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Richmond Mutual Bancorporation(NASDAQ) RMBI

Current Price$15.34
Market Cap$161.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2019)+45%
5 Year+21%
1 Year+11%
1 Month+4%
Richmond Mutual Bancorporation last closing stock price
MetricPriceDate
Last closeUSD 15.282026-07-22
Richmond Mutual Bancorporation stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.23%USD 15.472026-07-15
1 month+3.8%USD 14.722026-06-22
3 month+3.96%USD 14.702026-04-23
Year to date+11.14%USD 13.752025-12-31
1 year+10.73%USD 13.802025-07-22
3 year+45.66%USD 10.492023-07-21
5 year+20.92%USD 12.642021-07-23
Since inception+44.69%USD 10.612019-07-02

Richmond Mutual Bancorporation Financials at a Glance

Market Cap

$161.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$91.32M

Net Income (TTM)

$12.39M

EPS (TTM)

$1.26

P/E Ratio

12.21

Dividend

$0.60

Beta (Volatility)

0.30 (Low)

Price

$15.34

Volume

62,778

Open

$15.30

Previous Close

$15.28

Daily Range

$15.19 - $15.63

52-Week Range

$12.77 - $16.59

Estimated Earnings Date

Jul 22, 2026

RMBI News

No articles available.

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About Richmond Mutual Bancorporation

Richmond Mutual Bancorporation helps people and businesses manage money and get loans. Its services support homebuyers, local companies, and savers in Indiana and Ohio. Customers use its accounts and loans for daily needs and business growth.

Money Moves: Products and Services

  • Deposit Accounts: Savings, checking, and certificates of deposit for individuals and businesses (71.3% of deposits are core deposits).
  • Lending Products: Loans for homes, businesses, and real estate; commercial and multi-family loans make up 52.2% of the loan portfolio.
  • Lease Financing: Equipment leasing for businesses, including medical and industrial sectors (12.2% of loans and leases).
  • Wealth Management: Trust, investment, and retirement services for individuals and organizations ($246.3 million in assets under management).
  • Insurance Services: Property and casualty insurance through a captive insurance subsidiary for business clients.

Branching Out: Growth and Expansion

  • Entered the public market with an IPO in July 2019.
  • Expanded lease financing nationally through First Federal Leasing, using over 100 broker partners.
  • Signed a deal in 2025 to acquire The Farmers Bancorp, aiming to close in 2026.
  • Wealth management assets under management totaled $246.3 million at December 31, 2025, and these fee-based services made up 27.3% of total non-interest income in 2025.
  • Invested in technology and cybersecurity upgrades throughout 2024 and 2025.

Why Richmond Stands Out

Richmond focuses on local banking, building strong ties in Indiana and Ohio. Its national leasing business adds diversity beyond traditional loans. The company’s capital levels exceed regulatory requirements, supporting stability and growth.

Five Things You Need to Know

  • Total interest income was $85.9 million in 2025, up 6.7% from 2024.
  • Net income reached $11.6 million in 2025, a 23.5% increase from 2024.
  • Non-performing loans rose to $17.4 million in 2025, or 1.46% of loans.
  • Brokered deposits made up 21.1% of total deposits in 2025.

Bottom Line

Richmond has grown by expanding services and acquiring new businesses. Its mix of local focus and national leasing helps it adapt to changing markets.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

180

CEO

Garry D. Kleer

Website

www.firstbankrichmond.com

Headquarters

Richmond, IN 47374, US

RMBI Financials

Key Financial Metrics (TTM)

Gross Margin

53.05%

Operating Margin

16.53%

Net Income Margin

13.57%

Return on Equity

8.80%

Return on Capital

3.53%

Return on Assets

0.82%

Earnings Yield

8.19%

Dividend Yield

3.91%

Payout Ratio

46.86%

Stock Overview

Market Cap

$161.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

10.50M

Volume

62.78K

Avg. Volume

56.04K

Financials (TTM)

Gross Profit

$48.45M

Operating Income

$15.09M

EBITDA

$16.21M

Operating Cash Flow

$16.57M

Capital Expenditure

-$1.61M

Free Cash Flow

$14.96M

Cash & ST Invst.

$130.05M

Total Debt

$256.00M

Richmond Mutual Bancorporation Performance Analysis

Richmond Mutual Bancorporation annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 56,694,70710.5%
20232023-12-31USD 71,961,93326.9%
20242024-12-31USD 85,261,69318.5%
20252025-12-31USD 90,944,6896.7%
Richmond Mutual Bancorporation sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-301.6%
Q32025-09-303.1%
Q42025-12-311.4%
Q12026-03-31-4.0%
Richmond Mutual Bancorporation annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.1722.4%
20232023-12-31USD 0.91-22.6%
20242024-12-31USD 0.921.0%
20252025-12-31USD 1.1727.5%
Richmond Mutual Bancorporation sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3030.0%
Q32025-09-3038.5%
Q42025-12-31-2.8%
Q12026-03-31-20.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$22.46M

+2.0%

Gross Profit

$12.05M

+13.2%

Gross Margin

53.66%

N/A

Market Cap

$161.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$895.24K

N/A

Employees

180

N/A

Net Income

$2.79M

+41.5%

EBITDA

$3.63M

+40.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$130.05M

-0.1%

Total Debt

$256.00M

-6.6%

Accounts Receivable

$6.18M

-95.9%

Inventory

$0.00

N/A

Long Term Debt

$256.00M

-6.6%

Short Term Debt

$0.00

N/A

Return on Assets

0.82%

N/A

Return on Invested Capital

3.68%

N/A

Free Cash Flow

$2.46M

+16.9%

Operating Cash Flow

$2.79M

+27.7%

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Questions About RMBI

What is the current price of Richmond Mutual Bancorporation?

Richmond Mutual Bancorporation is trading at $15.28 per share.

What is the 52-week range for Richmond Mutual Bancorporation?

Over the past 52 weeks, Richmond Mutual Bancorporation has traded between $12.77 and $16.59.

How much debt does Richmond Mutual Bancorporation have?

As of the most recent reporting period, Richmond Mutual Bancorporation reported total debt of $256.00M.

How much cash does Richmond Mutual Bancorporation have on hand?

Richmond Mutual Bancorporation does not have cash on hand data available.

What is Richmond Mutual Bancorporation’s dividend yield?

Richmond Mutual Bancorporation currently has a dividend yield of 3.91%.

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