RMBI Richmond Mutual Bancorporation Inc
Price (delayed)
$12.64
Market cap
$137.88M
P/E Ratio
14.53
Dividend/share
$0.56
EPS
$0.87
Enterprise value
$370.71M
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 equity has grown by 18% YoY and by 7% from the previous quarter
The net income has declined by 18% year-on-year but it is up by 6% since the previous quarter
The EPS has declined by 16% year-on-year but it has grown by 7% since the previous quarter
Richmond Mutual Bancorporation's debt has increased by 6% YoY
The stock's P/E is 6% more than its 5-year quarterly average of 13.6 and 4.9% more than its last 4 quarters average of 13.7
Key stats
What are the main financial stats of RMBI
Market
Valuations
Earnings
Shares outstanding
10.91M
Market cap
$137.88M
Enterprise value
$370.71M
Price to earnings (P/E)
14.53
Price to book (P/B)
0.99
Price to sales (P/S)
3.29
EV/EBIT
36.69
EV/EBITDA
33.22
EV/Sales
8.77
Revenue
$42.26M
Gross profit
$42.26M
Operating income
$10.34M
Net income
$8.84M
EBIT
$10.1M
EBITDA
$11.16M
Free cash flow
$11.22M
Per share
Balance sheet
Liquidity
EPS
$0.87
EPS diluted
$0.86
Free cash flow per share
$1.02
Book value per share
$12.74
Revenue per share
$3.84
TBVPS
$135.79
Total assets
$1.49B
Total liabilities
$1.35B
Debt
$252.7M
Equity
$140.03M
Working capital
N/A
Debt to equity
1.8
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
20.86
Margins
Efficiency
Dividend
EBITDA margin
26.4%
Gross margin
100%
Net margin
20.9%
Operating margin
24.5%
Return on assets
0.6%
Return on equity
6.6%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
23.9%
Dividend yield
4.43%
DPS
$0.56
Payout ratio
64.4%
RMBI stock price
How has the Richmond Mutual Bancorporation stock price performed over time
Intraday
1.12%
1 week
-7.87%
1 month
-7.94%
1 year
12.56%
YTD
-10.67%
QTD
-10.67%
Financial performance
How have Richmond Mutual Bancorporation's revenue and profit performed over time
Revenue
$42.26M
Gross profit
$42.26M
Operating income
$10.34M
Net income
$8.84M
Gross margin
100%
Net margin
20.9%
Richmond Mutual Bancorporation's operating income has decreased by 20% YoY but it has increased by 7% QoQ
The net income has declined by 18% year-on-year but it is up by 6% since the previous quarter
The operating margin has declined by 18% year-on-year but it rose by 5% since the previous quarter
Richmond Mutual Bancorporation's net margin has decreased by 16% YoY but it has increased by 4.5% QoQ
Growth
What is Richmond Mutual Bancorporation's growth rate over time
Valuation
What is Richmond Mutual Bancorporation stock price valuation
P/E
14.53
P/B
0.99
P/S
3.29
EV/EBIT
36.69
EV/EBITDA
33.22
EV/Sales
8.77
The EPS has declined by 16% year-on-year but it has grown by 7% since the previous quarter
The stock's P/E is 6% more than its 5-year quarterly average of 13.6 and 4.9% more than its last 4 quarters average of 13.7
The equity has grown by 18% YoY and by 7% from the previous quarter
The price to book (P/B) is 2% lower than the 5-year quarterly average of 1.0 and 2% lower than the last 4 quarters average of 1.0
RMBI's price to sales (P/S) is 17% lower than its 5-year quarterly average of 3.9 but 4.8% higher than its last 4 quarters average of 3.1
The company's revenue fell by 2.7% YoY
Efficiency
How efficient is Richmond Mutual Bancorporation business performance
The ROIC has declined by 25% year-on-year
The company's return on assets fell by 25% YoY
The company's return on equity fell by 21% YoY but it rose by 3.1% QoQ
The return on sales has declined by 19% year-on-year but it has grown by 4.8% since the previous quarter
Dividends
What is RMBI's dividend history
DPS
$0.56
Dividend yield
4.43%
Payout ratio
64.4%
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
Richmond Mutual Bancorporation's total assets has increased by 4.9% YoY
The total liabilities rose by 3.7% year-on-year
Richmond Mutual Bancorporation's debt is 80% higher than its equity
The equity has grown by 18% YoY and by 7% from the previous quarter
The company's debt to equity fell by 10% YoY and by 7% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.