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RMBI Financials Richmond Mutual Bancorporation, Inc.

8 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has declined 0.1% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 6 consecutive years, consuming 50.4% of earnings and 39.9% of free cash flow.
  • The dividend has grown 26.0% per year over the past 5 years.
Net income
-$14M -$559524 $13M $0 2018 2019 2020 2021 2022 2023 2024 2025
Net income
Return on equity & assets (ROE / ROA)
-8% 1% 10% 0% 2018 2019 2020 2021 2022 2023 2024 2025
ROEROA
Shareholders' equity (book value)
$0 $96M $193M 2018 2019 2020 2021 2022 2023 2024 2025
Equity
Free cash flow (CFO − capex)
-$10M $4M $18M $0 2018 2019 2020 2021 2022 2023 2024 2025
Free cash flow
Cash vs total debt
$0 $24M $49M 2018 2019 2020 2021 2022 2023 2024 2025
CashTotal debt
Cash flow: operating / investing / financing
-$212M -$8M $196M $0 2018 2019 2020 2021 2022 2023 2024 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 $12M 7.9% 0.8% $15M $33M
2024 $9M 7.1% 0.6% $14M $22M
2023 $9M 7.0% 0.6% $11M $20M
2022 $13M 9.8% 1.0% $18M $16M
2021 $11M 6.2% 0.9% -$10M $23M
2020 $10M 5.2% 0.9% $15M $49M
2019 -$14M -7.5% -1.4% $9M $41M
2018 $6M 6.6% 0.7% $7M $15M

Valuation over time

How the market has priced RMBI against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 13.2 26.5 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 1.7 3.4 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is RMBI growing its revenue and profit?

See the revenue and net-income charts above for Richmond Mutual Bancorporation, Inc.'s multi-year trend.

How much debt does RMBI have?

As of FY2025, Richmond Mutual Bancorporation, Inc. reported — of total debt against $33M of cash.

What is RMBI's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is RMBI's P/E ratio?

As of Sep '26, Richmond Mutual Bancorporation, Inc. traded at a price-to-earnings ratio of about 22.9× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.