Richmond Mutual Bancorporation Inc (RMBI)
NASDAQ:RMBI
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RMBI Stock Chart & Stats
$13.96
-$0.32(-2.41%)
At close: 4:00 PM EST
$13.96
-$0.32(-2.41%)
Day’s Range― - ―
52-Week Range$12.77 - $16.04
Previous CloseN/A
Volume20.22K
Average Volume (3M)17.52K
Market Cap
$150.38M
Enterprise Value-$9.30B
Total Cash (Recent Filing)$255.22B
Total Debt (Recent Filing)$256.00M
Price to Earnings (P/E)11.3
Beta0.55
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.29%
Share Statistics
EPS (TTM)1.28
Shares Outstanding10,501,260
10 Day Avg. Volume23,004
30 Day Avg. Volume17,515
Financial Highlights & Ratios
PEG Ratio0.40
Price to Book (P/B)0.93
Price to Sales (P/S)1.49
P/FCF Ratio9.28
Enterprise Value/Market Cap-61.86
Enterprise Value/Revenue-101.85
Enterprise Value/Gross Profit-191.98
Enterprise Value/Ebitda-594.71
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue & Margin RecoveryA large TTM revenue rebound and restored operating/net margins signal meaningful recovery in core banking operations. Durable top-line strength plus mid-teens EBIT margins support sustainable internal cash generation, loan funding capacity and reinvestment, improving earnings resiliency over months.
Cash Generation QualityFirms whose free cash flow closely follows net income exhibit higher earnings quality. Richmond Mutual's near-parity FCF supports dividend sustainability, funds organic growth and merger integration needs, and provides a durable buffer against credit-cycle variability.
Strategic M&A And Dividend PolicyShareholder approval of the Farmers Bancorp merger and an ongoing quarterly dividend are structural developments. The deal expands footprint and scale, promises cost/revenue synergies if executed, and the dividend signals management's confidence in capital stability and predictable shareholder returns.
Bears Say
Elevated & Uncertain LeverageSustained elevated leverage increases sensitivity to funding stress and interest rate shifts and reduces strategic flexibility. Compounding this, inconsistent TTM balance-sheet reporting lowers confidence in the current leverage picture, complicating capital planning and risk assessment over the medium term.
Subpar ROE And Margins Vs. PeakAlthough margins recovered, they remain meaningfully below prior peak years and ROE sits in a modest mid-single digits to low-double-digit range. Persistently tepid returns limit internal capital generation, constrain dividend upside, and may impede the bank's ability to compete for talent and scale long term.
Volatile Cash Flow ProfileHistorical swings—including negative operating cash flow and a sharp recent TTM spike—raise questions about sustainability of cash generation. If the TTM improvement is idiosyncratic, recurring cash to fund loans, dividends and merger costs may be less reliable than headline figures imply.
Richmond Mutual Bancorporation News
RMBI FAQ
What was Richmond Mutual Bancorporation Inc’s price range in the past 12 months?
Richmond Mutual Bancorporation Inc lowest stock price was $12.77 and its highest was $16.04 in the past 12 months.
What is Richmond Mutual Bancorporation Inc’s market cap?
Richmond Mutual Bancorporation Inc’s market cap is $150.38M.
When is Richmond Mutual Bancorporation Inc’s upcoming earnings report date?
Richmond Mutual Bancorporation Inc’s upcoming earnings report date is Jul 29, 2026 which is in 53 days.
How were Richmond Mutual Bancorporation Inc’s earnings last quarter?
Richmond Mutual Bancorporation Inc released its earnings results on Apr 23, 2026. The company reported $0.282 earnings per share for the quarter, beating the consensus estimate of N/A by $0.282.
Is Richmond Mutual Bancorporation Inc overvalued?
According to Wall Street analysts Richmond Mutual Bancorporation Inc’s price is currently Overvalued.
Does Richmond Mutual Bancorporation Inc pay dividends?
Richmond Mutual Bancorporation Inc pays a Quarterly dividend of $0.15 which represents an annual dividend yield of 4.29%. See more information on Richmond Mutual Bancorporation Inc dividends here
What is Richmond Mutual Bancorporation Inc’s EPS estimate?
Richmond Mutual Bancorporation Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Richmond Mutual Bancorporation Inc have?
Richmond Mutual Bancorporation Inc has 10,501,260 shares outstanding.
What happened to Richmond Mutual Bancorporation Inc’s price movement after its last earnings report?
Richmond Mutual Bancorporation Inc reported an EPS of $0.282 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.469%.
Which hedge fund is a major shareholder of Richmond Mutual Bancorporation Inc?
Currently, no hedge funds are holding shares in RMBI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Richmond Mutual Bancorporation Stock Smart Score
Neutral
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Insider Transactions
Bought Shares
Worth $21.5K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-1.24%
12-Months-Change
Fundamentals
Return on Equity
8.80%
Trailing 12-Months
Asset Growth
-0.23%
Trailing 12-Months
Company Description
Richmond Mutual Bancorporation Inc
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.
Technical Analysis
Ownership Overview
2.98% Insiders
7.69% Mutual Funds
4.07% Other Institutional Investors
78.96% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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