RMBINasdaqState Commercial BanksFiscal year ends December 31
Richmond Mutual Bancorporation, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$15.29−0.05 (-0.33%)
Close on Oct 19, 2026
- Market cap
- $151.58M
- P/E (TTM)
- 12.6
- Dividend yield
- 3.92%
Margins
Share of revenue, fiscal years 2017 to 2025
Net margin
23.7%−1.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +12.5% | +1.7% | +4.0% | – | |
| Net income | +23.5% | -3.7% | +2.9% | – | |
| EPS, diluted | +27.2% | 0.0% | +7.4% | – | |
| Free cash flow | +2.2% | -6.3% | -0.1% | – | |
| Dividend per share | +7.1% | +14.5% | +32.0% | – |
Returns and balance sheet
9 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2017 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 5.3% | 8.3% | |
| Return on assets | – | 1.0% | 0.8% | |
| Capex to revenue | – | 4.7% | 2.8% | |
| Diluted shares | – | 12M | 10M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Richmond Mutual Bancorporation generated $70.64M from operations and spent $73.24M on capital expenditure, dividends and share buybacks. 5% of that went back into the business.
Generated
$70.64M
Used
$73.24M
Capital expenditure$3.41M5%Dividends$31.14M43%Share buybacks$38.70M53%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin23.7%
×Asset turnover0.03×
×Equity multiplier10.88×
=Return on equity, FY20258.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 23.7% | 0.03× | 10.88× | 8.3% |
| FY2024 | 21.6% | 0.03× | 11.08× | 7.0% |
| FY2023 | 22.4% | 0.03× | 10.44× | 7.1% |
| FY2022 | 27.9% | 0.04× | 8.30× | 8.3% |
| FY2021 | 25.5% | 0.04× | 6.30× | 6.0% |
| FY2020 | 24.9% | 0.04× | 5.44× | 5.3% |
| FY2019 | -41.1% | 0.04× | 6.71× | -10.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$11.58M
- Cash generatingOperating cash flow above zero$15.97M
- Return on assets improvedROA up on the prior year0.6% → 0.8%
- Earnings backed by cashOperating cash flow above net income$15.97M vs $11.58M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise10M → 10M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03