Richmond Mutual Bancorporation (RMBI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Richmond Mutual Bancorporation

NasdaqCM•Financial Services•Banks - Regional

$15.79-0.37(-0.02%)After hours

Market Cap

$165.83M

P/E

13.8x

P/S

3.2x

P/B

1.1x

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.

How this company scores

WeakMetricSide Score: 72/100

Grade capped at D — Interest coverage below 1× (0.3x) — earnings cannot cover interest. Strongest: Growth (25/25); weakest: Balance Sheet & Red Flags (11/25).

Profitability18/25

Growth25/25

Balance Sheet & Red Flags11/25

Cash & Earnings Quality18/25

Strengths

Growing revenueStrong marginsRising earningsCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.3x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.8x5y range 9.2x – 18.2x

Currently near its 20-quarter median.

P/S · 3.2x5y range 2.5x – 4.8x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.9x – 1.3x

Price & Volume

Market Cap $165.83M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $52.05M
Q. Revenue: $13.65M
TTM EBITDA: $15.71M
TTM Op. Income: $14.36M
Q. Op. Income: $2.66M
TTM Net Income: $12.02M
Q. Net Income: $2.23M
EPS: $0.23
Shares Out.: $10.50M

$52.05M in TTM revenue grew 15.5% YoY, reaching $13.65M last quarter. TTM EBITDA of $15.71M and TTM operating income of $14.36M show growth is flowing through to the bottom line. TTM net income of $12.02M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 21.1%
Op. Margin: 19.5%
Net Margin: 16.3%

Op. margin of 19.5% is down 5.7% YoY — costs are rising relative to revenue. Net margin at 16.3% Across the last 8 quarters, operating margin has fallen for 3 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.8x
P/S Ratio: 3.2x
P/B Ratio: 1.1x

At 13.8x P/E, the stock trades below typical market levels. P/S of 3.2x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 9% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.55B
Cash: $34.72M
Long-Term Debt: $244.00M
Book Value: $148.27M
D/E Ratio: 1.6
Debt/EBITDA: 84.5

With $1.55B in assets and $244.00M in long-term debt, D/E is 1.6and book value is $148.27M — moderate leverage. Over the past year, debt/equity is down 18% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $3.03M
TTM Free Cash Flow: $13.49M
FCF Margin: 25.9%
FCF / Net Income: 1.1

TTM FCF of $13.49M on $3.03M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 14% — a weakening trend.