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Richmond Mutual Bancorporation, Inc. RMBI

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Price alert · RMBI

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15.86 USD 0.00 0.00%

At close · Oct 30

15.86 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
15.82 × 2
Ask
15.85 × 2
15.79 Day range 15.91
12.92 52-week range 16.19
YTD
+12.96%
1 year
+18.27%
Open
15.87
Prev close
15.86
Mkt cap
254.36M
Vol
30.73K
Avg vol
80.53K
EPS
1.22
P/E
13.00
Div yield
3.92%
More statistics
Low
15.79
High
15.91
Forward P/E
0.00
Beta
0.62
Short ratio
1.32
Inst. own
20.70%
Dividend
0.56
Ex-div date
Dec 4, 2024
50-d avg
13.72
200-d avg
12.42
1y target
0.00

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Financial health

Altman Z-Score

0.17 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C2 / 5 overall

  • DCF 1
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 3

Valuation

P/E 11.7×
FY 2017: 65.0×FY 2018: 31.0×FY 2019: -12.6×FY 2020: 16.7×FY 2021: 16.4×FY 2022: 10.8×FY 2023: 12.6×FY 2024: 15.2×FY 2025: 11.7×
FY 2017 5y median 12.6× FY 2025
P/S 1.5×
FY 2017: 5.4×FY 2018: 4.5×FY 2019: 4.4×FY 2020: 3.4×FY 2021: 3.6×FY 2022: 2.5×FY 2023: 1.7×FY 2024: 1.7×FY 2025: 1.5×
FY 2017 5y median 1.7× FY 2025
P/B 0.9×
FY 2017: 2.2×FY 2018: 2.1×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.1×FY 2025: 0.9×
FY 2017 5y median 1.0× FY 2025
P/FCF 9.3×
FY 2017: 31.3×FY 2018: 24.9×FY 2019: 21.8×FY 2020: 11.4×FY 2021: -17.8×FY 2022: 7.9×FY 2023: 10.4×FY 2024: 10.0×FY 2025: 9.3×
FY 2017 5y median 9.3× FY 2025
EV/EBITDA 23.2×
FY 2017: 38.4×FY 2018: 37.1×FY 2019: -17.1×FY 2020: 20.7×FY 2021: 22.4×FY 2022: 17.8×FY 2023: 30.4×FY 2024: 32.4×FY 2025: 23.2×
FY 2017 5y median 23.2× FY 2025
EV/Sales 3.9×
FY 2017: 8.0×FY 2018: 7.6×FY 2019: 6.9×FY 2020: 5.8×FY 2021: 6.6×FY 2022: 5.4×FY 2023: 5.2×FY 2024: 4.5×FY 2025: 3.9×
FY 2017 5y median 5.2× FY 2025
FCF Yield 10.8%
FY 2017: 3.2%FY 2018: 4.0%FY 2019: 4.6%FY 2020: 8.8%FY 2021: -5.6%FY 2022: 12.7%FY 2023: 9.6%FY 2024: 10.0%FY 2025: 10.8%
FY 2017 5y median 10.0% FY 2025

Profitability

Gross Margin 51.8%
FY 2017: 80.0%FY 2018: 76.1%FY 2019: 69.6%FY 2020: 73.4%FY 2021: 82.2%FY 2022: 80.9%FY 2023: 57.8%FY 2024: 50.2%FY 2025: 51.8%
FY 2017 5y median 57.8% FY 2025
Operating Margin 15.5%
FY 2017: 17.2%FY 2018: 17.7%FY 2019: -42.8%FY 2020: 25.2%FY 2021: 26.5%FY 2022: 27.8%FY 2023: 15.3%FY 2024: 12.8%FY 2025: 15.5%
FY 2017 5y median 15.5% FY 2025
Net Margin 12.7%
FY 2017: 8.2%FY 2018: 14.4%FY 2019: -31.1%FY 2020: 20.2%FY 2021: 21.8%FY 2022: 22.9%FY 2023: 13.2%FY 2024: 11.0%FY 2025: 12.7%
FY 2017 5y median 13.2% FY 2025
ROE 7.9%
FY 2017: 3.3%FY 2018: 6.6%FY 2019: -7.5%FY 2020: 5.2%FY 2021: 6.2%FY 2022: 9.8%FY 2023: 7.0%FY 2024: 7.1%FY 2025: 7.9%
FY 2017 5y median 7.1% FY 2025
ROIC 2.9%
FY 2017: 1.4%FY 2018: 2.5%FY 2019: -3.8%FY 2020: 2.6%FY 2021: 3.0%FY 2022: 4.0%FY 2023: 2.3%FY 2024: 2.3%FY 2025: 2.9%
FY 2017 5y median 2.9% FY 2025
ROA 0.8%
FY 2017: 0.4%FY 2018: 0.7%FY 2019: -1.4%FY 2020: 0.9%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 0.6%FY 2024: 0.6%FY 2025: 0.8%
FY 2017 5y median 0.8% FY 2025

Growth (YoY)

Revenue 6.9%
FY 2017: 0.0%FY 2018: 19.2%FY 2019: 14.9%FY 2020: 9.5%FY 2021: 3.4%FY 2022: 10.5%FY 2023: 26.9%FY 2024: 18.4%FY 2025: 6.9%
FY 2017 FY 2025
Operating Income 29.4%
FY 2017: 0.0%FY 2018: 22.3%FY 2019: -378.6%FY 2020: 164.5%FY 2021: 8.7%FY 2022: 16.0%FY 2023: -30.1%FY 2024: -1.3%FY 2025: 29.4%
FY 2017 FY 2025
EPS (diluted) 27.2%
FY 2017: 0.0%FY 2018: 109.5%FY 2019: -388.6%FY 2020: 164.6%FY 2021: 17.1%FY 2022: 21.9%FY 2023: -22.2%FY 2024: 1.1%FY 2025: 27.2%
FY 2017 FY 2025
Free Cash Flow 2.2%
FY 2017: 0.0%FY 2018: 25.5%FY 2019: 28.1%FY 2020: 60.8%FY 2021: -169.6%FY 2022: 273.8%FY 2023: -35.3%FY 2024: 24.3%FY 2025: 2.2%
FY 2017 FY 2025

Financial Health

Current Ratio 0.3×
FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.3×
FY 2017 5y median 0.4× FY 2025
Quick Ratio 0.3×
FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.3×
FY 2017 5y median 0.4× FY 2025
Debt / Equity 1.7×
FY 2017: 1.3×FY 2018: 1.6×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.4×FY 2023: 2.0×FY 2024: 2.0×FY 2025: 1.7×
FY 2017 5y median 1.7× FY 2025
Net Debt / EBITDA 14.3×
FY 2017: 12.7×FY 2018: 15.0×FY 2019: -6.2×FY 2020: 8.7×FY 2021: 10.4×FY 2022: 9.6×FY 2023: 20.6×FY 2024: 20.4×FY 2025: 14.3×
FY 2017 5y median 14.3× FY 2025
Interest Coverage 0.3×
FY 2017: 1.1×FY 2018: 0.9×FY 2019: -1.7×FY 2020: 1.3×FY 2021: 1.8×FY 2022: 1.5×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.3×
FY 2017 5y median 0.4× FY 2025

Dividends

Dividend Yield 4.3%
FY 2017: 0.0%FY 2018: 0.3%FY 2019: 0.0%FY 2020: 1.1%FY 2021: 5.1%FY 2022: 3.1%FY 2023: 4.9%FY 2024: 4.0%FY 2025: 4.3%
FY 2017 5y median 4.3% FY 2025
Payout Ratio 50.4%
FY 2017: 0.0%FY 2018: 8.8%FY 2019: 0.0%FY 2020: 18.4%FY 2021: 83.2%FY 2022: 34.0%FY 2023: 62.4%FY 2024: 60.8%FY 2025: 50.4%
FY 2017 5y median 60.8% FY 2025

Annual · latest fiscal year ends 2025-12-31