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Richmond Mutual Bancorporation Inc

Company price
15.68 USD 0.00(0%)
Last update at 2026-11-06T21:00:00Z
VOLUME
34970
Market Cap
254.52M
P/E
13.01

Momentum Score

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Richmond Mutual Bancorporation, Inc. operates as the bank 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, and residential real estate loans, including home equity loans, lines of credits, 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. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.

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Day Price Range
15.30
Low
15.75
High
52 Week Price Range
12.26
Low
16.43
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
15.68
Dividend Yield
3.79%
Revenue TTM
49.85M
Revenue Per Share
5.16
Gross Profit TTM
49.85M
Debt / Equity
1.73
ROE
8.57%
Net Debt
216.80M
ROCE
3.45%
Diluted EPS TTM
1.22

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 13.65M 10.86M 11.00M 15.75M 13.58M
Net income 11.58M 9.38M 9.49M 12.97M 11.14M
Selling general administrative 14.93M 19.88M 18.60M 19.17M 20.79M
Selling and marketing expenses 0.27M 0.38M 0.39M 0.46M 0.40M
Gross profit 47.04M 42.68M 41.54M 46.37M 43.53M
Reconciled depreciation 1.10M 1.04M 1.23M 1.29M 1.54M
Ebit 14.06M 10.86M 11.00M 25.74M 13.58M
Ebitda 14.88M 11.91M 12.19M 27.03M 15.12M
Depreciation and amortization 0.82M 1.04M 1.19M 1.29M 1.54M
Operating income 14.06M 10.86M 11.00M 25.74M 13.58M
Other operating expenses 76.83M 74.19M 60.81M 20.63M 29.95M
Interest expense 42.06M 41.82M 29.75M 10.22M 7.68M
Tax provision 2.08M 1.49M 1.95M 2.78M 2.44M
Interest income 85.91M 80.53M 63.13M 51.86M 45.93M
Net interest income 43.85M 38.71M 38.86M 41.64M 38.24M
Income tax expense 2.08M 1.49M 1.52M 2.78M 2.44M
Total revenue 90.89M 85.05M 71.82M 46.37M 43.53M
Total operating expenses 32.98M 31.82M 30.53M -20.63M -29.95M
Cost of revenue 43.81M 42.37M 30.28M - -
Total other income expense net -0.41M -32.05M -5.34M -9.99M -7.68M
Net income from continuing ops 11.58M 9.38M 10.85M 12.97M 11.14M
Net income applicable to common shares - - - 12.96M 11.14M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1525.79M 1504.87M 1462.42M 1328.62M 1267.64M
Intangible assets 1.88M 1.95M 1.95M 2.01M 1.65M
Other current assets -261170.97M - 26.08M 0.47M 0.56M
Total liab 1380.01M 1372.00M 1327.56M 1195.64M 1087.16M
Total stockholder equity 145.78M 132.87M 134.86M 132.98M 180.48M
Other current liab 1114.89M 1093.94M 759.33M -1.37M -0.26M
Common stock 0.11M 0.11M 0.11M 0.12M 0.12M
Capital stock 0.11M 0.11M 0.11M 0.12M 0.12M
Retained earnings 97.32M 91.58M 87.90M 88.72M 80.16M
Other liab - - - 10.38M 4.32M
Other assets - 0.79M - -301963.76M 373.54M
Cash 35.20M 22.06M 20.24M 16.41M 23.04M
Total current liabilities 1118.35M 1098.77M 868.39M 1.37M 0.26M
Current deferred revenue - - -4.40M - -
Net debt 216.80M 242.94M 251.27M 163.59M 156.96M
Short term debt 136.10M 125.07M 109.07M - -
Short long term debt total 252.00M 265.00M 271.51M 180.00M 180.00M
Other stockholder equity 82.91M 86.99M 101.35M 93.90M 101.41M
Property plant equipment - - - 13.67M 14.35M
Total current assets 293.42M 179.21M 26.08M 4724.22M 511.53M
Long term investments 254.66M 261.69M 287.64M 291.57M 366.58M
Net tangible assets - - - 132.98M 180.48M
Short term investments 251.92M 5.49M 282.69M 284.90M 357.54M
Net receivables 6.30M 151.66M 160.49M 138.18M 130.95M
Long term debt 252.00M 265.00M 271.00M 180.00M 180.00M
Inventory - - -5823.48M - 0.03M
Accounts payable 3.46M 4.83M 4.40M 1.37M 0.26M
Accumulated other comprehensive income -34.56M -45.81M -54.50M -49.75M -1.21M
Non currrent assets other 182.51M 40.25M 1377.95M 298260.91M -382.57M
Non current assets total 1232.37M 1325.66M 1436.33M 298568.16M 382.57M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 20.35M -49.30M -145.86M -116.12M -212.19M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -1.14M -49.30M -122.53M - -212.19M
Net borrowings -13.00M -6.00M 91.00M - 10.00M
Total cash from financing activities -3.46M 36.06M 114.74M 90.85M 196.11M
Change to operating activities - - - - -24.51M
Net income 11.58M 9.38M 9.49M 12.97M 11.14M
Change in cash 11.37M 1.52M 4.32M -7.12M -25.73M
Begin period cash flow 21.76M 20.24M 15.92M 23.04M 48.77M
End period cash flow 33.13M 21.76M 20.24M 15.92M 23.04M
Total cash from operating activities 15.97M 14.75M 12.11M 18.16M -9.65M
Depreciation 1.10M 1.04M 1.19M 1.29M 1.54M
Other cashflows from investing activities -20.13M -70.42M -133.20M - -0.94M
Dividends paid 5.84M 5.70M 5.92M 4.41M 9.28M
Change to account receivables -0.27M -0.19M -1.13M -0.52M 0.51M
Sale purchase of stock -5.63M -5.04M -6.25M -9.86M -11.91M
Other cashflows from financing activities 21.01M 52.80M 35.91M 432.61M 0.04M
Change to netincome - - - - 1.67M
Capital expenditures 1.36M 0.46M 0.62M 0.39M 0.58M
Change in working capital 0.45M 1.61M -1.88M 0.73M -6.54M
Stock based compensation 1.55M 2.14M 2.24M 2.34M 2.61M
Other non cash items 1.40M 0.43M 0.44M -0.20M -20.66M
Free cash flow 14.61M 14.29M 11.49M 17.78M -10.23M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
RMBI
Richmond Mutual Bancorporation Inc
-
-%
15.68 13.01 - 5.11 1.71 9.59
DBSDY
DBS Group Holdings Ltd ADR
-6.82
3.06%
215.88 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H
-
-%
6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd
0.02
0.06%
34.57 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA
-0.81
0.94%
85.79 11.53 10.27 5.72 1.83 8.22

Profile*

Richmond Mutual Bancorporation Inc

Richmond Mutual Bancorporation, Inc. operates as the bank 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, and residential real estate loans, including home equity loans, lines of credits, 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. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.

31 North 9th Street, Richmond, IN, United States, 47374

765 962 2581

174

Name Title Year Born
Mr. Garry D. Kleer Chairman, Pres & CEO 1956
Mr. Donald A. Benziger Exec. VP & CFO 1953
Mr. Dean W. Weinert Division Pres of Mutual Federal Savings Bank 1953
Paul E. Allen Sr. VP and Security Officer - Operations NA
Ms. Beth A. Brittenham Sr. VP & Corp. Sec. of First Bank Richmond 1955
Mr. Albert E. Fullerton Jr. Sr. VP, Chief Information Officer & Information Security Officer of First Bank Richmond 1964
Ms. Cathy J. Hays Sr. VP, Chief Audit Exec. & Training Director of First Bank Richmond 1957
Mr. Alan M. Spears Sr. VP & Trust Officer of First Bank Richmond 1958
Mr. Paul J. Witte Exec. VP & Chief Lending Officer of First Bank Richmond 1973
Ms. Robin S. Weinert Sr. VP of Operations & Retail Banking of First Bank Richmond 1964

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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