Richmond Mutual Bancorporation (RMBI)
Nasdaq Market Closed
Richmond Mutual Bancorporation, Inc. is a community-focused bank holding company serving customers through its banking subsidiary in parts of Indiana and Ohio. The company’s business is centered on traditional banking activities: gathering deposits from individuals, businesses, and public-sector customers, then using those funds to originate loans and invest in securities. Its local market orientation gives it exposure to the economic conditions, real estate trends, and credit demand of the communities it serves.
The bank’s lending portfolio includes commercial real estate loans, multi-family property loans, residential mortgages, consumer loans, commercial and industrial loans, and direct financing leases. This mix reflects a balance between relationship-based business lending and household banking needs. Commercial real estate and business credit can provide attractive yields, but they also require careful underwriting because performance is tied to borrower cash flow, property values, interest rates, and local economic activity.
Richmond Mutual Bancorporation also funds its balance sheet through brokered deposits and borrowings from the Federal Home Loan Bank system when appropriate. In addition to loans, it holds investment securities such as mortgage-backed securities, agency bonds, mortgage-related instruments, and municipal bonds. These assets help manage liquidity and interest income, while also exposing the company to changes in market rates.
Its primary footprint includes Wayne and Shelby counties in Indiana and Shelby, Miami, and Franklin counties in Ohio. As a smaller regional banking institution, the company competes with large national banks, credit unions, and other community banks by emphasizing local relationships, deposit services, mortgage lending, and business banking support.
Last updated
- Market Cap
- 140.05M
- P/E
- 11.3
- P/FCF
- 9.36
- P/S
- 1.53
- Enterprise Value
- 386.35M
- Sector
- Financials
- Industry
- State Commercial Banks
- Address
- 31 N. 9TH STREET, RICHMOND, IN, 47374
Halper Sadeh LLC Encourages SEE, MOVE, RMBI Shareholders to Contact the Firm to Discuss Their Rights
Halper Sadeh LLC Encourages RPTX, THS, RMBI Shareholders to Contact the Firm to Discuss Their Rights
HAPPY THANKSGIVING AND ALERT: The M&A Class Action Firm Continues to Investigate the Merger – RMBI, THS, LEGT and NDTAF
- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 140.05M
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 386.35M
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 11.3
- P/B
P/B ratio compares a company's share price to its book value per share.
- 0.97
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 1.53
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 26.31
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 4.23
- EPS
- 1.27
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 4.15%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 9.36
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 8.45
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 14.96M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 8.55%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 0.82%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 1.77
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- —
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- —
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- —
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 51.15K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 14.32
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 22.46M | 23.4M | 23.11M | 22.43M | 22.03M |
| Gross profit | 12.74M | 13.06M | 12.59M | 11.84M | 11.42M |
| Operating income | 3.35M | 4.11M | 4.24M | 2.98M | 2.32M |
| EBITDA | 3.35M | 4.11M | 4.24M | 2.98M | 2.32M |
| Net income | 2.79M | 3.41M | 3.6M | 2.6M | 1.97M |
| Basic EPS | 0.29 | 0.36 | 0.37 | 0.27 | 0.2 |
| Diluted EPS | 0.28 | 0.35 | 0.36 | 0.26 | 0.2 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 1.52B | 1.53B | 1.53B | 1.51B | 1.52B |
| Total liabilities | 1.37B | 1.38B | 1.39B | 1.38B | 1.39B |
| Total equity | 144.91M | 145.78M | 140.04M | 132.32M | 130.93M |
| Cash & equivalents | 9.7M | 9.28M | 11.42M | 11.61M | 10.4M |
| Current assets | 299.4M | 303.77M | 301.39M | 293.7M | 300.27M |
| Current liabilities | 0 | 12M | 0 | 0 | 0 |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 2.79M | 2.67M | 6.28M | 4.84M | 2.18M |
| Investing cash flow | 4.76M | 3.17M | -6.78M | 14.51M | -12.04M |
| Financing cash flow | -5.88M | -6.97M | 7.56M | -19.18M | 15.14M |
| Change in cash | 1.67M | -1.13M | 7.05M | 179.39K | 5.27M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 4 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| form 4 | Form 4 — Blum E. Michael | View Filing | |
| form 4 | Form 4 — Blum E. Michael | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 10-Q — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 424B3 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | ARS — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | EFFECT — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | CORRESP — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | UPLOAD — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | SCHEDULE 13G/A — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | S-4 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 10-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| ten k section | 10-K — business | View Filing | |
| ten k section | 10-K — mda | View Filing | |
| ten k section | 10-K — risk_factors | View Filing | |
| edgar index | 4 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 4 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| form 4 | Form 4 — Daily William A. Jr. | View Filing | |
| form 4 | Form 4 — Daily William A. Jr. | View Filing | |
| form 4 | Form 4 — Daily William A. Jr. | View Filing | |
| form 4 | Form 4 — Daily William A. Jr. | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| form 4 | Form 4 — Daily William A. Jr. | View Filing | |
| form 4 | Form 4 — Daily William A. Jr. | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| form 4 | Form 4 — Kleer Garry D. | View Filing | |
| form 4 | Form 4 — Kleer Garry D. | View Filing | |
| form 4 | Form 4 — Kleer Garry D. | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 425 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 10-Q — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 10-Q — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 4 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 4 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 4 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| form 4 | Form 4 — Glover Bradley M. | View Filing | |
| form 4 | Form 4 — Glover Bradley M. | View Filing | |
| form 4 | Form 4 — Glover Bradley M. | View Filing | |
| form 4 | Form 4 — Glover Bradley M. | View Filing | |
| form 4 | Form 4 — Witte Paul J. | View Filing | |
| form 4 | Form 4 — Witte Paul J. | View Filing | |
| form 4 | Form 4 — Witte Paul J. | View Filing | |
| form 4 | Form 4 — Witte Paul J. | View Filing | |
| form 4 | Form 4 — Witte Paul J. | View Filing | |
| form 4 | Form 4 — Daily William A. Jr. | View Filing | |
| edgar index | 3 — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | SCHEDULE 13G — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | SCHEDULE 13G/A — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 10-Q — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | 8-K — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | DEF 14A — Richmond Mutual Bancorporation, Inc. | View Filing | |
| edgar index | ARS — Richmond Mutual Bancorporation, Inc. | View Filing |