Stocktoria

Richmond Mutual Bancorporation, Inc. RMBI

Nasdaq · stock · State Commercial Banks · website · IPO 2019-07-02

Richmond Mutual Bancorporation, Inc. statistics & valuation

Market cap$170.0M
P / E14.7×
P / B1.2×
P / FCF11.6×
Dividend yield3.43%
Return on equity7.9%
Graham number +19.1%$19.12

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($19.12); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
20182019202020212022202320242025
Operating margin (%)
20182019202020212022202320242025
Return on equity (%)
6.60% -7.50% 5.20% 6.20% 9.80% 7.00% 7.10% 7.90% 20182019202020212022202320242025
Shares outstanding
100 13.5M 13.4M 12.7M 12.0M 11.5M 11.0M 10.5M 20182019202020212022202320242025
Net debt ($)
20182019202020212022202320242025
Share buybacks ($)
20182019202020212022202320242025
Return on assets (%)
0.70% -1.40% 0.90% 0.90% 1.00% 0.60% 0.60% 0.80% 20182019202020212022202320242025
Free cash flow margin (%)
20182019202020212022202320242025
Debt / equity (×)
20182019202020212022202320242025
EPS ($)
-$1.27 $0.82 $0.96 $1.17 $0.91 $0.92 $1.17 20182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Richmond Mutual Bancorporation, Inc. trades at about 13.7× earnings — below its 10-year norm (10-year range 11.1×–16.8×, median 15.4×).

11.1× 16.8×

Shaded band = 10-year range (11.1×–16.8×); dot = today's 13.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Return on assets0.8%0.6%0.6%1.0%0.9%0.9%-1.4%0.7%
Return on equity7.9%7.1%7.0%9.8%6.2%5.2%-7.5%6.6%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.