22.41%
-0.71
+58.28%
-1.71
Pension And Employee Benefit Expense
—
—
—
0.00
Stock Based Compensation
1.55
-27.22%
2.14
-4.63%
2.24
-4.22%
2.34
Deferred Tax
-0.11
-172.30%
0.16
-75.31%
0.64
-38.05%
1.03
Deferred Income Tax
-0.11
-172.30%
0.16
-75.31%
0.64
-38.05%
1.03
Operating Gains Losses
-0.26
+49.43%
-0.51
+1.89%
-0.52
+18.71%
-0.64
Gain Loss On Investment Securities
0.16
+207.78%
0.05
0.00
0.00
Gain Loss On Sale Of PPE
-0.00
+25.00%
-0.01
-233.33%
-0.00
0.00
Change In Working Capital
0.45
-71.70%
1.61
+185.58%
-1.88
-355.98%
0.73
Change In Receivables
-0.27
-44.89%
-0.19
+83.56%
-1.13
-118.92%
-0.52
Changes In Account Receivables
-0.27
-44.89%
-0.19
+83.56%
-1.13
-118.92%
-0.52
Change In Payables And Accrued Expense
-1.37
-416.23%
0.43
-85.64%
3.03
+172.43%
1.11
Change In Payable
-1.37
-416.23%
0.43
-85.64%
3.03
+172.43%
1.11
Change In Account Payable
-1.37
-416.23%
0.43
-85.64%
3.03
+172.43%
1.11
Change In Other Current Assets
0.73
-73.44%
2.76
+238.79%
-1.99
+6.19%
-2.12
Change In Other Current Liabilities
1.37
+197.82%
-1.40
+21.75%
-1.79
-179.13%
2.26
Investing Cash Flow
-1.14
+97.69%
-49.30
+59.77%
-122.53
-5.52%
-116.12
Cash Flow From Continuing Investing Activities
-1.14
+97.69%
-49.30
+59.77%
-122.53
-5.52%
-116.12
Net PPE Purchase And Sale
-1.36
-199.72%
-0.45
+26.41%
-0.62
-60.32%
-0.39
Purchase Of PPE
-1.36
-195.82%
-0.46
+25.65%
-0.62
-60.79%
-0.39
Sale Of PPE
0.00
-100.00%
0.01
+233.33%
0.00
0.00
Capital Expenditure
-1.36
-195.82%
-0.46
+25.65%
-0.62
-60.79%
-0.39
Net Investment Purchase And Sale
20.35
-5.16%
21.46
+90.13%
11.29
-5.99%
12.01
Purchase Of Investment
-5.70
+23.98%
-7.50
+33.28%
-11.24
+50.11%
-22.53
Sale Of Investment
26.06
-10.03%
28.96
+28.55%
22.53
-34.77%
34.54
Net Other Investing Changes
0.04
+103.83%
-1.13
+34.62%
-1.74
-1437.88%
0.13
Financing Cash Flow
-3.46
-109.58%
36.06
-68.57%
114.74
+26.29%
90.85
Cash Flow From Continuing Financing Activities
-3.46
-109.58%
36.06
-68.57%
114.74
+26.29%
90.85
Net Issuance Payments Of Debt
-13.00
-116.67%
-6.00
-106.59%
91.00
0.00
Issuance Of Debt
296.00
+2.60%
288.50
-46.72%
541.50
+65.34%
327.50
Repayment Of Debt
-309.00
-4.92%
-294.50
+34.63%
-450.50
-37.56%
-327.50
Long Term Debt Issuance
296.00
+2.60%
288.50
-46.72%
541.50
+65.34%
327.50
Long Term Debt Payments
-309.00
-4.92%
-294.50
+34.63%
-450.50
-37.56%
-327.50
Net Long Term Debt Issuance
-13.00
-116.67%
-6.00
-106.59%
91.00
0.00
Net Common Stock Issuance
-5.63
-11.74%
-5.04
+19.34%
-6.25
+36.60%
-9.86
Common Stock Payments
-5.63
-11.74%
-5.04
+19.34%
-6.25
+36.60%
-9.86
Common Stock Dividend Paid
-5.84
-2.42%
-5.70
+3.78%
-5.92
-34.34%
-4.41
Cash Dividends Paid
-5.84
-2.42%
-5.70
+3.78%
-5.92
-34.34%
-4.41
Repurchase Of Capital Stock
-5.63
-11.74%
-5.04
+19.34%
-6.25
+36.60%
-9.86
Proceeds From Stock Option Exercised
-0.00
+66.67%
-0.00
0.00
0.00
Net Other Financing Charges
0.06
+2812.72%
0.00
-92.66%
0.03
-3.40%
0.03
Changes In Cash
11.37
+649.69%
1.52
-64.87%
4.32
+160.68%
-7.12
Beginning Cash Position
21.76
+7.50%
20.24
+27.12%
15.92
-30.89%
23.04
End Cash Position
33.13
+52.27%
21.76
+7.50%
20.24
+27.12%
15.92
Free Cash Flow
14.61
+2.21%
14.29
+24.33%
11.49
-35.33%
17.78
Interest Paid Supplemental Data
43.44
+4.96%
41.38
+54.88%
26.72
+193.37%
9.11
Income Tax Paid Supplemental Data
1.34
—
2.05
-5.99%
2.18
Amortization Of Securities
0.75
-19.98%
0.94
-16.97%
1.14
-26.54%
1.55
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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