RMBI Richmond Mutual Bancorporation Inc

Price (delayed)

$12.39

Market cap

$137.1M

P/E Ratio

14.24

Dividend/share

$0.56

EPS

$0.87

Enterprise value

$390.51M

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
Richmond Mutual Bancorporation's debt has increased by 49% YoY
The net income has declined by 30% year-on-year and by 6% since the previous quarter

Key stats

What are the main financial stats of RMBI
Market
Shares outstanding
11.07M
Market cap
$137.1M
Enterprise value
$390.51M
Valuations
Price to earnings (P/E)
14.24
Price to book (P/B)
1.04
Price to sales (P/S)
3.3
EV/EBIT
37.96
EV/EBITDA
34.15
EV/Sales
9.36
Earnings
Revenue
$41.72M
EBIT
$10.29M
EBITDA
$11.43M
Free cash flow
$10.04M
Per share
EPS
$0.87
Free cash flow per share
$0.9
Book value per share
$11.91
Revenue per share
$3.75
TBVPS
$133.83
Balance sheet
Total assets
$1.49B
Total liabilities
$1.36B
Debt
$273.7M
Equity
$132.39M
Working capital
N/A
Liquidity
Debt to equity
2.07
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
22.16
Margins
EBITDA margin
27.4%
Gross margin
100%
Net margin
21.5%
Operating margin
25.2%
Efficiency
Return on assets
0.6%
Return on equity
6.9%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
24.7%
Dividend
Dividend yield
4.52%
DPS
$0.56
Payout ratio
64.4%

RMBI stock price

How has the Richmond Mutual Bancorporation stock price performed over time
Intraday
2.82%
1 week
0.98%
1 month
8.21%
1 year
3.16%
YTD
7.65%
QTD
5.54%

Financial performance

How have Richmond Mutual Bancorporation's revenue and profit performed over time
Revenue
$41.72M
Gross profit
$41.72M
Operating income
$10.5M
Net income
$8.95M
Gross margin
100%
Net margin
21.5%
Richmond Mutual Bancorporation's operating income has decreased by 33% YoY and by 6% QoQ
The net income has declined by 30% year-on-year and by 6% since the previous quarter
The operating margin has declined by 27% year-on-year and by 6% since the previous quarter
Richmond Mutual Bancorporation's net margin has decreased by 23% YoY and by 5% QoQ

Growth

What is Richmond Mutual Bancorporation's growth rate over time

Valuation

What is Richmond Mutual Bancorporation stock price valuation
P/E
14.24
P/B
1.04
P/S
3.3
EV/EBIT
37.96
EV/EBITDA
34.15
EV/Sales
9.36
The EPS has declined by 28% year-on-year and by 4.4% since the previous quarter
The stock's P/E is 20% more than its last 4 quarters average of 11.5
The equity has contracted by 2.8% YoY
RMBI's price to sales (P/S) is 24% lower than its 5-year quarterly average of 4.2 but 7% higher than its last 4 quarters average of 3.0
The company's revenue fell by 9% YoY

Efficiency

How efficient is Richmond Mutual Bancorporation business performance
The ROIC has declined by 45% year-on-year and by 14% since the previous quarter
The company's return on assets fell by 40% YoY and by 14% QoQ
The company's return on equity fell by 29% YoY and by 5% QoQ
The return on sales has declined by 27% year-on-year and by 6% since the previous quarter

Dividends

What is RMBI's dividend history
DPS
$0.56
Dividend yield
4.52%
Payout ratio
64.4%
Recent dividends

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 11% year-on-year and by 2.2% since the previous quarter
Richmond Mutual Bancorporation's total assets has increased by 9% YoY
Richmond Mutual Bancorporation's debt is 107% higher than its equity
The company's debt to equity has surged by 53% YoY and by 3% QoQ
Richmond Mutual Bancorporation's debt has increased by 49% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.