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Richmond Mutual Bancorporation (RMBI) Ratios
Richmond Mutual Bancorporation Ratios
RMBI's free cash flow for Q2 2026 was $2.74M. For the 2026 fiscal year, RMBI's free cash flow was decreased by $-290.21K and operating cash flow was $3.03M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.26 | 0.16 | 0.44 | 0.44 | 0.57 |
| Quick Ratio | 0.26 | 0.16 | 0.44 | 0.44 | 0.57 |
| Cash Ratio | 0.03 | 0.02 | 0.02 | 0.02 | 0.03 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.01 | 0.02 | -0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -1.09B | $ -1.19B | $ -862.75M | $ -757.35M | $ -575.63M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.17 | 0.18 | 0.19 | 0.14 | 0.14 |
| Debt-to-Equity Ratio | 1.73 | 1.99 | 2.01 | 1.36 | 1.00 |
| Debt-to-Capital Ratio | 0.63 | 0.67 | 0.67 | 0.58 | 0.50 |
| Long-Term Debt-to-Capital Ratio | 0.63 | 0.67 | 0.67 | 0.58 | 0.50 |
| Financial Leverage Ratio | 10.47 | 11.33 | 10.83 | 10.03 | 7.02 |
| Debt Service Coverage Ratio | 0.31 | 0.25 | 0.36 | 1.39 | 1.65 |
| Interest Coverage Ratio | 0.33 | 0.26 | 0.37 | 1.54 | 1.77 |
| Debt to Market Cap | 1.86 | 1.86 | 2.26 | 1.29 | 0.99 |
| Interest Debt Per Share | 30.46 | 30.44 | 28.93 | 17.67 | 16.53 |
| Net Debt to EBITDA | 14.30 | 20.40 | 20.57 | 9.60 | 10.38 |
| Profitability Margins | |||||
| Gross Profit Margin | 51.76% | 50.19% | 57.84% | 80.88% | 82.21% |
| EBIT Margin | 15.47% | 12.77% | 15.32% | 27.83% | 26.52% |
| EBITDA Margin | 16.68% | 14.00% | 16.98% | 30.11% | 29.52% |
| Operating Profit Margin | 15.47% | 12.77% | 15.32% | 27.83% | 26.52% |
| Pretax Profit Margin | 15.02% | 12.77% | 15.32% | 27.83% | 26.52% |
| Net Profit Margin | 12.74% | 11.03% | 13.21% | 22.91% | 21.76% |
| Continuous Operations Profit Margin | 12.74% | 11.03% | 13.21% | 22.91% | 21.76% |
| Net Income Per EBT | 84.79% | 86.32% | 86.22% | 82.32% | 82.07% |
| EBT Per EBIT | 97.09% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.76% | 0.62% | 0.65% | 0.98% | 0.88% |
| Return on Equity (ROE) | 7.94% | 7.06% | 7.03% | 9.79% | 6.18% |
| Return on Capital Employed (ROCE) | 3.45% | 2.68% | 2.65% | 4.90% | 3.70% |
| Return on Invested Capital (ROIC) | 2.93% | 2.31% | 2.28% | 4.03% | 3.03% |
| Return on Tangible Assets | 0.76% | 0.62% | 0.65% | 0.98% | 0.88% |
| Earnings Yield | 8.54% | 6.57% | 7.93% | 9.26% | 6.11% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.43 | 0.56 | 0.45 | 0.41 | 0.39 |
| Payables Turnover | 12.67 | 8.77 | 6.89 | 7.90 | 35.31 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 6.78 | 6.58 | 5.39 | 4.14 | 3.57 |
| Asset Turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.10 | -0.11 | -0.12 | -0.12 | -0.15 |
| Cash Conversion Cycle | -3.51 | 609.22 | 762.66 | 837.38 | 922.99 |
| Days of Sales Outstanding | 25.30 | 650.85 | 815.66 | 883.58 | 933.33 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 28.80 | 41.62 | 53.00 | 46.20 | 10.34 |
| Operating Cycle | 25.30 | 650.85 | 815.66 | 883.58 | 933.33 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.65 | 1.46 | 1.17 | 1.69 | -0.85 |
| Free Cash Flow Per Share | 1.51 | 1.42 | 1.11 | 1.65 | -0.90 |
| Dividend Paid and CapEx Coverage Ratio | 2.22 | 2.40 | 1.85 | 3.79 | -0.98 |
| Capital Expenditure Coverage Ratio | 11.73 | 32.04 | 19.57 | 47.16 | -16.66 |
| Operating Cash Flow Coverage Ratio | 0.06 | 0.06 | 0.04 | 0.10 | -0.05 |
| Operating Cash Flow to Sales Ratio | 0.18 | 0.17 | 0.17 | 0.32 | -0.19 |
| Free Cash Flow Yield | 10.78% | 10.02% | 9.61% | 12.69% | -5.61% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.70 | 15.22 | 12.61 | 10.80 | 16.35 |
| Price-to-Sales (P/S) Ratio | 1.49 | 1.68 | 1.67 | 2.48 | 3.56 |
| Price-to-Book (P/B) Ratio | 0.93 | 1.07 | 0.89 | 1.06 | 1.01 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.28 | 9.98 | 10.41 | 7.88 | -17.82 |
| Price-to-Operating Cash Flow Ratio | 8.49 | 9.67 | 9.88 | 7.71 | -18.90 |
| Price-to-Earnings Growth (PEG) Ratio | 0.40 | 6.92 | -0.52 | 0.48 | 0.84 |
| Enterprise Value Multiple | 23.24 | 32.38 | 30.38 | 17.82 | 22.44 |
| Enterprise Value | 352.36M | 385.59M | 370.42M | 303.65M | 339.23M |
| EV to EBITDA | 23.24 | 32.38 | 30.38 | 17.82 | 22.44 |
| EV to Sales | 3.88 | 4.53 | 5.16 | 5.37 | 6.62 |
| EV to Free Cash Flow | 24.12 | 26.98 | 32.22 | 17.08 | -33.17 |
| EV to Operating Cash Flow | 22.06 | 26.14 | 30.58 | 16.72 | -35.17 |
| Tangible Book Value Per Share | 14.90 | 12.99 | 12.79 | 12.11 | 15.75 |
| Shareholders’ Equity Per Share | 15.10 | 13.18 | 12.97 | 12.30 | 15.89 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.15 | 0.14 | 0.14 | 0.18 | 0.18 |
| Revenue Per Share | 9.41 | 8.44 | 6.91 | 5.26 | 4.51 |
| Net Income Per Share | 1.20 | 0.93 | 0.91 | 1.20 | 0.98 |
| Tax Burden | 0.85 | 0.86 | 0.86 | 0.82 | 0.82 |
| Interest Burden | 0.97 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.17 | 0.24 | 0.26 | 0.34 | 0.36 |
| Stock-Based Compensation to Revenue | 0.02 | 0.03 | 0.03 | 0.04 | 0.05 |
| Income Quality | 1.38 | 1.57 | 1.28 | 1.40 | -0.87 |
Currency in USD