Richmond Mutual Bancorporation, Inc.

Richmond Mutual Bancorporation, Inc.

RMBI·NASDAQ

$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+61.0%
5Y+83.0%
10Y+175.0%
3Y-11.0%
5Y+16.0%
10Y+326.0%
3Y+87836.0%
5Y+96246.0%
10Y+256832.0%
Richmond Mutual Bancorporation, Inc.

Richmond Mutual Bancorporation, Inc. Profit Bridge

RMBI · NASDAQ
Revenue90.89M
Cost of Goods Sold (43.81M)
Gross Profit47.04M
Operating Expenses (32.98M)
Operating Income14.06M
Interest Expense (42.06M)
Other Income/Expense-409.00K
Pretax Income13.65M
Income Tax (2.08M)
Net Income11.58M
Net Income
11.58M

Profitability Analysis

Gross Margin

51.8%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

15.5%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

12.7%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

15.2%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.

Richmond Mutual Bancorporation, Inc. Income Statement

RMBI • NASDAQ

Richmond Mutual Bancorporation, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017
REVENUE
90.9M
85.1M
71.8M
56.6M
51.2M
49.5M
45.2M
39.4M
33M
GROSS PROFIT
(43.8M)
(42.4M)
(30.3M)
(10.8M)
(9.1M)
(13.2M)
(13.8M)
(9.4M)
(6.6M)
47M
42.7M
41.5M
45.8M
42.1M
36.4M
31.5M
30M
26.4M
OPERATING INCOME
(33M)
(31.8M)
(30.5M)
(30M)
(28.5M)
(23.9M)
(50.9M)
(23M)
(20.7M)
(15.2M)
(20.3M)
(19M)
(19.4M)
(19M)
(17.4M)
(38M)
(16.6M)
(15.2M)
14.1M
10.9M
11M
15.7M
13.6M
12.5M
-19.4M
7M
5.7M
PRE-TAX INCOME
(42.1M)
(41.8M)
(29.7M)
(10.2M)
(7.7M)
(9.4M)
(11.2M)
(7.8M)
(5.3M)
43.8M
38.7M
37.7M
41.6M
38.2M
33.5M
30.4M
27.4M
23.9M
(17.8M)
(11.6M)
(11.5M)
(10.6M)
(9.5M)
(6.5M)
(12.8M)
(6.4M)
(5.5M)
-409K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
13.7M
10.9M
11M
15.7M
13.6M
12.5M
-19.4M
7M
5.7M
NET INCOME
(2.1M)
(1.5M)
(1.5M)
(2.8M)
(2.4M)
(2.5M)
-5.3M
(1.3M)
(3M)
11.6M
9.4M
9.5M
13M
11.1M
10M
-14.1M
5.7M
2.7M

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
 
S-4

S-4

N/A

March 23, 2026
March 23, 2026
 
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