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May 27, 2026·SEC
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Richmond Mutual Bancorporation, Inc.(RMBI)Earnings, Financials & Key Ratios
RMBI•NASDAQ•Banking & Credit
$16.19
13.8× P/E·Price updated Jun 27, 2026
AboutRichmond 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.Show more
- Net Interest Income$44M+13.3%
- Total Revenue$91M+6.9%
- Net Income$12M+23.4%
- Return on Equity8.31%+18.6%
- Net Interest Margin2.87%+11.7%
- Efficiency Ratio36.28%-3.0%
- ROA0.76%+20.8%
- Equity / Assets9.55%+8.2%
- Book Value per Share14.82+14.1%
RMBI Price & Volume
Richmond Mutual Bancorporation, Inc. (RMBI) stock price & volume — 10-year historical chart
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Stagnant Margins Offset By Disciplined Capital Management
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial Position:Healthy
Cash Flow:Stable
Primary Risk:CRE concentration refinancing risk
"Richmond Mutual Bancorporation exhibits a stable but constrained growth profile, characterized by a heavy reliance on a $1.3 billion securities portfolio rather than traditional loan expansion. While management has successfully improved the efficiency ratio to 38.8% as of 2026Q1, the persistent net interest margin compression within the 0.6% to 0.8% range limits earnings upside. Investors should monitor the volatility in loan loss provisioning, which reached a peak charge of $744.7K in 2025Q2, as it highlights potential credit risks within the bank's concentrated commercial real estate exposure."
Verdict Logic
while the bank maintains a healthy equity-to-assets ratio of 0.10, the stagnant net interest margin of 0.8% and ongoing credit provisioning volatility suggest limited near-term catalysts for significant valuation expansion above the current 1.09 P/B ratio.
RMBI Growth Metrics
Richmond Mutual Bancorporation, Inc. (RMBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years12.91%
3 Years17.11%
TTM-
Profit CAGR
10 Years-
5 Years2.93%
3 Years-3.71%
TTM38.06%
EPS CAGR
10 Years-
5 Years7.37%
3 Years0%
TTM42.05%
Return on Capital
10 Years2.25%
5 Years3.45%
3 Years3.03%
Last Year3.46%
RMBI Recent Earnings
Richmond Mutual Bancorporation, Inc. (RMBI) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.28
—
Rev
$22M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.35
—
Rev
$23M
—
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.36
—
Rev
$23M
—
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$0.26
—
Rev
$22M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.28 | $22M |
| Q1 2026 | Jan 22, 2026 | $0.35 | $23M |
| Q4 2025 | Oct 23, 2025 | $0.36 | $23M |
| Q3 2025 | Jul 23, 2025 | $0.26 | $22M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Richmond Mutual Bancorporation, Inc. (RMBI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $16.19 | $158.34M | 13.84 | 6.87% | 12.74% | 8.31% | 3.67% | |
| $44.56 | $209.92M | 13.46 | 5.93% | 16.05% | 9.29% | — | |
| $23.54 | $227.02M | 16.12 | -9.41% | 16.49% | 8% | — | |
| $62.68 | $1.56B | 15.63 | -1.93% | 25.81% | 14.79% | — | |
| $29.52 | $1B | 15.06 | 5.92% | 20.5% | 7.58% | — | |
| $30.54 | $276.11M | 15.58 | 27.11% | 18.05% | 11.51% | — |
Compare RMBI vs Peers
Richmond Mutual Bancorporation, Inc. (RMBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RMBI SEC Filings & Documents
Richmond Mutual Bancorporation, Inc. (RMBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
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RMBI Frequently Asked Questions
Richmond Mutual Bancorporation, Inc. (RMBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Richmond Mutual Bancorporation, Inc. growing?
Richmond Mutual Bancorporation, Inc. (RMBI) grew revenue by 6.9% over the past year. This is steady growth.
Is RMBI profitable?
Yes, Richmond Mutual Bancorporation, Inc. (RMBI) is profitable, generating $12.4M in net income for fiscal year 2025 (12.7% net margin).
Dividend & Returns
Does RMBI pay dividends?
Yes, Richmond Mutual Bancorporation, Inc. (RMBI) pays a dividend with a yield of 3.67%. This makes it attractive for income-focused investors.
What is RMBI's return on equity?
Richmond Mutual Bancorporation, Inc. (RMBI) has a return on equity (ROE) of 8.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Richmond Mutual Bancorporation, Inc.'s net interest margin?
Richmond Mutual Bancorporation, Inc. (RMBI) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
What is Richmond Mutual Bancorporation, Inc.'s efficiency ratio?
Richmond Mutual Bancorporation, Inc. (RMBI) has an efficiency ratio of 36.3%. This is excellent, indicating strong cost control.