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Page: Company Financials

Richmond Mutual Bancorporation, Inc.

Ticker: RMBI | Industry: Banks - Regional | Sector: Financial Services
$14.00 -0.31 (-2.17%)
As of: 2026-01-15

Master Data Export

Enterprise Value

Metric MRQ MRQ-1 2025 2024 2023 2022 2021 2020 2019 2018
Stock Price 14.21 13.80 13.60 12.55 11.02 14.37 15.07 11.42 14.31 13.65
Market Capitalization 137.62M 133.85M 132.48M 126.42M 114.49M 155.01M 171.20M 139.74M 182.14M 177.81M
(-) Cash & Equivalents 20.96M 27.51M 25.27M 20.31M 19.24M 17.44M 31.37M 50.88M 78.83M 3.74M
(+) Total Debt 0.00M 267.00M 180.33M 260.50M 229.75M 182.25M 185.25M 177.00M 149.30M 34.03M
Enterprise Value 116.67M 373.33M 287.54M 366.61M 325.00M 319.82M 325.08M 265.86M 252.61M 208.10M

Income Statement

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31
Revenue 89M 83M 85M 72M 57M 51M 50M 45M 39M 33M
Cost of Revenue 44M 41M 42M 30M 11M 9M 13M 14M 9M 7M
Gross Profit 45M 42M 43M 42M 46M 42M 36M 31M 30M 26M
Gross Profit Margin 50.2% 50.7% 50.2% 57.8% 80.9% 82.2% 73.4% 69.6% 76.1% 80.0%
R&D Expenses 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M
SG&A Expenses 20M 18M 20M 19M 19M 19M 17M 38M 17M 15M
Operating Expenses 32M 32M 32M 31M 30M 29M 24M 51M 23M 21M
Operating Income (EBIT) 13M 10M 11M 11M 16M 14M 12M -19M 7M 6M
Operating Income Margin 14.0% 12.3% 12.8% 15.3% 27.8% 26.5% 25.2% -42.8% 17.7% 17.2%
Interest Income 85M 78M 81M 67M 52M 46M 43M 42M 35M 29M
Interest Expense 43M 40M 42M 30M 10M 8M 9M 11M 8M 5M
Net Interest Income 42M 38M 39M 38M 42M 38M 33M 30M 27M 24M
Unusual Items -42M -38M -39M -38M -42M -38M -33M -30M -27M -24M
EBT Excluding Unusual Items 55M 48M 50M 49M 57M 52M 46M 11M 34M 30M
Pre-Tax Income 12M 10M 11M 11M 16M 14M 12M -19M 7M 6M
Pre-Tax Margin 14.0% 12.2% 12.8% 15.3% 27.8% 26.5% 25.2% -42.8% 17.7% 17.2%
Income Tax Expense 2M 1M 1M 2M 3M 2M 2M -5M 1M 3M
Net Income 11M 9M 9M 9M 13M 11M 10M -14M 6M 3M
Net Income Margin 11.9% 10.7% 11.0% 13.2% 22.9% 21.8% 20.2% -31.1% 14.4% 8.2%
Depreciation & Amortization 1M 1M 1M 1M 1M 2M 1M 1M 1M 1M
EBITDA 14M 11M 12M 12M 17M 15M 14M -18M 8M 7M
EBITDA Margin 15.2% 13.5% 14.0% 17.0% 30.1% 29.5% 28.2% -40.4% 20.5% 20.9%
NOPAT 11M 9M 9M 9M 13M 11M 10M -15M 6M 3M
NOPAT Margin 12.0% 10.7% 11.0% 13.2% 22.9% 21.8% 20.2% -33.8% 14.4% 8.2%
Owner's Earnings 10M 9M 10M 10M 14M 12M 10M -14M 5M 3M
Owner's Earnings Margin 11.7% 11.3% 11.7% 14.0% 24.5% 23.6% 19.4% -30.8% 13.9% 10.3%
EPS (Basic) 1.09 0.87 0.93 0.91 1.20 0.98 0.82 -1.27 0.44 0.21
EPS (Diluted) 1.06 0.87 0.92 0.91 1.17 0.96 0.82 -1.13 0.44 0.21
Shares (Basic) 10M 10M 10M 10M 11M 11M 12M 12M 13M 13M
Shares (Diluted) 10M 10M 10M 10M 11M 12M 12M 12M 13M 13M

Balance Sheet

Metric MRQ MRQ-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31
Cash & Cash Equivalents 34.26M 27.51M 22.06M 20.24M 16.41M 23.04M 48.77M 40.60M 14.97M 16.37M
Short-Term Investments 96.67M 249.35M 5.49M 282.69M 284.90M 357.54M 244.51M 201.78M 122.48M 118.36M
Cash & Short-Term Investments 130.94M 276.86M 27.55M 302.93M 301.31M 380.58M 293.27M 242.38M 137.45M 134.73M
Net Receivables 149.46M 150.88M 151.66M 160.49M 136.98M 130.95M 121.87M 112.64M 110.42M 102.21M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Current Assets 280.40M 427.74M 179.21M 463.42M 438.30M 511.53M 415.15M 355.03M 247.88M 236.94M
Property, Plant & Equipment 13.43M 13.19M 12.92M 13.31M 13.67M 14.35M 14.89M 14.09M 14.03M 13.59M
Goodwill 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Intangible Assets 1.90M 1.93M 1.95M 1.95M 2.01M 1.65M 1.71M 1.03M 1.23M 1.04M
Long-Term Investments 1,192.59M 1,026.24M 1,270.54M 941.17M 836.56M 715.68M 631.45M 593.58M 568.10M 482.88M
Tax Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Non-Current Assets 37.25M 38.67M 40.25M 41.18M 37.49M 24.43M 20.99M 22.31M 18.39M 19.17M
Other Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Non-Current Assets 1,245.17M 1,080.02M 1,325.66M 997.61M 889.73M 756.11M 669.04M 631.02M 601.74M 516.69M
Total Assets 1,525.57M 1,507.76M 1,504.87M 1,461.02M 1,328.03M 1,267.64M 1,084.19M 986.04M 849.62M 753.62M
Accounts Payable 2.91M 3.84M 4.83M 4.40M 1.37M 0.26M 0.22M 0.30M 0.55M 0.24M
Short-Term Debt 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Tax Payables 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Revenue 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Liabilities 1,118.26M 1,096.39M 1,093.94M 1,041.14M 1,005.26M 900.18M 693.05M 617.22M 620.64M 560.40M
Total Current Liabilities 1,121.17M 1,100.23M 1,098.77M 1,045.54M 1,006.63M 900.43M 693.27M 617.52M 621.19M 560.63M
Long-Term Debt 254.00M 267.00M 265.00M 271.00M 180.00M 180.00M 170.00M 154.00M 136.10M 104.00M
Capital Lease Obligations 0.00M 0.00M 0.00M 0.44M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Tax Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.57M 0.57M
Other Non-Current Liabilities 10.36M 8.21M 8.23M 9.63M 9.01M 6.72M 28.21M 26.74M 6.48M 7.19M
Total Non-Current Liabilities 264.36M 275.21M 273.23M 281.07M 189.01M 186.72M 198.21M 180.74M 143.15M 111.76M
Total Liabilities 1,385.53M 1,375.44M 1,372.00M 1,326.60M 1,195.64M 1,087.16M 891.48M 798.25M 764.34M 672.39M
Preferred Stock 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Stock 0.10M 0.10M 0.11M 0.11M 0.12M 0.12M 0.13M 0.14M 0.00M 0.00M
Retained Earnings 95.37M 93.22M 91.58M 87.90M 88.12M 80.16M 78.29M 70.11M 77.48M 71.77M
Accumulated OCI -38.11M -43.45M -45.81M -43.05M -49.75M -1.21M 3.71M -0.66M -4.38M -2.73M
Minority Interest 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Shareholders’ Equity 57.37M 49.88M 45.88M 44.97M 38.49M 79.07M 82.13M 69.59M 73.10M 69.04M
Total Equity 57.37M 49.88M 45.88M 44.97M 38.49M 79.07M 82.13M 69.59M 73.10M 69.04M
Total Liabilities & Equity 1,442.90M 1,425.32M 1,417.89M 1,371.57M 1,234.13M 1,166.23M 973.61M 867.84M 837.44M 741.43M
Tangible Assets 1,523.67M 1,505.83M 1,502.92M 1,459.08M 1,326.01M 1,265.99M 1,082.48M 985.01M 848.39M 752.58M
Tangible Equity 55.47M 47.95M 43.93M 43.03M 36.48M 77.42M 80.42M 68.55M 71.88M 68.00M
Tangible Book Value 55.47M 47.95M 43.93M 43.03M 36.48M 77.42M 80.42M 68.55M 71.88M 68.00M
Total Investments 1,289.26M 1,275.58M 1,276.03M 1,223.86M 1,121.46M 1,073.22M 875.96M 795.37M 690.58M 601.24M
Net Debt 219.74M 239.49M 242.94M 250.76M 163.59M 156.96M 121.23M 113.40M 121.13M 87.63M

Capital Metrics

Metric MRQ MRQ-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31
Working Capital -840.8M -672.5M -919.6M -582.1M -568.3M -388.9M -278.1M -262.5M -373.3M -323.7M
Total Capital 394.0M 399.3M 397.9M 405.9M 312.4M 360.5M 362.7M 341.8M 222.0M 185.8M
Capital Employed 404.4M 407.5M 406.1M 415.5M 321.4M 367.2M 390.9M 368.5M 228.4M 193.0M
Invested Capital 359.8M 371.8M 375.8M 385.6M 296.0M 337.4M 313.9M 301.2M 207.0M 169.4M

Cash Flow Statement

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31
Net Income 10.64M 8.84M 9.38M 9.49M 12.97M 11.15M 10.02M -14.08M 5.68M 2.72M
Depreciation & Amortization 1.08M 1.06M 1.04M 1.19M 1.29M 1.54M 1.47M 1.09M 1.11M 1.22M
Deferred Income Tax -0.17M 0.64M 0.16M 0.64M 1.04M 2.27M -0.04M -6.24M 0.94M 2.17M
Stock-Based Compensation 1.86M 2.20M 2.14M 2.24M 2.34M 2.61M 1.46M 0.32M 0.00M 0.00M
Change in Working Capital 3.91M -0.98M 1.61M -1.88M 0.73M -6.54M 0.83M 1.86M -0.96M -1.29M
Accounts Receivable 0.04M -0.56M -0.19M -1.13M -0.52M 0.51M -1.65M -0.37M -0.42M -0.12M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Accounts Payable -0.52M -0.24M 0.43M 3.03M 1.11M 0.04M -0.07M -0.25M 0.31M -0.16M
Other Working Capital 4.39M -0.19M 1.36M -3.77M 0.14M -7.09M 2.55M 2.48M -0.85M -1.01M
Other Non-Cash Items 2.77M -0.01M 0.43M 0.44M -0.20M -20.66M 2.84M 27.16M 1.69M 1.39M
Net Cash from Operating Activities 20.09M 11.75M 14.75M 12.11M 18.16M -9.65M 16.58M 10.10M 8.46M 6.22M
Capital Expenditures (PPE) -1.28M -0.54M -0.46M -0.62M -0.39M -0.58M -1.88M -0.96M -1.33M -0.53M
Acquisitions (Net) 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Purchases of Investments -8.79M -5.19M -7.50M -11.24M -22.53M -188.84M -167.38M -164.29M -22.34M -3.36M
Sales / Maturities of Investments 27.03M 28.49M 29.09M 22.53M 34.54M 70.29M 131.51M 93.96M 19.65M 32.30M
Other Investing Activities -40.26M -74.97M -70.42M -133.20M -127.74M -93.06M -51.51M -35.47M -97.52M -91.99M
Net Cash from Investing Activities -23.30M -52.24M -49.30M -122.53M -116.12M -212.19M -89.26M -106.77M -101.54M -63.58M
Net Debt Issuance 2.00M 14.00M -6.00M 91.00M 0.00M 10.00M 16.00M 12.69M 32.10M 11.70M
Long-Term Debt Issuance 2.00M 14.00M -6.00M 91.00M 0.00M 10.00M 16.00M 12.69M 32.10M 11.70M
Short-Term Debt Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Stock Issuance -7.58M -4.07M -5.04M -6.25M -9.86M -11.91M -9.08M 113.02M -0.01M 0.00M
Common Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 113.02M 520.04M 0.00M
Common Stock Repurchased -7.58M -4.07M -5.04M -6.25M -9.86M -11.91M -9.08M 0.00M -0.01M 0.00M
Preferred Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -0.01M 0.00M
Net Dividends Paid -5.78M -5.74M -5.70M -5.92M -4.41M -9.28M -1.84M 0.00M -0.50M 0.00M
Common Dividends Paid -5.78M -5.74M -5.70M -5.92M -4.41M -9.28M -1.84M 0.00M -0.50M 0.00M
Preferred Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Financing Activities 29.27M 35.22M 52.80M 35.91M 105.11M 207.30M 75.77M -3.42M 60.28M 44.11M
Net Cash from Financing Activities 17.90M 39.41M 36.06M 114.74M 90.85M 196.11M 80.85M 122.30M 91.88M 55.81M
Effect of FX on Cash 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Change in Cash 14.69M -1.08M 1.52M 4.32M -7.12M -25.73M 8.17M 25.63M -1.20M -1.55M
Cash at Beginning of Period 95.57M 80.20M 20.24M 15.92M 23.04M 48.77M 40.60M 14.97M 16.17M 17.72M
Cash at End of Period 110.27M 79.12M 21.76M 20.24M 15.92M 23.04M 48.77M 40.60M 14.97M 16.17M
Operating Cash Flow 20.09M 11.75M 14.75M 12.11M 18.16M -9.65M 16.58M 10.10M 8.46M 6.22M
Capital Expenditure -1.28M -0.54M -0.46M -0.62M -0.39M -0.58M -1.88M -0.96M -1.33M -0.53M
Free Cash Flow 18.81M 11.21M 14.29M 11.50M 17.78M -10.23M 14.69M 9.14M 7.13M 5.68M

Free Cash Flow

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31
EBITDA 25.74M 25.32M 23.47M 23.74M 27.63M 24.63M 20.47M -5.46M 14.50M 12.41M
(-) Tax Adjustment 3.79M 3.16M 3.21M 3.27M 4.88M 4.42M 4.06M -1.49M 2.66M 4.34M
(-) Change In Working Capital 3.91M -0.98M 1.61M -1.88M 0.73M -6.54M 0.83M 1.86M -0.96M -1.29M
(-) Capital Expenditure -1.28M -0.54M -0.46M -0.62M -0.39M -0.58M -1.88M -0.96M -1.33M -0.53M
Unlevered Free Cash Flow 16.77M 22.61M 18.19M 21.73M 21.62M 26.17M 13.70M -6.78M 11.46M 8.82M
(-) Net Interest Income After Taxes 35.98M 33.41M 33.41M 32.47M 34.28M 31.38M 26.83M 22.10M 22.40M 15.51M
Net Debt Issuance 2.00M 14.00M -6.00M 91.00M 0.00M 10.00M 16.00M 12.69M 32.10M 11.70M
Levered Free Cash Flow -17.21M 3.20M -21.22M 80.26M -12.66M 4.79M 2.87M -16.19M 21.16M 5.01M