Richmond Mutual Bancorporation, Inc.

Richmond Mutual Bancorporation, Inc.

RMBIยทNASDAQ

$14.32

-0.14%
Financial ServicesBanks - Regional

Richmond Mutual Bancorporation, Inc. operates as a 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, residential real estate loans, 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. It operates through 12 full service and one limited-service banking offices with seven full-service and one limited-service offices located in Indiana; five offices situated in Ohio; one full-service banking office and four other branch offices are located in Richmond, Indiana; two other offices in Cambridge City, Centerville, Richmond, and Shelbyville, Indiana; two offices in Sidney and Ohio; two offices in Piqua and one office in Troy, Ohio; and a loan production office in Columbus, Ohio. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.

At a Glance

Live Snapshot
Market Cap$140.05M
EPS1.2000
P/E Ratio11.93
Earnings Date07/22/2026
3Y+87836.0%
5Y+96246.0%
10Y+256832.0%
3Y+883.0%
5Y+1178.0%
10Y+1694.0%
3Y-3903.0%
5Y-4373.0%
10Y-6291.0%
RMBI

Richmond Mutual Bancorporation, Inc. Cash Conversion Engine

RMBI ยท NASDAQ
Net Income11.58B
Depreciation & Amortization891.83M
Stock-Based Compensation815.82M
Change in Working Capital454.95K
Others2.80B
Capital Expenditures-1.36M
Free Cash Flow15.97B

Cash Flow Quality Analysis

FCF Conversion Rate

137.9%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

0.0%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+111636.1%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$454.95K

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Richmond Mutual Bancorporation, Inc. Cash Flow Statement

RMBI โ€ข NASDAQ

Richmond Mutual Bancorporation, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017
OPERATING ACTIVITIES
11.6B
9.4M
9.5M
13M
11.1M
10M
-14.1M
5.7M
2.7M
891.8M
1M
1.2M
1.3M
1.5M
1.5M
1.1M
1.1M
1.2M
-114.4M
158.3K
641.1K
1M
2.3M
-35K
-6.2M
938K
2.2M
815.8M
2.1M
2.2M
2.3M
2.6M
1.5M
316.1K
0.0
0.0
2.8B
431.2K
436.3K
-199.6K
-20.7M
2.8M
27.2M
1.7M
1.4M
(1.3M)
(0.0)
(2.1M)
(2.2M)
(2.9M)
(1.1M)
(0.0)
(658.2K)
(137K)
454.9K
1.6M
-1.9M
733.9K
-6.5M
826.3K
1.9M
-956.2K
-1.3M
16B
14.8M
12.1M
18.2M
-9.6M
16.6M
10.1M
8.5M
6.2M
INVESTING ACTIVITIES
(0.0)
-460.4K
-619K
-385.1K
-579K
-1.9M
-960K
-1.3M
-534.9K
-5.7B
-7.5M
-11.2M
-22.5M
-188.8M
-167.4M
-164.3M
-22.3M
-3.4M
25.5B
29.1M
22.5M
34.5M
70.3M
131.5M
94M
19.7M
32.3M
-20.9B
-70.4M
-133.2M
-127.7M
-93.1M
-51.5M
-35.5M
-97.5M
-92M
-1.1B
-49.3M
-122.5M
-116.1M
-212.2M
-89.3M
-106.8M
-101.5M
-63.6M
FINANCING ACTIVITIES
-5.6M
-5M
-6.3M
-9.9M
-11.9M
-9.1M
113M
0.0
0.0
-13M
-6M
91M
0.0
10M
16M
12.7M
32.1M
11.7M
-5.8M
-5.7M
-5.9M
-4.4M
-9.3M
-1.8M
(0.0)
-500K
(0.0)
-5.6M
-5M
-6.3M
-9.9M
-11.9M
-9.1M
(0.0)
-7K
(0.0)
-3.4B
52.8M
35.9M
105.1M
207.3M
75.8M
-3.4M
60.3M
44.1M
-3.5B
36.1M
114.7M
90.8M
196.1M
80.9M
122.3M
91.9M
55.8M
CASH FLOW SUMMARY
11.4B
1.5M
4.3M
-7.1M
-25.7M
8.2M
25.6M
-1.2M
-1.6M
21.8B
20.2M
15.9M
23M
48.8M
40.6M
15M
16.2M
17.7M
33.1B
21.8M
20.2M
15.9M
23M
48.8M
40.6M
15M
16.2M
16B
14.3M
11.5M
17.8M
-10.2M
14.7M
9.1M
7.1M
5.7M

SEC Filings

RMBI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 27, 2026
May 27, 2026
2026
8-K

8-K 2026

N/A

May 22, 2026
May 22, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 12, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 05, 2026
May 05, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
S-4/A

S-4/A (Amended)

N/A

March 31, 2026
March 31, 2026
ย 
S-4

S-4

N/A

March 23, 2026
March 23, 2026
ย 
10-K

10-K 2025 FY

FY

March 23, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 11, 2026
February 11, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
Showing 1 to 10 of 118 filings