Richmond Mutual Bancorporation, Inc. (RMBI) Key Metrics
RMBI valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $246.0M
- Enterprise value
- $451.6M
- P/E (TTM)
- 12.6 10-yr median 14.1
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 4.9 10-yr median 2.5
- Price / book
- 1.6 10-yr median 1.0
- EV / EBITDA
- — 10-yr median 6.8
- Dividend yield
- 3.91% $0.60 a year
- Beta
- 0.34
RMBI key metrics, 2017–2025
Fiscal year ended December 31, 2025 · U.S. dollarsRMBI valuation Price multiples at each fiscal year-end price.
RMBI returns How much profit the business earns on the capital it uses.
RMBI per-share figures Results divided by the shares outstanding at year-end.
RMBI financial health Debt, liquidity and how easily interest is covered.
RMBI efficiency & capital use Working capital cycle and where the cash goes.
RMBI valuation history
RMBI returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
RMBI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
RMBI cash returned to shareholders
RMBI price vs earnings per share
RMBI key metrics
2017–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|
| Valuation | |||||||||
| Market capitalization | $138.1M | $144.7M | $120.3M | $143.9M | $186.7M | $167.8M | $198.9M | — | — |
| Enterprise value | $103.0M | $382.2M | $88.4M | $22.6M | −$13.9M | $44.6M | $110.5M | — | — |
| P/E ratio | 11.9 | 15.4 | 12.7 | 11.1 | 16.8 | 16.8 | — | — | — |
| Price / sales | 1.5 | 1.7 | 1.7 | 2.5 | 3.6 | 3.4 | 4.4 | — | — |
| Price / book | 0.9 | 1.1 | 0.9 | 1.1 | 1.0 | 0.9 | 1.1 | — | — |
| Price / free cash flow | 9.5 | 10.1 | 10.5 | 8.1 | — | 11.4 | 21.8 | — | — |
| Price / operating cash flow | 8.6 | 9.8 | 9.9 | 7.9 | — | 10.1 | 19.7 | — | — |
| EV / sales | 1.1 | 4.5 | 1.2 | 0.4 | -0.3 | 0.9 | 2.4 | — | — |
| EV / EBITDA | 6.8 | 32.1 | 7.2 | 1.3 | — | 3.2 | — | — | — |
| EV / free cash flow | 7.0 | 26.7 | 7.7 | 1.3 | — | 3.0 | 12.1 | — | — |
| Earnings yield | 8.4% | 6.5% | 7.9% | 9.0% | 6.0% | 6.0% | −7.1% | — | — |
| Free cash flow yield | 10.6% | 9.9% | 9.6% | 12.4% | −5.5% | 8.8% | 4.6% | — | — |
| Dividend yield | 4.2% | 3.9% | 4.9% | 3.1% | 5.0% | 1.1% | 0.9% | — | — |
| Shareholder yield (dividends + buybacks) | 8.3% | 7.4% | 10.1% | 9.9% | 11.4% | 6.5% | 0.9% | — | — |
| Share price at fiscal year-end | $14.04 | $14.15 | $11.51 | $13.01 | $16.05 | $13.66 | $15.96 | — | — |
| Per share | |||||||||
| Revenue per share | $9.24 | $8.31 | $6.87 | $5.12 | $4.40 | $4.03 | $3.63 | $3.02 | $2.54 |
| Earnings per share | $1.18 | $0.92 | $0.91 | $1.17 | $0.96 | $0.82 | −$1.13 | $0.44 | $0.21 |
| Operating cash flow per share | $1.62 | $1.44 | $1.16 | $1.64 | −$0.83 | $1.35 | $0.81 | $0.65 | $0.48 |
| Free cash flow per share | $1.49 | $1.40 | $1.10 | $1.61 | −$0.88 | $1.20 | $0.73 | $0.55 | $0.44 |
| Cash per share | $29.20 | $2.69 | $28.99 | $27.25 | $32.72 | $23.87 | $19.45 | $10.55 | $10.34 |
| Book value per share | $14.82 | $12.99 | $12.90 | $11.97 | $15.52 | $15.69 | $15.07 | $6.59 | $6.28 |
| Tangible book value per share | $14.63 | $12.80 | $12.72 | $11.79 | $15.37 | $15.55 | $14.98 | $6.50 | $6.20 |
| Dividends per share | $0.59 | $0.56 | $0.57 | $0.40 | $0.80 | $0.15 | $0.15 | $0.04 | $0.04 |
| Capex per share | $0.14 | $0.05 | $0.06 | $0.03 | $0.05 | $0.15 | $0.08 | $0.10 | $0.04 |
| Debt per share | $25.63 | $25.91 | $25.93 | $16.28 | $15.47 | $13.84 | $12.36 | $10.45 | $7.98 |
| Shares outstanding | 9.8M | 10.2M | 10.5M | 11.1M | 11.6M | 12.3M | 12.5M | 13.0M | 13.0M |
| Change in shares outstanding | −3.9% | −2.1% | −5.5% | −4.9% | −5.3% | −1.4% | −4.3% | 0.0% | — |
| Returns & profitability | |||||||||
| Return on equity (ROE) | 8.3% | 7.0% | 7.1% | 8.3% | 6.0% | 5.3% | −10.3% | 6.8% | 3.3% |
| Return on invested capital (ROIC) | 5.0% | 4.0% | 16.6% | — | — | 11.9% | −16.6% | 8.4% | 5.6% |
| Return on assets (ROA) | 0.8% | 0.6% | 0.7% | 1.0% | 0.9% | 1.0% | −1.5% | 0.7% | 0.4% |
| Return on tangible assets | 0.8% | 0.6% | 0.7% | 1.0% | 0.9% | 0.9% | −1.4% | 0.7% | 0.4% |
| Free cash flow margin | 16.1% | 16.8% | 16.0% | 31.4% | −20.0% | 29.7% | 20.2% | 18.1% | 17.2% |
| Income quality (OCF / net income) | 1.38 | 1.57 | 1.28 | 1.40 | −0.87 | 1.65 | — | 1.49 | 2.29 |
| Financial health | |||||||||
| Total debt | $252.0M | $265.0M | $271.0M | $180.0M | $180.0M | $170.0M | $154.0M | $136.1M | $104.0M |
| Cash & short-term investments | $287.1M | $27.5M | $302.9M | $301.3M | $380.6M | $293.3M | $242.4M | $137.5M | $134.7M |
| Net debt | −$35.1M | $237.5M | −$31.9M | −$121.3M | −$200.6M | −$123.3M | −$88.4M | −$1.4M | −$30.7M |
| Debt / equity | 1.73 | 1.99 | 2.01 | 1.36 | 1.00 | 0.88 | 0.82 | 1.59 | 1.27 |
| Debt / assets | 0.17 | 0.18 | 0.19 | 0.14 | 0.14 | 0.16 | 0.16 | 0.16 | 0.14 |
| Net debt / EBITDA | −2.32 | 19.94 | −2.62 | −7.12 | −13.27 | −8.83 | — | −0.17 | −4.45 |
| Current ratio | 0.26 | 0.16 | 0.44 | 0.44 | 0.57 | 0.60 | 0.57 | 0.40 | 0.42 |
| Quick ratio | 0.26 | 0.16 | 6.01 | −4.09 | 0.60 | 0.68 | 0.65 | 0.40 | 0.42 |
| Interest coverage | 0.3 | 0.3 | 0.4 | 1.5 | 1.8 | 1.3 | -1.7 | 0.9 | 1.1 |
| Working capital | −$824.9M | −$919.6M | −$582.1M | −$568.3M | −$388.9M | −$278.1M | −$262.5M | −$373.3M | −$323.7M |
| Invested capital | $110.7M | $370.3M | $102.9M | $11.1M | −$20.1M | $69.4M | $99.4M | $84.5M | $51.1M |
| Tangible asset value | $143.9M | $130.9M | $132.9M | $130.4M | $178.8M | $191.0M | $186.8M | $84.6M | $80.8M |
| Net current asset value | −$1.09B | −$1.19B | −$862.7M | −$757.3M | −$575.6M | −$476.3M | −$443.2M | −$515.9M | −$434.9M |
| Graham number | $19.81 | $16.37 | $16.23 | $17.77 | $18.29 | $16.96 | — | $8.04 | $5.43 |
| Graham net-net per share | −$110.65 | −$120.32 | −$365.00 | $134.20 | −$53.47 | −$43.43 | −$39.57 | −$41.72 | −$35.34 |
| Capital allocation | |||||||||
| Dividends paid | $5.8M | $5.7M | $5.9M | $4.4M | $9.3M | $1.8M | $1.8M | $500,000 | $500,000 |
| Share buybacks (net) | $5.6M | $5.0M | $6.3M | $9.9M | $11.9M | $9.1M | $0 | $7,000 | $0 |
| Dividend payout ratio | 50.4% | 60.8% | 62.4% | 34.0% | 83.2% | 18.4% | — | 8.8% | 18.4% |
| Dividends + buybacks / free cash flow | 78.5% | 75.1% | 105.9% | 80.3% | — | 74.3% | 20.1% | 7.1% | 8.8% |
| Capex / revenue | 1.5% | 0.5% | 0.9% | 0.7% | 1.1% | 3.8% | 2.1% | 3.4% | 1.6% |
| Capex / operating cash flow | 8.5% | 3.1% | 5.1% | 2.1% | — | 11.3% | 9.5% | 15.7% | 8.6% |
| Capex / depreciation | 1.24 | 0.44 | 0.52 | 0.30 | 0.38 | 1.28 | 0.88 | 1.19 | 0.44 |
| Stock-based compensation / revenue | 1.7% | 2.5% | 3.1% | 4.1% | 5.1% | 2.9% | 0.7% | 5.6% | 5.2% |
| SG&A / revenue | 16.7% | 23.8% | 26.4% | 34.3% | 37.1% | 35.1% | 84.1% | 42.1% | 46.1% |
| Efficiency | |||||||||
| Days sales outstanding | 317.2 | 669.8 | 755.9 | 864.1 | 901.0 | 864.0 | 899.9 | 985.2 | 1,129.3 |
| Days of inventory on hand | — | — | -7,668.4 | 76,312.1 | -1,616.4 | -1,346.6 | -576.8 | 4.1 | 1.9 |
| Days payables outstanding | 34.5 | 39.8 | 34.8 | 27.5 | 9.6 | 7.2 | 11.2 | 15.3 | 13.1 |
| Cash conversion cycle (days) | 282.6 | 630.0 | -6,947.2 | 77,148.8 | -725.0 | -489.7 | 311.9 | 974.0 | 1,118.0 |
| Receivables turnover | 1.15 | 0.54 | 0.48 | 0.42 | 0.41 | 0.42 | 0.41 | 0.37 | 0.32 |
| Payables turnover | 10.57 | 9.18 | 10.50 | 13.30 | 37.95 | 50.74 | 32.46 | 23.93 | 27.85 |
| Inventory turnover | — | — | — | 0.00 | — | — | — | 89.83 | 194.71 |
| Asset turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Average receivables | $79.0M | $156.1M | $148.7M | $134.0M | $126.4M | $117.3M | $111.5M | $106.3M | $102.2M |
| Average payables | $4.1M | $4.6M | $2.9M | $813,692 | $240,075 | $259,446 | $423,762 | $394,221 | $237,693 |
| Average inventory | — | — | −$636.2M | $2.26B | −$40.4M | −$48.6M | −$21.7M | $105,000 | $34,000 |
| Intangibles / total assets | 0.1% | 0.1% | 0.1% | 0.2% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% |
Computed from RMBI's annual financial statements (latest annual report filed March 23, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
RMBI valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Richmond Mutual Bancorporation traded at 11.9 times earnings, against a 9-year median of 14.1. Based on the latest twelve months, the trailing P/E is 12.6. Richmond Mutual Bancorporation earned a return on equity of 8.3% and a return on invested capital of 5.0% in fiscal 2025. It ended the year with $252.0 million of debt and $287.1 million in cash and short-term investments, a net cash position of $35.1 million. It returned $11.5 million to shareholders: $5.8 million in dividends and $5.6 million in share buybacks, 79% of free cash flow. The share count fell 24.5% from 13.0M to 9.8M over 8 years.
See the RMBI income statement, the RMBI chart for price history, or the RMBI stock overview for the latest quote and news.
RMBI key metrics FAQ
What is Richmond Mutual Bancorporation's P/E ratio?
Richmond Mutual Bancorporation's trailing P/E ratio is 12.6 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 11.9, compared with a 9-year median of 14.1.
What is Richmond Mutual Bancorporation's EV/EBITDA?
Richmond Mutual Bancorporation's enterprise value was 6.8 times EBITDA at the end of fiscal 2025 (enterprise value $103.0 million, EBITDA $15.2 million).
What is Richmond Mutual Bancorporation's return on equity?
Richmond Mutual Bancorporation's return on equity (ROE) was 8.3% in fiscal 2025: net income of $11.6 million on average shareholders' equity of $139.3 million.
What is Richmond Mutual Bancorporation's ROIC?
Richmond Mutual Bancorporation's return on invested capital was 5.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Richmond Mutual Bancorporation have?
Richmond Mutual Bancorporation had total debt of $252.0 million at the end of fiscal 2025, a debt-to-equity ratio of 1.73 and more cash than debt.
What is Richmond Mutual Bancorporation's dividend yield?
Richmond Mutual Bancorporation's forward dividend yield is 3.91%. Richmond Mutual Bancorporation paid $5.8 million in dividends in fiscal 2025 ($0.59 per share), a payout ratio of 50.4%.
Does Richmond Mutual Bancorporation buy back its shares?
Yes. Richmond Mutual Bancorporation spent $5.6 million on net share repurchases in fiscal 2025 Shares outstanding changed −3.9% over the year, to 9.8M..
What is Richmond Mutual Bancorporation's free cash flow yield?
Richmond Mutual Bancorporation generated $14.6 million of free cash flow in fiscal 2025, a free cash flow yield of 10.6% on its market value at year-end ($138.1 million).
What is Richmond Mutual Bancorporation's current ratio?
Richmond Mutual Bancorporation's current ratio was 0.26 at the end of fiscal 2025: current assets were 0.26 times current liabilities.