RMBI Richmond Mutual Bancorporation Inc
Price (delayed)
$12.75
Market cap
$133.82M
P/E Ratio
13.71
Dividend/share
$0.57
EPS
$0.93
Enterprise value
$377.35M
Richmond Mutual Bancorporation, Inc., headquartered in Richmond, Indiana, is the holding company for First Bank Richmond, a community-oriented financial institution offering traditional financial and trust services within its local communities
Highlights
The EPS has grown by 7% since the previous quarter and by 2.2% year-on-year
The net income is up by 6% since the previous quarter
Richmond Mutual Bancorporation's debt has increased by 5% QoQ but it has decreased by 2.2% YoY
The equity has contracted by 5% from the previous quarter
Key stats
What are the main financial stats of RMBI
Market
Valuations
Earnings
Shares outstanding
10.5M
Market cap
$133.82M
Enterprise value
$377.35M
Price to earnings (P/E)
13.71
Price to book (P/B)
1.05
Price to sales (P/S)
3.24
EV/EBIT
34.74
EV/EBITDA
31.69
EV/Sales
8.79
Revenue
$42.92M
Gross profit
$42.92M
Operating income
$11.09M
Net income
$9.38M
EBIT
$10.86M
EBITDA
$11.91M
Free cash flow
$14.3M
Per share
Balance sheet
Liquidity
EPS
$0.93
EPS diluted
$0.92
Free cash flow per share
$1.31
Book value per share
$12.18
Revenue per share
$3.93
TBVPS
$137.95
Total assets
$1.5B
Total liabilities
$1.37B
Debt
$265.59M
Equity
$132.87M
Working capital
N/A
Debt to equity
2
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
20.45
Margins
Efficiency
Dividend
EBITDA margin
27.7%
Gross margin
100%
Net margin
21.9%
Operating margin
25.9%
Return on assets
0.6%
Return on equity
7%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
25.3%
Dividend yield
4.47%
DPS
$0.57
Payout ratio
61.3%
RMBI stock price
How has the Richmond Mutual Bancorporation stock price performed over time
Intraday
-0.39%
1 week
-0.47%
1 month
-0.7%
1 year
9.91%
YTD
-9.89%
QTD
-0.39%
Financial performance
How have Richmond Mutual Bancorporation's revenue and profit performed over time
Revenue
$42.92M
Gross profit
$42.92M
Operating income
$11.09M
Net income
$9.38M
Gross margin
100%
Net margin
21.9%
Richmond Mutual Bancorporation's operating income has increased by 7% QoQ
The net income is up by 6% since the previous quarter
The operating margin rose by 6% since the previous quarter but it has declined by 3.4% year-on-year
Richmond Mutual Bancorporation's net margin has increased by 4.8% QoQ but it has decreased by 3.5% YoY
Growth
What is Richmond Mutual Bancorporation's growth rate over time
Valuation
What is Richmond Mutual Bancorporation stock price valuation
P/E
13.71
P/B
1.05
P/S
3.24
EV/EBIT
34.74
EV/EBITDA
31.69
EV/Sales
8.79
The EPS has grown by 7% since the previous quarter and by 2.2% year-on-year
The stock's P/E is 4.1% less than its last 4 quarters average of 14.3
The price to book (P/B) is 5% higher than the 5-year quarterly average of 1.0 and 5% higher than the last 4 quarters average of 1.0
The equity has contracted by 5% from the previous quarter
RMBI's price to sales (P/S) is 15% lower than its 5-year quarterly average of 3.8
The company's revenue rose by 2.8% YoY
Efficiency
How efficient is Richmond Mutual Bancorporation business performance
The company's return on assets fell by 14% YoY
The ROIC has declined by 14% year-on-year
The return on sales has grown by 6% since the previous quarter but it has declined by 4.2% year-on-year
The company's return on equity rose by 6% QoQ but it fell by 4.1% YoY
Dividends
What is RMBI's dividend history
DPS
$0.57
Dividend yield
4.47%
Payout ratio
61.3%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Richmond Mutual Bancorporation financials performed over time
Richmond Mutual Bancorporation's total assets is 10% higher than its total liabilities
The total liabilities rose by 3.5% year-on-year
Richmond Mutual Bancorporation's total assets has increased by 3% YoY
Richmond Mutual Bancorporation's debt is 100% higher than its equity
The company's debt to equity rose by 11% QoQ
The equity has contracted by 5% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.