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Richmond mutual bancorporation, inc.RMBI.US Overview

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RMBI Recent Performance

2.44%

Richmond mutual bancorporation, inc.

1.79%

Avg of Sector

-0.31%

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RMBI Key Information

RMBI Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

RMBI Profile

Richmond Mutual Bancorporation, Inc. operates as a 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, residential real estate loans, 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. It operates through 12 full service and one limited-service banking offices with seven full-service and one limited-service offices located in Indiana; five offices situated in Ohio; one full-service banking office and four other branch offices are located in Richmond, Indiana; two other offices in Cambridge City, Centerville, Richmond, and Shelbyville, Indiana; two offices in Sidney and Ohio; two offices in Piqua and one office in Troy, Ohio; and a loan production office in Columbus, Ohio. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.

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RMBI FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

RMBI Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.19
PE Ratio (TTM)
11.54
Forward PE
-
PS Ratio (TTM)
2.80
PB Ratio
0.97
Price-to-FCF
7.47
METRIC
VALUE
vs. INDUSTRY
Gross Margin
82.01%
Net Margin
20.13%
Revenue Growth (YoY)
34.01%
Profit Growth (YoY)
9.90%
3-Year Revenue Growth
25.23%
3-Year Profit Growth
3.10%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.19
PE Ratio (TTM)
11.54
Forward PE
-
PS Ratio (TTM)
2.80
PB Ratio
0.97
Price-to-FCF
7.47
Gross Margin
82.01%
Net Margin
20.13%
Revenue Growth (YoY)
34.01%
Profit Growth (YoY)
9.90%
3-Year Revenue Growth
25.23%
3-Year Profit Growth
3.10%
  • When is RMBI's latest earnings report released?

    The most recent financial report for Richmond mutual bancorporation, inc. (RMBI) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating RMBI's short-term business performance and financial health. For the latest updates on RMBI's earnings releases, visit this page regularly.

  • Where does RMBI fall in the P/E River chart?

    According to historical valuation range analysis, Richmond mutual bancorporation, inc. (RMBI)'s current price-to-earnings (P/E) ratio is 9.94, placing it in the Reasonable zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of RMBI?

    According to the latest financial report, Richmond mutual bancorporation, inc. (RMBI) reported an Operating Profit of 4.52M with an Operating Margin of 19.31% this period, representing a growth of 51.51% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is RMBI's revenue growth?

    In the latest financial report, Richmond mutual bancorporation, inc. (RMBI) announced revenue of 23.4M, with a Year-Over-Year growth rate of 115.45%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does RMBI have?

    At the end of the period, Richmond mutual bancorporation, inc. (RMBI) held Total Cash and Cash Equivalents of 26.01M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does RMBI go with three margins increasing?

    In the latest report, Richmond mutual bancorporation, inc. (RMBI) achieved the “three margins increasing” benchmark, with a gross margin of 55.79%%, operating margin of 19.31%%, and net margin of 14.57%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess RMBI's profit trajectory and future growth potential.

  • Is RMBI's EPS continuing to grow?

    According to the past four quarterly reports, Richmond mutual bancorporation, inc. (RMBI)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.35. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of RMBI?

    Richmond mutual bancorporation, inc. (RMBI)'s Free Cash Flow (FCF) for the period is 5.82M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 110.18% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of RMBI?

    The latest valuation data shows Richmond mutual bancorporation, inc. (RMBI) has a Price-To-Earnings (PE) ratio of 9.94 and a Price/Earnings-To-Growth (PEG) ratio of -1.84. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.