RMBI
Richmond Mutual Bancorporation, Inc.
RMBI's fundamentals are strong: revenue grew 15% and its operating margin rose 3 points to 28%. At 13x earnings, it's trading right at its usual valuation.
RMBI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
RMBI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like RMBI.
RMBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $13.56 | -15% |
| Fair | 13x | $15.99 | +0.1% |
| Current | 13x | $15.97 | — |
| Expensive | 17x | $20.44 | +28% |
Historical ranges are pointers, not guarantees.
RMBI's PE is in its fair range at 13x.
RMBI Forward outlook
There aren't enough analyst estimates for RMBI to show an outlook.
RMBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $1.21 | +27% |
| Q1 2026 | $1.25 | +40% |
| Q4 2025 | $1.17 | +27% |
| Q3 2025 | $1.07 | +24% |
| Q2 2025 | $0.95 | +17% |
| Q1 2025 | $0.89 | +2.3% |
| Q4 2024 | $0.92 | +1.1% |
| Q3 2024 | $0.86 | -17% |
RMBI earned $1.21 per share over the past year, up 27% from the year before.
RMBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $13.7M | +15% |
| Q1 2026 | $12.7M | +12% |
| Q4 2025 | $13.1M | +18% |
| Q3 2025 | $12.6M | +17% |
| Q2 2025 | $11.8M | +11% |
| Q1 2025 | $11.4M | +4.2% |
| Q4 2024 | $11.1M | +5.2% |
| Q3 2024 | $10.8M | +4.6% |
RMBI's revenue has grown year over year for nine quarters in a row: $14M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 20% | -5.7 points |
| Q1 2026 | 26% | +6 points |
| Q4 2025 | 31% | +4.9 points |
| Q3 2025 | 34% | +7.3 points |
| Q2 2025 | 25% | +3.1 points |
| Q1 2025 | 20% | -4.5 points |
| Q4 2024 | 27% | +5.8 points |
| Q3 2024 | 26% | +4.8 points |
RMBI's operating margin was 20% last quarter, down 5.7 points from the same quarter a year ago, near the bottom of its range since 2019.
RMBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $2.7M | -35% |
| Q1 2026 | $2.5M | +17% |
| Q4 2025 | $2.5M | -63% |
| Q3 2025 | $5.8M | +110% |
| Q2 2025 | $4.2M | +50% |
| Q1 2025 | $2.1M | +2.8% |
| Q4 2024 | $6.7M | +86% |
| Q3 2024 | $2.8M | +47% |
RMBI's free cash flow was $13M over the past year, down 14% from the year before. Free cash flow isn't a meaningful measure for financial services companies like RMBI.
RMBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +53.3K shares |
| 1 year | +0.7% | +68.5K shares |
| 3 years | -5.4% | -562K shares |
| 5 years | -15% | -1.8M shares |
| Available history | -27% | -3.6M shares |
RMBI has 10M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $1.4M |
| Q1 2025 | $4.2M |
| Q4 2024 | $1.9M |
| Q3 2024 | $885,875 |
RMBI hasn't bought back shares in the past year.
RMBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -2.3x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | 15.1x | High |
| Q3 2025 | -2.6x | Net Cash |
| Q2 2025 | -2.3x | Net Cash |
| Q1 2025 | -2.4x | Net Cash |
| Q4 2024 | 20.8x | High |
| Q3 2024 | -1.8x | Net Cash |
RMBI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like RMBI.
RMBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.5 | Neutral |
| Stochastic | 74.6 | Neutral |
RMBI's weekly RSI is 59 (neutral) and its Stochastic is 75 (neutral).
RMBI PE vs Financial Services Sector
| Metric | RMBI | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 1.4% above |
| PE % | 49 | 63 | 14 pts below |
RMBI is trading at 13x earnings, in line with the Financial Services sector's median of 13x.
RMBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.6 | 2.4% above |
| 20 week MA | $15.7 | 2% above |
| 50 week MA | $14.8 | 7.8% above |
| 100 week MA | $14.2 | 12% above |
| 200 week MA | $13.0 | 23% above |
RMBI is in an uptrend: it's above all five of its weekly moving averages, and 23% above its 200-week average.
RMBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $15.8 | $13.5 | -14% |
| 2021 | $13.5 | $16.1 | +19% |
| 2022 | $16.1 | $12.3 | -24% |
| 2023 | $12.3 | $11.5 | -6% |
| 2024 | $11.5 | $13.7 | +19% |
| 2025 | $13.7 | $14.1 | +2.9% |
| 2026 YTD | $14.1 | $16.0 | +13% |
RMBI has finished lower in three of the last six years. It's up 13% so far in 2026.