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
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
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
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$2M
—
—
1.5%
0.1%
$3M
—
$35M
Mar '26
—
$3M
—
—
1.9%
0.2%
$2M
—
$35M
Dec '25
—
$3M
—
—
2.3%
0.2%
$2M
—
$33M
Sep '25
—
$4M
—
—
2.6%
0.2%
$6M
—
$34M
Jun '25
—
$3M
—
—
2.0%
0.2%
$4M
—
$27M
Mar '25
—
$2M
—
—
1.5%
0.1%
$2M
—
$27M
Dec '24
—
$2M
—
—
1.9%
0.2%
$7M
—
$22M
Sep '24
—
$2M
—
—
1.8%
0.2%
$3M
—
$20M
Jun '24
—
$2M
—
—
1.6%
0.1%
$3M
—
$19M
Mar '24
—
$2M
—
—
1.8%
0.2%
$2M
—
$20M
Dec '23
—
$2M
—
—
1.4%
0.1%
$4M
—
$20M
Sep '23
—
$2M
—
—
1.6%
0.1%
$2M
—
$21M
Jun '23
—
$3M
—
—
2.1%
0.2%
$3M
—
$17M
Mar '23
—
$3M
—
—
2.1%
0.2%
$4M
—
$17M
Dec '22
—
$3M
—
—
2.5%
0.2%
$3M
—
$16M
Sep '22
—
$3M
—
—
2.5%
0.2%
$5M
—
$19M
Jun '22
—
$3M
—
—
2.5%
0.3%
$6M
—
$14M
Mar '22
—
$3M
—
—
1.9%
0.2%
$4M
—
$20M
Dec '21
—
$3M
—
—
1.5%
0.2%
-$13M
—
$23M
Sep '21
—
$3M
—
—
1.7%
0.3%
$6M
—
$20M
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.
The price-to-earnings ratio has risen from 13.4× (Mar '23) to 22.9× (Nov '26).
The dividend yield has fallen from 2.5% (Mar '23) to 2.2% (Nov '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
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?
Richmond Mutual Bancorporation, Inc.'s P/E (TTM) is 22.07 as of the 2026-11-04 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the RMBI stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 22.9× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.