Richmond Mutual Bancorporation (RMBI) Stock Price, News & Analysis

Company Overview

Richmond Mutual Bancorporation is the bank holding company for The Richmond Savings Bank, a mutual savings institution chartered in New Hampshire. Through its subsidiary, the company offers a full range of deposit and loan products to individuals, families and small businesses. Its core services include checking and savings accounts, money market accounts, certificates of deposit and consumer lending solutions such as residential mortgages, home equity lines of credit and personal installment loans. The company also supports local commercial borrowers with business real estate financing, equipment term loans and working capital lines of credit.

Headquartered in Richmond, New Hampshire, Richmond Mutual Bancorporation serves communities throughout southern New Hampshire via its branch network and lending offices. The company places a strong emphasis on community banking, delivering personalized service and local decision-making to foster long-term customer relationships. Its digital banking platform provides online account access, mobile deposits, bill pay and e-statements, enabling customers to manage their finances conveniently while still benefiting from the responsiveness of a community-focused lender.

As a mutual holding company, Richmond Mutual Bancorporation is owned by its depositors rather than external shareholders, aligning its strategic priorities with the interests of its customer-owners. Governance is provided by a board of directors drawn from the local community, and day-to-day operations are overseen by an experienced management team of banking professionals. This structure supports the company’s mission of promoting regional economic growth and providing stable, relationship-driven financial services to the communities it serves.

Key Stats

• Today's Range: $13.70 to $14.29
• 50-Day Range: $13.21 to $14.97
• 52-Week Range: $11.37 to $15.24
• Volume: 5,003 shs
• Average Volume: 17,933 shs
• Market Capitalization: $145.75 million
• P/E Ratio: 14.87
• Dividend Yield: 4.29%
• Price Target: N/A
• Consensus Rating: Buy

Richmond Mutual Bancorporation Stock Analysis - MarketRank™

Richmond Mutual Bancorporation scored higher than 26% of companies evaluated by MarketBeat, and ranked 832nd out of 928 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Richmond Mutual Bancorporation.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Richmond Mutual Bancorporation is 14.87, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 43.26.

Price to Earnings Ratio vs. Sector

The P/E ratio of Richmond Mutual Bancorporation is 14.87, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.33.

Price to Book Value per Share Ratio

Richmond Mutual Bancorporation has a P/B Ratio of 1.15. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.86% of the float of Richmond Mutual Bancorporation has been sold short.

Short Interest Ratio / Days to Cover

Richmond Mutual Bancorporation has a short interest ratio ("days to cover") of 10.3, which indicates bearish sentiment.

Change versus previous month

Short interest in Richmond Mutual Bancorporation has recently decreased by 14.88%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Richmond Mutual Bancorporation is a leading dividend payer. It pays a dividend yield of 4.37%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Richmond Mutual Bancorporation has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Richmond Mutual Bancorporation is 63.83%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.86% of the float of Richmond Mutual Bancorporation has been sold short.

Short Interest Ratio / Days to Cover

Richmond Mutual Bancorporation has a short interest ratio ("days to cover") of 10.3, which indicates bearish sentiment.

Change versus previous month

Short interest in Richmond Mutual Bancorporation has recently decreased by 14.88%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.7 / 5
• News Sentiment: 0.15

News Sentiment

Richmond Mutual Bancorporation has a news sentiment score of 0.15. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Richmond Mutual Bancorporation this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Richmond Mutual Bancorporation insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 8.20% of the stock of Richmond Mutual Bancorporation is held by insiders.

Percentage Held by Institutions

Only 26.52% of the stock of Richmond Mutual Bancorporation is held by institutions.

RMBI Stock Analysis - Frequently Asked Questions

How have RMBI shares performed this year?

Richmond Mutual Bancorporation's stock was trading at $14.15 at the beginning of 2025. Since then, RMBI stock has decreased by 1.2% and is now trading at $13.9740.

How were Richmond Mutual Bancorporation's earnings last quarter?

Richmond Mutual Bancorporation, Inc. (NASDAQ:RMBI) released its earnings results on Wednesday, July, 23rd. The company reported $0.26 EPS for the quarter. The business had revenue of $11.84 million for the quarter. Richmond Mutual Bancorporation had a net margin of 10.83% and a trailing twelve-month return on equity of 7.10%.

Who are Richmond Mutual Bancorporation's major shareholders?

Richmond Mutual Bancorporation's top institutional investors include First Financial Bank Trust Division (0.12%). Insiders that own company stock include M Lynn Wetzel, Jeffrey A Jackson, Donald A Benziger, Harold T Hanley III and Kathryn Girten.
View institutional ownership trends.

How do I buy shares of Richmond Mutual Bancorporation?

Shares of RMBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Richmond Mutual Bancorporation own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Richmond Mutual Bancorporation investors own include Waste Connections (WCN), iShares Micro-Cap ETF (IWC), The RMR Group (RMR), DiamondRock Hospitality (DRH), American Water Works (AWK), AUO (AUOTY) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 7/23/2025
• Record date for 9/18 Dividend: 9/04/2025
• Ex-Dividend for 9/18 Dividend: 9/04/2025
• Dividend Payable: 9/18/2025
• Today: 10/21/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:RMBI
• CIK: 1767837
• Web: www.firstbankrichmond.com
• Phone: (765) 962-2581
• Fax: N/A
• Employees: 180
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.94
• Trailing P/E Ratio: 14.79
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $9.38 million
• Net Margins: 10.83%
• Pretax Margin: 12.60%
• Return on Equity: 7.10%
• Return on Assets: 0.63%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.88
• Quick Ratio: 0.88

Sales & Book Value

• Annual Sales: $85.28 million
• Price / Sales: 1.70
• Cash Flow: $1.05 per share
• Price / Cash Flow: 13.18
• Book Value: $12.18 per share
• Price / Book: 1.14

Miscellaneous

• Outstanding Shares: 10,430,000
• Free Float: 9,571,000
• Market Cap: $144.98 million
• Optionable: Not Optionable
• Beta: 0.40