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Financials · RMBI

Richmond Mutual Bancorporation Inc. (RMBI) financials

For the twelve months ended Jun 30, 2026, Richmond Mutual Bancorporation Inc. reported $52.05M of revenue and $12.02M of net income.

Revenue, TTM
$52.05M
Revenue growth, YoY
+15.5%
Net income, TTM
$12.02M
Net income growth, YoY
+26.3%
Net margin
23.1%
Free cash flow, TTM
$13.49M
EPS, diluted, TTM
$1.21
EPS growth, YoY
+27.4%
Cash
$34.72M
P/E
21.86
P/S
5.05
Market cap
$262.8M
Annual revenue$48.91M
FY2018FY2025
Annual net income$11.58M
FY2018FY2025
Annual free cash flow$14.61M
FY2018FY2025

RMBI revenue and earnings growth

RMBI revenueQ2 2026$13.65M

Quarter YoY
+15.3%
QoQ
+7.1%
FY YoY
+12.5%
5Y CAGR
+4.0%

RMBI revenue was $13.65M in fiscal Q2 2026 (ended Jun 30, 2026), up 15.3% from a year earlier and up 7.1% from the prior quarter. For the full fiscal 2025 it was $48.91M, up 12.5% from fiscal 2024. Compound annual growth was +4.0% over 5 years. It rose in 6 of the last 7 fiscal years. Fiscal 2025 is the highest of the 8 fiscal years on file.

RMBI net incomeQ2 2026$2.23M

Quarter YoY
-14.4%
QoQ
-20.1%
FY YoY
+23.5%
5Y CAGR
+2.9%

RMBI net income was $2.23M in fiscal Q2 2026 (ended Jun 30, 2026), down 14.4% from a year earlier and down 20.1% from the prior quarter. For the full fiscal 2025 it was $11.58M, up 23.5% from fiscal 2024. Compound annual growth was +2.9% over 5 years. It rose in 3 of the last 5 fiscal years.

RMBI EPSQ2 2026$0.22

Quarter YoY
-15.4%
QoQ
-21.4%
FY YoY
+27.2%
5Y CAGR
+7.4%

RMBI diluted EPS was $0.22 in fiscal Q2 2026 (ended Jun 30, 2026), down 15.4% from a year earlier and down 21.4% from the prior quarter. For the full fiscal 2025 it was $1.17, up 27.2% from fiscal 2024. Compound annual growth was +7.4% over 5 years.

RMBI free cash flowQ2 2026$2.74M

Quarter YoY
-35.0%
QoQ
+11.3%
FY YoY
+2.2%
5Y CAGR
-0.1%

RMBI free cash flow was $2.74M in fiscal Q2 2026 (ended Jun 30, 2026), down 35.0% from a year earlier and up 11.3% from the prior quarter. For the full fiscal 2025 it was $14.61M, up 2.2% from fiscal 2024. Compound annual growth was -0.1% over 5 years. It rose in 2 of the last 3 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
Revenue$48.91M$43.47M$42.27M$46.51M$43.66M$40.27M$34.26M$31.74M
Interest expense--$29.75M$10.22M$7.68M$9.39M$11.16M$7.75M
Pre-tax income$13.65M-------
Income tax$2.08M$1.49M$1.52M$2.78M$2.44M$2.48M-$5.29M$1.28M
Net income$11.58M$9.38M$9.49M$12.97M$11.14M$10.02M-$14.08M$5.68M
EPS, basic$1.20$0.93$0.91$1.20$0.98$0.82-$1.27-
EPS, diluted$1.17$0.92$0.91$1.17$0.96$0.82-$1.27-
Diluted shares9.9M10.2M10.5M11.1M11.6M12.3M--

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
Cash and equivalents$33.13M$21.76M$20.24M$15.92M$23.04M$48.77M$40.60M$14.97M
Total assets$1.53B$1.50B$1.46B$1.33B$1.27B$1.08B$986.04M$849.62M
Total liabilities$1.38B$1.37B$1.33B$1.20B$1.09B$891.48M$798.25M$763.77M
Shareholders' equity$145.78M$132.87M$134.86M$132.38M$179.89M$192.71M$187.79M$85.85M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
Operating cash flow$15.97M$14.75M$12.11M$18.16M-$9.65M$16.57M$10.10M$8.46M
Capital expenditures$1.36M$460.4K$619.2K$385.1K$579.5K$1.88M$960.0K$1.33M
Free cash flow$14.61M$14.29M$11.49M$17.78M-$10.23M$14.69M$9.14M$7.13M
Investing cash flow-$1.14M-$49.30M-$122.53M-$116.12M-$212.19M-$89.26M-$106.77M-$101.54M
Financing cash flow-$3.46M$36.06M$114.74M$90.85M$196.11M$80.85M$122.30M$91.88M
Dividends paid$5.84M$5.70M$5.92M$4.41M$9.28M$1.84M$0-
Share repurchases$5.63M$5.04M$6.25M$9.86M$11.91M$9.08M--
Stock-based compensation$815.8K$1.47M$1.63M$1.54M$1.81M$810.9K$0-
Depreciation and amortization$891.8K$850.2K$975.8K$1.06M$1.12M$1.00M$898.3K$895.3K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
Revenue growth, YoY12.5%2.8%-9.1%6.5%8.4%17.6%7.9%-
Net income growth, YoY23.5%-1.2%-26.8%16.3%11.3%---
EPS growth, YoY27.2%1.1%-22.2%21.9%17.1%---
Net margin23.7%21.6%22.4%27.9%25.5%24.9%-41.1%17.9%
Free cash flow margin29.9%32.9%27.2%38.2%-23.4%36.5%26.7%22.5%
Return on equity7.9%7.1%7.0%9.8%6.2%5.2%-7.5%6.6%
Return on assets0.8%0.6%0.6%1.0%0.9%0.9%-1.4%0.7%

Source: XBRL data Richmond Mutual Bancorporation Inc. files with the SEC, latest filing dated Aug 13, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

RMBI peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
RMBI$52.05M+15.5%$12.02M23.1%$262.8M
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

RMBI FAQ

8 questions
  • What is RMBI revenue?
    Richmond Mutual Bancorporation Inc. (RMBI) reported $52.05M of revenue for the twelve months ended Jun 30, 2026. That is up 15.5% from the year before. Revenue for fiscal 2025 was $48.91M.
  • Is RMBI profitable?
    Yes. Richmond Mutual Bancorporation Inc. earned $12.02M in net income for the twelve months ended Jun 30, 2026, a net margin of 23.1%.
  • How much cash and debt does RMBI have?
    Richmond Mutual Bancorporation Inc. reported $34.72M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is RMBI revenue growing?
    Richmond Mutual Bancorporation Inc.'s revenue changed +12.5% in fiscal 2025, to $48.91M. Its compound annual growth rate was +4.0% over 5 years.
  • What is RMBI free cash flow?
    Richmond Mutual Bancorporation Inc. generated $13.49M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $14.76M less capital expenditures.
  • What is RMBI earnings per share?
    Diluted earnings per share were $1.21 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did RMBI last report financial results?
    The latest statements here come from Richmond Mutual Bancorporation Inc.'s 10-Q filed on Aug 13, 2026, covering the period ended Jun 30, 2026.
  • Where does this RMBI financial data come from?
    Quantisnow builds these statements from the structured XBRL data Richmond Mutual Bancorporation Inc. files with the SEC. It is provided for information only and is not investment advice.