Richmond Mutual Bancorporation (RMBI) Financials

$15.32 -0.04 (-0.26%)

Closing price 10/9/2026 04:00 PM Eastern

Extended Trading

$15.30 -0.02 (-0.10%)

As of 10/9/2026 04:09 PM Eastern

Annual Income Statements for Richmond Mutual Bancorporation

This table shows Richmond Mutual Bancorporation's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	27	-14	10	11	13	9.49	9.38	12
Consolidated Net Income / (Loss)	5.68	-14	10	11	13	9.49	9.38	12
Net Income / (Loss) Continuing Operations	27	-14	10	11	13	9.49	9.38	12
Total Pre-Tax Income	6.96	-19	12	14	16	11	11	14
Total Revenue	24	34	40	44	47	42	43	49
Net Interest Income / (Expense)	20	30	33	38	42	38	39	44
Total Interest Income	35	42	43	46	52	67	81	86
Loans and Leases Interest Income	32	37	38	41	45	59	72	77
Investment Securities Interest Income	3.51	3.85	4.41	5.30	7.11	8.05	8.10	7.71
Other Interest Income	-	1.15	0.15	0.05	0.15	0.56	0.83	0.82
Total Interest Expense	16	11	9.39	7.68	10	30	42	42
Deposits Interest Expense	5.65	8.02	6.38	4.94	7.13	23	32	31
Long-Term Debt Interest Expense	9.86	3.14	3.01	2.75	3.09	6.94	10	11
Total Non-Interest Income	4.29	3.86	6.81	5.42	4.87	4.61	4.76	5.06
Service Charges on Deposit Accounts	1.12	1.08	0.73	0.88	1.05	1.12	1.24	1.27
Other Service Charges	2.71	2.04	2.25	2.03	3.18	2.98	3.02	3.54
Net Realized & Unrealized Capital Gains on Investments	0.47	0.74	3.83	2.51	0.64	0.52	0.50	0.25
Provision for Credit Losses	1.68	2.60	3.77	1.43	0.60	0.53	0.55	2.15
Total Non-Interest Expense	23	51	24	29	30	31	32	33
Salaries and Employee Benefits	12	35	15	18	18	17	18	19
Net Occupancy & Equipment Expense	3.58	3.91	4.19	4.72	5.41	5.81	5.90	6.25
Marketing Expense	0.54	0.82	0.37	0.40	0.46	0.39	0.38	0.43
Property & Liability Insurance Claims	0.60	0.27	0.25	0.30	0.49	1.16	1.53	1.19
Other Operating Expenses	-23	11	4.42	5.08	5.32	5.94	5.90	6.69
Income Tax Expense	1.28	-5.29	2.48	2.44	2.78	1.52	1.49	2.08
Basic Earnings per Share	$0.00	($1.27)	$0.82	$0.98	$1.20	$0.91	$0.93	$1.20
Weighted Average Basic Shares Outstanding	-	13.53M	13.05M	12.31M	11.70M	11.12M	10.50M	10.50M
Diluted Earnings per Share	$0.00	($1.27)	$0.82	$0.96	$1.17	$0.91	$0.92	$1.17
Weighted Average Diluted Shares Outstanding	-	13.53M	13.05M	12.31M	11.70M	11.12M	10.50M	10.50M
Weighted Average Basic & Diluted Shares Outstanding	-	13.53M	13.05M	12.31M	11.70M	11.12M	10.50M	10.50M
Cash Dividends to Common per Share	-	-	$0.15	$0.78	$0.40	$0.56	$0.56	$0.60

This table shows Richmond Mutual Bancorporation's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	1.94	2.37	2.06	2.47	2.48	1.97	2.60	3.60	3.41	2.79	2.23
Consolidated Net Income / (Loss)	1.94	2.37	2.06	2.47	2.48	1.97	2.60	3.60	3.41	2.79	2.23
Net Income / (Loss) Continuing Operations	1.94	2.37	2.06	2.47	2.48	1.97	2.60	3.60	3.41	2.79	2.23
Total Pre-Tax Income	2.18	2.72	2.37	2.84	2.94	2.32	2.98	4.24	4.11	3.35	2.66
Total Revenue	11	11	11	11	11	11	12	13	13	13	14
Net Interest Income / (Expense)	9.33	9.83	9.58	9.43	9.87	10	11	11	12	11	12
Total Interest Income	19	20	20	20	21	21	21	22	22	21	22
Loans and Leases Interest Income	16	17	18	18	18	19	19	20	20	19	20
Investment Securities Interest Income	2.09	2.12	2.06	2.00	1.92	1.96	1.92	1.93	1.89	1.87	1.88
Other Interest Income	0.26	0.14	0.22	0.19	0.28	0.13	0.24	0.20	0.24	0.18	0.23
Total Interest Expense	9.25	9.68	11	11	11	11	11	11	10	9.72	9.82
Deposits Interest Expense	6.92	7.07	8.00	8.33	8.35	7.84	7.81	7.76	7.83	7.30	7.21
Long-Term Debt Interest Expense	2.33	2.61	2.51	2.50	2.45	2.77	2.77	2.76	2.51	2.42	2.61
Total Non-Interest Income	1.18	1.13	1.11	1.33	1.19	1.16	1.08	1.30	1.52	1.30	1.58
Service Charges on Deposit Accounts	0.28	0.27	0.31	0.33	0.33	0.30	0.31	0.32	0.34	0.32	0.33
Other Service Charges	0.78	0.74	0.77	0.78	0.73	0.77	0.83	0.88	1.06	0.80	1.07
Net Realized & Unrealized Capital Gains on Investments	0.12	0.12	0.03	0.22	0.13	0.10	-0.06	0.09	0.12	0.17	0.18
Provision for Credit Losses	0.30	0.18	0.27	-0.10	0.20	0.73	0.74	0.27	0.41	0.69	0.82
Total Non-Interest Expense	8.03	8.06	8.05	8.02	7.93	8.37	8.11	8.08	8.54	8.70	10
Salaries and Employee Benefits	4.55	4.57	4.67	4.58	4.52	4.71	4.77	4.50	4.56	4.56	4.73
Net Occupancy & Equipment Expense	1.42	1.49	1.44	1.46	1.51	1.53	1.53	1.53	1.65	1.88	1.73
Marketing Expense	0.12	0.09	0.08	0.11	0.10	0.07	0.10	0.11	0.16	0.10	0.07
Property & Liability Insurance Claims	0.52	0.40	0.38	0.38	0.37	0.34	0.30	0.31	0.25	0.29	0.25
Other Operating Expenses	1.41	1.50	1.48	1.48	1.43	1.72	1.41	1.64	1.92	1.87	1.53
Restructuring Charge	-	-	-	-	-	-	0.00	-	-	-	1.86
Income Tax Expense	0.24	0.35	0.31	0.37	0.46	0.35	0.38	0.64	0.70	0.56	0.44
Basic Earnings per Share	$0.19	$0.23	$0.20	$0.25	$0.25	$0.20	$0.27	$0.37	$0.36	$0.29	$0.23
Weighted Average Basic Shares Outstanding	11.12M	11.07M	10.99M	10.91M	10.50M	10.41M	10.43M	10.45M	10.50M	10.50M	16.76M
Diluted Earnings per Share	$0.19	$0.23	$0.20	$0.24	$0.25	$0.20	$0.26	$0.36	$0.35	$0.28	$0.22
Weighted Average Diluted Shares Outstanding	11.12M	11.07M	10.99M	10.91M	10.50M	10.41M	10.43M	10.45M	10.50M	10.50M	16.76M
Weighted Average Basic & Diluted Shares Outstanding	11.12M	11.07M	10.99M	10.91M	10.50M	10.41M	10.43M	10.45M	10.50M	10.50M	16.76M

This table details how cash moves in and out of Richmond Mutual Bancorporation's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	-1.20	26	8.17	-26	-7.12	4.32	1.52	11
Net Cash From Operating Activities	8.46	10	17	-9.65	18	12	15	16
Net Cash From Continuing Operating Activities	3.54	10	17	-9.65	18	12	15	16
Net Income / (Loss) Continuing Operations	0.00	-14	10	11	13	9.49	9.38	12
Consolidated Net Income / (Loss)	-	-14	10	11	13	9.49	9.38	12
Provision For Loan Losses	1.68	2.60	3.77	1.43	0.60	0.53	0.55	2.15
Depreciation Expense	0.90	0.90	1.00	1.12	1.06	0.98	0.85	0.89
Amortization Expense	1.02	1.22	1.35	-0.20	0.19	0.40	0.37	0.08
Non-Cash Adjustments to Reconcile Net Income	-21	18	-0.39	0.85	2.60	2.59	2.00	0.81
Changes in Operating Assets and Liabilities, net	21	1.85	0.83	-24	0.73	-1.88	1.61	0.45
Net Cash From Investing Activities	-102	-107	-89	-212	-116	-123	-49	-1.14
Net Cash From Continuing Investing Activities	-80	-107	-89	-212	-116	-123	-49	-1.14
Purchase of Property, Leasehold Improvements and Equipment	-1.33	-0.96	-1.88	-0.58	-0.39	-0.62	-0.46	-1.36
Purchase of Investment Securities	-0.27	-165	-169	-281	-150	-146	-78	-26
Sale of Property, Leasehold Improvements and Equipment	-	0.00	0.03	-	0.00	0.00	0.01	0.00
Sale and/or Maturity of Investments	20	94	132	70	34	24	29	26
Net Cash From Financing Activities	92	122	81	196	91	115	36	-3.46
Net Cash From Continuing Financing Activities	92	122	81	196	91	115	36	-3.46
Net Change in Deposits	60	-3.42	76	207	105	36	53	21
Issuance of Debt	460	85	64	209	328	542	289	296
Repayment of Debt	-428	-72	-48	-199	-328	-451	-295	-309
Repurchase of Common Equity	-	-	-9.08	-12	-9.86	-6.25	-5.04	-5.63
Payment of Dividends	-	0.00	-1.84	-9.28	-4.41	-5.92	-5.70	-5.84
Other Financing Activities, Net	0.04	113	-0.05	0.17	0.03	0.03	0.00	0.06
Cash Interest Paid	7.44	11	9.47	7.65	9.11	27	41	43
Cash Income Taxes Paid	0.00	0.00	1.05	2.90	2.18	2.05	-0.41	1.34

This table details how cash moves in and out of Richmond Mutual Bancorporation's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Change in Cash & Equivalents	-0.41	0.05	-1.27	0.55	2.19	5.27	0.18	7.05	-1.13	1.67	-0.08
Net Cash From Operating Activities	3.79	2.16	2.92	2.88	6.79	2.18	4.84	6.28	2.67	2.79	3.03
Net Cash From Continuing Operating Activities	3.79	2.16	2.92	2.88	6.79	2.18	4.84	6.28	2.67	2.79	3.03
Net Income / (Loss) Continuing Operations	1.94	2.37	2.06	2.47	2.48	1.97	2.60	3.60	3.41	2.79	2.23
Consolidated Net Income / (Loss)	1.94	2.37	2.06	2.47	2.48	1.97	2.60	3.60	3.41	2.79	2.23
Provision For Loan Losses	0.30	0.18	0.27	-0.10	0.20	0.73	0.74	0.27	0.41	0.69	0.82
Depreciation Expense	0.22	0.21	0.21	0.21	0.21	0.22	0.22	0.22	0.23	0.22	0.22
Amortization Expense	0.16	0.15	0.09	0.05	0.08	0.04	-0.02	0.09	-0.02	0.04	0.02
Non-Cash Adjustments to Reconcile Net Income	1.38	-0.29	0.77	0.06	1.46	-0.40	0.90	0.58	-0.27	0.08	-0.52
Changes in Operating Assets and Liabilities, net	-0.22	-0.46	-0.49	0.18	2.37	-0.38	0.40	1.52	-1.09	-1.05	0.26
Net Cash From Investing Activities	-22	-30	-11	11	-19	-12	15	-6.78	3.17	4.76	-30
Net Cash From Continuing Investing Activities	-22	-30	-11	11	-19	-12	15	-6.78	3.17	4.76	-30
Purchase of Property, Leasehold Improvements and Equipment	-0.19	-0.12	-0.11	-0.11	-0.12	-0.08	-0.63	-0.46	-0.20	-0.32	-0.29
Purchase of Investment Securities	-27	-35	-19	-0.47	-24	-17	4.03	-13	-0.10	0.61	-33
Sale and/or Maturity of Investments	5.03	4.74	7.84	11	5.04	5.10	11	6.42	3.47	4.48	2.96
Net Cash From Financing Activities	18	28	6.78	-13	14	15	-19	7.56	-6.97	-5.88	27
Net Cash From Continuing Financing Activities	18	28	6.78	-13	14	15	-19	7.56	-6.97	-5.88	27
Net Change in Deposits	-13	29	30	-11	4.85	12	-9.27	22	-3.37	-8.53	40
Issuance of Debt	60	58	80	93	58	112	67	50	67	73	85
Repayment of Debt	-27	-56	-101	-93	-45	-103	-74	-63	-69	-69	-97
Payment of Dividends	-1.45	-1.44	-1.44	-1.42	-1.40	-1.49	-1.44	-1.45	-1.46	-1.46	-1.47
Other Financing Activities, Net	-0.08	0.11	-0.09	0.09	-0.11	0.14	-0.06	0.13	-0.15	0.12	-0.01
Cash Interest Paid	8.53	10	11	11	9.41	12	10	11	9.80	11	9.55

This table presents Richmond Mutual Bancorporation's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	850	986	1,084	1,268	1,328	1,461	1,505	1,526
Cash and Due from Banks	25	9.09	17	8.47	7.78	8.58	8.99	9.28
Interest Bearing Deposits at Other Banks	-4.86	32	32	15	8.63	12	13	26
Trading Account Securities	144	218	259	367	292	288	263	255
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	962	1,090	1,159	1,177
Premises and Equipment, Net	14	14	15	14	14	13	13	13
Other Assets	22	714	762	863	44	49	48	45
Total Liabilities & Shareholders' Equity	850	986	1,084	1,268	1,328	1,461	1,505	1,526
Total Liabilities	764	798	891	1,087	1,196	1,326	1,372	1,380
Non-Interest Bearing Deposits	679	60	99	114	106	114	110	100
Interest Bearing Deposits	563	557	595	786	899	927	984	1,015
Short-Term Debt	-	-	-	-	-	-	0.00	12
Long-Term Debt	-136	154	170	180	180	271	265	240
Other Long-Term Liabilities	6.48	26	28	6.45	9.82	13	12	12
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	86	188	193	180	132	135	133	146
Total Preferred & Common Equity	86	188	193	180	132	135	133	146
Total Common Equity	86	188	193	180	132	135	133	146
Common Stock	13	133	124	114	106	101	98	93
Retained Earnings	77	70	78	80	88	88	92	97
Accumulated Other Comprehensive Income / (Loss)	-4.38	-0.66	3.71	-1.21	-50	-43	-46	-35
Other Equity Adjustments	0.00	-14	-14	-13	-12	-11	-11	-9.99

This table presents Richmond Mutual Bancorporation's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026	6/30/2026
Total Assets	1,423	1,488	1,495	1,493	1,523	1,508	1,526	1,519	1,552
Cash and Due from Banks	9.00	8.44	8.32	8.52	10	12	11	9.70	12
Interest Bearing Deposits at Other Banks	12	12	11	11	17	16	23	28	26
Trading Account Securities	270	281	272	272	259	252	255	249	248
Loans and Leases, Net of Allowance	1,067	1,123	1,141	1,141	1,176	1,168	1,178	1,174	1,208
Premises and Equipment, Net	13	13	13	13	13	13	13	13	14
Other Assets	52	50	50	47	47	47	45	45	45
Total Liabilities & Shareholders' Equity	1,423	1,488	1,495	1,493	1,523	1,508	1,526	1,519	1,552
Total Liabilities	1,304	1,355	1,364	1,353	1,392	1,375	1,386	1,374	1,404
Non-Interest Bearing Deposits	116	109	103	99	103	106	111	99	100
Interest Bearing Deposits	939	962	998	991	1,003	991	1,008	1,008	1,047
Short-Term Debt	-	-	-	-	-	-	-	0.00	0.00
Long-Term Debt	238	273	252	252	274	267	254	256	244
Other Long-Term Liabilities	12	12	11	11	11	11	12	11	12
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	119	132	131	140	131	132	140	145	148
Total Preferred & Common Equity	119	132	131	140	131	132	140	145	148
Total Common Equity	119	132	131	140	131	132	140	145	148
Common Stock	102	101	100	99	94	93	93	93	93
Retained Earnings	88	89	89	91	92	93	95	99	99
Accumulated Other Comprehensive Income / (Loss)	-60	-46	-47	-39	-45	-43	-38	-37	-35
Other Equity Adjustments	-12	-11	-11	-11	-11	-10	-10	-9.80	-9.62

This table displays calculated financial ratios and metrics derived from Richmond Mutual Bancorporation's official financial filings.

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	0.00	13,526,625.00	13,299,380.00	12,424,489.00	11,795,238.00	11,244,669.00	-	10,450,007.00
DEI Adjusted Shares Outstanding	0.00	13,526,625.00	13,299,380.00	12,424,489.00	11,795,238.00	11,244,669.00	-	10,450,007.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	-1.04	0.75	0.90	1.10	0.84	-	1.11
Growth Metrics	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	42.82%	17.55%	8.41%	6.52%	-9.10%	2.82%	12.52%
EBITDA Growth	0.00%	-1,647.03%	186.03%	-2.28%	17.23%	-27.18%	-2.43%	21.04%
EBIT Growth	0.00%	-2,333.89%	164.48%	8.69%	15.97%	-30.14%	-1.26%	25.68%
NOPAT Growth	0.00%	-338.88%	173.86%	11.25%	16.34%	-26.83%	-1.15%	23.45%
Net Income Growth	0.00%	-348.06%	171.13%	11.25%	16.34%	-26.83%	-1.15%	23.45%
EPS Growth	0.00%	0.00%	164.57%	17.07%	21.88%	-22.22%	1.10%	27.17%
Operating Cash Flow Growth	0.00%	19.35%	64.15%	-158.20%	288.27%	-33.29%	21.78%	8.25%
Free Cash Flow Firm Growth	0.00%	0.00%	97.31%	222.63%	356.50%	-237.55%	120.68%	-32.81%
Invested Capital Growth	0.00%	780.22%	6.12%	-0.62%	-13.34%	29.92%	-1.97%	-0.02%
Revenue Q/Q Growth	0.00%	96.86%	-14.63%	0.69%	1.57%	-3.22%	1.28%	4.26%
EBITDA Q/Q Growth	0.00%	-12.75%	268.48%	1.33%	4.74%	-12.43%	5.86%	8.02%
EBIT Q/Q Growth	0.00%	-12.75%	963.98%	1.07%	4.82%	-14.03%	7.51%	9.41%
NOPAT Q/Q Growth	0.00%	-4,372.18%	282.88%	1.74%	4.73%	-12.56%	6.04%	8.77%
Net Income Q/Q Growth	0.00%	-19,349.95%	298.30%	1.74%	4.73%	-12.56%	6.04%	8.77%
EPS Q/Q Growth	0.00%	0.00%	305.00%	2.13%	7.34%	-11.65%	6.98%	9.35%
Operating Cash Flow Q/Q Growth	0.00%	16.06%	54.23%	-178.19%	1,022.75%	1.88%	25.56%	-20.53%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	-103.41%	103.78%	-24.66%	-148.41%	165.40%	35.12%
Invested Capital Q/Q Growth	0.00%	0.13%	2,214.04%	-5.30%	0.13%	13.80%	1.49%	0.95%
Profitability Metrics	-	-	-	-	-	-	-	-
EBITDA Margin	4.65%	-50.36%	36.86%	33.22%	36.57%	29.29%	27.80%	29.90%
EBIT Margin	-3.32%	-56.56%	31.03%	31.11%	33.86%	26.03%	24.99%	27.92%
Profit (Net Income) Margin	23.67%	-41.11%	24.87%	25.53%	27.88%	22.44%	21.57%	23.67%
Tax Burden Percent	81.62%	72.69%	80.17%	82.07%	82.33%	86.22%	86.32%	84.79%
Interest Burden Percent	-873.75%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	18.37%	0.00%	19.83%	17.93%	17.67%	13.78%	13.68%	15.21%
Return on Invested Capital (ROIC)	0.00%	-9.30%	2.84%	3.08%	3.85%	2.64%	2.33%	2.91%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	-15.12%	2.84%	3.08%	3.85%	2.64%	2.33%	2.91%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-0.99%	2.42%	2.89%	4.43%	4.46%	4.67%	5.40%
Return on Equity (ROE)	6.61%	-10.29%	5.27%	5.97%	8.29%	7.10%	7.01%	8.31%
Cash Return on Invested Capital (CROIC)	0.00%	-118.67%	-3.10%	3.70%	18.15%	-23.39%	4.32%	2.93%
Operating Return on Assets (OROA)	-0.09%	-2.11%	1.21%	1.15%	1.21%	0.79%	0.73%	0.90%
Return on Assets (ROA)	0.67%	-1.53%	0.97%	0.95%	1.00%	0.68%	0.63%	0.76%
Return on Common Equity (ROCE)	6.61%	-10.29%	5.27%	5.97%	8.29%	7.10%	7.01%	8.31%
Return on Equity Simple (ROE_SIMPLE)	6.61%	-7.50%	5.20%	6.18%	9.79%	7.03%	7.06%	7.94%
Net Operating Profit after Tax (NOPAT)	5.68	-14	10	11	13	9.49	9.38	12
NOPAT Margin	23.67%	-39.59%	24.87%	25.53%	27.88%	22.44%	21.57%	23.67%
Net Nonoperating Expense Percent (NNEP)	0.00%	5.82%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	67.53%	116.11%	48.03%	53.28%	52.35%	55.91%	56.65%	51.57%
Operating Expenses to Revenue	96.32%	148.97%	59.61%	65.62%	64.85%	72.71%	73.74%	67.68%
Earnings before Interest and Taxes (EBIT)	-0.80	-19	12	14	16	11	11	14
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1.12	-17	15	15	17	12	12	15
Valuation Ratios	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.97	0.81	1.00	1.08	0.91	1.15	1.00
Price to Tangible Book Value (P/TBV)	0.00	0.97	0.81	1.00	1.08	0.91	1.15	1.00
Price to Revenue (P/Rev)	0.00	5.34	3.87	4.13	3.07	2.89	3.51	2.97
Price to Earnings (P/E)	0.00	0.00	15.55	16.20	11.01	12.89	16.26	12.54
Dividend Yield	0.00%	0.00%	1.28%	5.37%	3.30%	5.15%	4.01%	4.32%
Earnings Yield	0.00%	0.00%	6.43%	6.17%	9.08%	7.76%	6.15%	7.98%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.87	0.76	0.94	0.98	0.92	0.99	0.91
Enterprise Value to Revenue (EV/Rev)	0.00	8.65	6.88	7.73	6.59	8.82	9.10	7.40
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	18.66	23.27	18.02	30.12	32.73	24.75
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	22.17	24.85	19.45	33.90	36.40	26.51
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	27.66	30.28	23.63	39.32	42.17	31.27
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	29.34	16.72	0.00	16.87	30.79	26.81	22.67
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	25.23	5.02	0.00	22.77	31.02
Leverage & Solvency	-	-	-	-	-	-	-	-
Debt to Equity	-1.59	0.82	0.88	1.00	1.36	2.01	1.99	1.73
Long-Term Debt to Equity	-1.59	0.82	0.88	1.00	1.36	2.01	1.99	1.65
Financial Leverage	-1.59	0.07	0.85	0.94	1.15	1.69	2.00	1.86
Leverage Ratio	9.90	6.71	5.44	6.30	8.30	10.44	11.08	10.88
Compound Leverage Factor	-86.47	6.71	5.44	6.30	8.30	10.44	11.08	10.88
Debt to Total Capital	270.86%	45.06%	46.87%	49.93%	57.62%	66.77%	66.60%	63.35%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.02%
Long-Term Debt to Total Capital	270.86%	45.06%	46.87%	49.93%	57.62%	66.77%	66.60%	60.33%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	-170.86%	54.94%	53.13%	50.07%	42.38%	33.23%	33.40%	36.65%
Debt to EBITDA	-122.03	-8.93	11.45	12.41	10.59	21.88	21.93	17.23
Net Debt to EBITDA	-140.16	-6.57	8.17	10.82	9.62	20.25	20.11	14.82
Long-Term Debt to EBITDA	-122.03	-8.93	11.45	12.41	10.59	21.88	21.93	16.41
Debt to NOPAT	-23.97	-11.35	16.97	16.15	13.88	28.57	28.26	21.77
Net Debt to NOPAT	-27.53	-8.36	12.10	14.08	12.62	26.43	25.91	18.73
Long-Term Debt to NOPAT	-23.97	-11.35	16.97	16.15	13.88	28.57	28.26	20.73
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-406	-11	13	61	-84	17	12
Operating Cash Flow to CapEx	636.82%	1,051.77%	896.23%	-1,664.69%	4,715.71%	1,962.10%	3,246.72%	1,172.59%
Free Cash Flow to Firm to Interest Expense	0.00	-36.36	-1.16	1.74	5.98	-2.82	0.42	0.28
Operating Cash Flow to Interest Expense	0.55	0.91	1.76	-1.26	1.78	0.41	0.35	0.38
Operating Cash Flow Less CapEx to Interest Expense	0.46	0.82	1.57	-1.33	1.74	0.39	0.34	0.35
Efficiency Ratios	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.04	0.04	0.04	0.04	0.03	0.03	0.03
Fixed Asset Turnover	1.71	2.44	2.78	2.99	3.32	3.13	3.31	3.72
Capital & Investment Metrics	-	-	-	-	-	-	-	-
Invested Capital	-50	342	363	360	312	406	398	398
Invested Capital Turnover	-0.48	0.24	0.11	0.12	0.14	0.12	0.11	0.12
Increase / (Decrease) in Invested Capital	0.00	392	21	-2.23	-48	93	-7.99	-0.09
Enterprise Value (EV)	0.00	296	277	337	306	373	395	362
Market Capitalization	0.00	183	156	181	143	122	153	145
Book Value per Share	$0.00	$13.88	$14.49	$14.53	$11.22	$11.99	$12.18	$13.95
Tangible Book Value per Share	$0.00	$13.88	$14.49	$14.53	$11.22	$11.99	$12.18	$13.95
Total Capital	-50	342	363	360	312	406	398	398
Total Debt	-136	154	170	180	180	271	265	252
Total Long-Term Debt	-136	154	170	180	180	271	265	240
Net Debt	-156	113	121	157	164	251	243	217
Capital Expenditures (CapEx)	1.33	0.96	1.85	0.58	0.39	0.62	0.45	1.36
Net Nonoperating Expense (NNE)	0.00	0.52	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	-136	154	170	180	180	271	265	252
Total Depreciation and Amortization (D&A)	1.91	2.12	2.35	0.93	1.26	1.38	1.22	0.97
Earnings Adjustments	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	($1.27)	$0.82	$0.98	$1.20	$0.91	$0.93	$1.20
Adjusted Weighted Average Basic Shares Outstanding	0.00	13.53M	13.05M	12.31M	11.70M	11.12M	10.50M	10.50M
Adjusted Diluted Earnings per Share	$0.00	($1.27)	$0.82	$0.96	$1.17	$0.91	$0.92	$1.17
Adjusted Weighted Average Diluted Shares Outstanding	0.00	13.53M	13.05M	12.31M	11.70M	11.12M	10.50M	10.50M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	13.53M	13.05M	12.31M	11.70M	11.12M	10.50M	10.50M
Normalized Net Operating Profit after Tax (NOPAT)	5.68	-14	10	11	13	9.49	9.38	12
Normalized NOPAT Margin	23.67%	-39.59%	24.87%	25.53%	27.88%	22.44%	21.57%	23.67%
Pre Tax Income Margin	29.00%	-56.56%	31.03%	31.11%	33.86%	26.03%	24.99%	27.92%
Debt Service Ratios	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-0.05	-1.74	1.33	1.77	1.54	0.37	0.26	0.32
NOPAT to Interest Expense	0.37	-1.22	1.07	1.45	1.27	0.32	0.22	0.28
EBIT Less CapEx to Interest Expense	-0.14	-1.82	1.13	1.69	1.50	0.35	0.25	0.29
NOPAT Less CapEx to Interest Expense	0.28	-1.30	0.87	1.38	1.23	0.30	0.21	0.24
Payout Ratios	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	18.36%	83.24%	33.99%	62.41%	60.75%	50.40%
Augmented Payout Ratio	0.00%	0.00%	109.01%	190.14%	110.04%	128.30%	114.52%	99.07%

This table displays calculated financial ratios and metrics derived from Richmond Mutual Bancorporation's official financial filings.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
DEI Shares Outstanding	11,244,669.00	11,115,887.00	11,065,459.00	10,991,907.00	-	10,495,688.00	10,407,488.00	10,426,263.00	10,450,007.00	10,501,260.00	10,501,260.00
DEI Adjusted Shares Outstanding	11,244,669.00	11,115,887.00	11,065,459.00	10,991,907.00	-	10,495,688.00	10,407,488.00	10,426,263.00	10,450,007.00	10,501,260.00	10,501,260.00
DEI Earnings Per Adjusted Shares Outstanding	0.17	0.21	0.19	0.22	-	0.19	0.25	0.35	0.33	0.27	0.21
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-11.79%	-0.05%	1.68%	4.60%	5.21%	4.18%	10.77%	17.06%	18.07%	11.59%	15.33%
EBITDA Growth	-40.69%	-17.78%	-23.76%	20.51%	26.13%	-16.57%	19.38%	46.75%	33.61%	40.54%	-8.76%
EBIT Growth	-45.20%	-20.81%	-25.31%	27.85%	34.85%	-14.86%	26.16%	49.29%	40.01%	44.51%	-10.77%
NOPAT Growth	-41.23%	-18.43%	-23.46%	26.84%	27.50%	-16.91%	26.28%	45.52%	37.70%	41.51%	-14.42%
Net Income Growth	-41.23%	-18.43%	-23.46%	26.84%	27.50%	-16.91%	26.28%	45.52%	37.70%	41.51%	-14.42%
EPS Growth	-38.71%	-14.81%	-23.08%	26.32%	31.58%	-13.04%	30.00%	50.00%	40.00%	40.00%	-15.38%
Operating Cash Flow Growth	6.28%	-39.74%	3.77%	49.60%	79.26%	0.85%	66.06%	117.85%	-60.73%	27.74%	-37.47%
Free Cash Flow Firm Growth	-278.08%	-468.91%	31.18%	22.92%	111.43%	102.91%	43.81%	104.82%	-66.55%	180.44%	168.16%
Invested Capital Growth	29.92%	26.82%	7.37%	9.92%	-1.97%	-0.11%	4.23%	0.51%	-0.02%	-0.99%	-1.77%
Revenue Q/Q Growth	2.19%	4.30%	-2.50%	0.65%	2.79%	3.28%	3.67%	6.37%	3.67%	-2.39%	7.14%
EBITDA Q/Q Growth	-0.48%	20.39%	-13.55%	16.35%	4.15%	-20.36%	23.70%	43.03%	-5.18%	-16.23%	-19.69%
EBIT Q/Q Growth	-2.05%	25.00%	-13.06%	20.11%	3.32%	-21.09%	28.83%	42.13%	-3.10%	-18.55%	-20.45%
NOPAT Q/Q Growth	-0.35%	21.99%	-13.02%	19.96%	0.17%	-20.50%	32.19%	38.24%	-5.21%	-18.31%	-20.05%
Net Income Q/Q Growth	-0.35%	21.99%	-13.02%	19.96%	0.17%	-20.50%	32.19%	38.24%	-5.21%	-18.31%	-20.05%
EPS Q/Q Growth	0.00%	21.05%	-13.04%	20.00%	4.17%	-20.00%	30.00%	38.46%	-2.78%	-20.00%	-21.43%
Operating Cash Flow Q/Q Growth	96.69%	-42.93%	34.92%	-1.22%	135.68%	-67.89%	122.15%	29.58%	-57.52%	4.46%	8.76%
Free Cash Flow Firm Q/Q Growth	-114.31%	8.91%	70.95%	-35.93%	131.78%	-76.80%	-660.71%	111.67%	120.35%	94.47%	36.27%
Invested Capital Q/Q Growth	13.80%	-0.12%	-5.50%	2.33%	1.49%	1.77%	-1.39%	-1.32%	0.95%	0.79%	-2.15%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	24.37%	28.13%	24.94%	28.83%	29.22%	22.53%	26.88%	36.15%	33.06%	28.37%	21.27%
EBIT Margin	20.71%	24.82%	22.13%	26.41%	26.55%	20.29%	25.21%	33.68%	31.48%	26.27%	19.50%
Profit (Net Income) Margin	18.48%	21.61%	19.28%	22.98%	22.39%	17.24%	21.98%	28.56%	26.11%	21.86%	16.31%
Tax Burden Percent	89.20%	87.06%	87.10%	87.00%	84.34%	84.97%	87.19%	84.80%	82.95%	83.20%	83.62%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	10.80%	12.94%	12.90%	13.00%	15.66%	15.03%	12.81%	15.20%	17.05%	16.80%	16.38%
Return on Invested Capital (ROIC)	2.18%	2.52%	2.21%	2.63%	2.42%	1.87%	2.53%	3.41%	3.21%	2.72%	2.14%
ROIC Less NNEP Spread (ROIC-NNEP)	2.18%	2.52%	2.21%	2.63%	2.42%	1.87%	2.53%	3.41%	3.21%	2.72%	2.14%
Return on Net Nonoperating Assets (RNNOA)	3.67%	4.28%	4.04%	4.99%	4.85%	3.88%	4.99%	6.16%	5.96%	5.24%	3.91%
Return on Equity (ROE)	5.85%	6.80%	6.25%	7.62%	7.27%	5.75%	7.52%	9.57%	9.17%	7.96%	6.05%
Cash Return on Invested Capital (CROIC)	-23.39%	-21.18%	-4.85%	-7.09%	4.32%	2.33%	-1.71%	2.20%	2.93%	4.07%	4.82%
Operating Return on Assets (OROA)	0.63%	0.74%	0.65%	0.78%	0.78%	0.59%	0.76%	1.05%	1.02%	0.87%	0.66%
Return on Assets (ROA)	0.56%	0.64%	0.56%	0.68%	0.66%	0.50%	0.66%	0.89%	0.84%	0.72%	0.55%
Return on Common Equity (ROCE)	5.85%	6.80%	6.25%	7.62%	7.27%	5.75%	7.52%	9.57%	9.17%	7.96%	6.05%
Return on Equity Simple (ROE_SIMPLE)	0.00%	6.76%	6.35%	6.32%	0.00%	6.86%	7.19%	7.60%	0.00%	8.55%	8.11%
Net Operating Profit after Tax (NOPAT)	1.94	2.37	2.06	2.47	2.48	1.97	2.60	3.60	3.41	2.79	2.23
NOPAT Margin	18.48%	21.61%	19.28%	22.98%	22.39%	17.24%	21.98%	28.56%	26.11%	21.86%	16.31%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	57.96%	56.10%	57.93%	57.19%	55.43%	55.27%	54.03%	48.76%	48.81%	51.41%	47.81%
Operating Expenses to Revenue	76.39%	73.51%	75.34%	74.51%	71.68%	73.31%	68.50%	64.18%	65.39%	68.29%	74.47%
Earnings before Interest and Taxes (EBIT)	2.18	2.72	2.37	2.84	2.94	2.32	2.98	4.24	4.11	3.35	2.66
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	2.56	3.08	2.67	3.10	3.23	2.57	3.18	4.55	4.32	3.62	2.90
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.91	0.89	0.95	0.97	1.15	0.98	1.09	1.06	1.00	0.98	1.12
Price to Tangible Book Value (P/TBV)	0.91	0.89	0.95	0.97	1.15	0.98	1.09	1.06	1.00	0.98	1.12
Price to Revenue (P/Rev)	2.89	2.80	2.93	3.16	3.51	2.93	3.19	3.16	2.97	2.84	3.20
Price to Earnings (P/E)	12.89	13.20	14.94	15.35	16.26	14.33	15.09	13.92	12.54	11.50	13.88
Dividend Yield	5.15%	5.27%	4.99%	4.53%	4.01%	4.65%	4.20%	4.15%	4.32%	4.42%	3.78%
Earnings Yield	7.76%	7.57%	6.69%	6.51%	6.15%	6.98%	6.63%	7.18%	7.98%	8.70%	7.21%
Enterprise Value to Invested Capital (EV/IC)	0.92	0.92	0.93	0.94	0.99	0.93	0.96	0.93	0.91	0.90	0.95
Enterprise Value to Revenue (EV/Rev)	8.82	8.78	8.42	8.57	9.10	8.55	8.50	7.84	7.40	7.18	7.17
Enterprise Value to EBITDA (EV/EBITDA)	30.12	31.66	32.82	32.24	32.73	32.44	31.69	27.17	24.75	23.03	24.25
Enterprise Value to EBIT (EV/EBIT)	33.90	36.05	37.66	36.41	36.40	35.89	34.58	29.48	26.51	24.58	25.98
Enterprise Value to NOPAT (EV/NOPAT)	39.32	41.43	42.94	41.60	42.17	41.81	40.25	34.57	31.27	29.12	31.05
Enterprise Value to Operating Cash Flow (EV/OCF)	30.79	34.70	33.10	31.31	26.81	25.41	22.94	18.31	22.67	21.77	25.29
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	22.77	39.78	0.00	42.61	31.02	21.98	19.57
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.01	2.06	1.92	1.80	1.99	2.09	2.02	1.81	1.73	1.77	1.65
Long-Term Debt to Equity	2.01	2.06	1.92	1.80	1.99	2.09	2.02	1.81	1.65	1.77	1.65
Financial Leverage	1.69	1.70	1.82	1.89	2.00	2.08	1.97	1.81	1.86	1.92	1.82
Leverage Ratio	10.44	10.61	11.09	11.27	11.08	11.43	11.40	10.78	10.88	11.03	10.90
Compound Leverage Factor	10.44	10.61	11.09	11.27	11.08	11.43	11.40	10.78	10.88	11.03	10.90
Debt to Total Capital	66.77%	67.34%	65.78%	64.28%	66.60%	67.67%	66.86%	64.46%	63.35%	63.85%	62.20%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.02%	0.00%	0.00%
Long-Term Debt to Total Capital	66.77%	67.34%	65.78%	64.28%	66.60%	67.67%	66.86%	64.46%	60.33%	63.85%	62.20%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	33.23%	32.66%	34.22%	35.72%	33.40%	32.33%	33.14%	35.54%	36.65%	36.15%	37.80%
Debt to EBITDA	21.88	23.30	23.15	22.08	21.93	23.68	22.09	18.76	17.23	16.34	15.86
Net Debt to EBITDA	20.25	21.57	21.40	20.34	20.11	21.32	19.81	16.23	14.82	13.94	13.41
Long-Term Debt to EBITDA	21.88	23.30	23.15	22.08	21.93	23.68	22.09	18.76	16.41	16.34	15.86
Debt to NOPAT	28.57	30.50	30.29	28.50	28.26	30.52	28.05	23.86	21.77	20.66	20.30
Net Debt to NOPAT	26.43	28.23	28.00	26.25	25.91	27.48	25.16	20.65	18.73	17.62	17.18
Long-Term Debt to NOPAT	28.57	30.50	30.29	28.50	28.26	30.52	28.05	23.86	20.73	20.66	20.30
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-92	-83	-24	-33	10	2.43	-14	1.59	3.50	6.81	9.28
Operating Cash Flow to CapEx	1,955.73%	1,872.92%	2,553.88%	2,513.45%	5,851.71%	2,870.34%	772.06%	1,359.39%	1,356.07%	858.26%	1,043.89%
Free Cash Flow to Firm to Interest Expense	-9.90	-8.62	-2.30	-3.04	0.97	0.23	-1.29	0.15	0.34	0.70	0.94
Operating Cash Flow to Interest Expense	0.41	0.22	0.28	0.27	0.63	0.21	0.46	0.60	0.26	0.29	0.31
Operating Cash Flow Less CapEx to Interest Expense	0.39	0.21	0.27	0.26	0.62	0.20	0.40	0.55	0.24	0.25	0.28
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03
Fixed Asset Turnover	3.13	3.17	3.18	3.26	3.31	3.38	3.43	3.55	3.72	3.82	3.89
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	406	405	383	392	398	405	399	394	398	401	392
Invested Capital Turnover	0.12	0.12	0.11	0.11	0.11	0.11	0.12	0.12	0.12	0.12	0.13
Increase / (Decrease) in Invested Capital	93	86	26	35	-7.99	-0.46	16	2.01	-0.09	-4.02	-7.05
Enterprise Value (EV)	373	371	357	368	395	375	383	368	362	361	373
Market Capitalization	122	118	124	136	153	129	144	148	145	143	167
Book Value per Share	$11.99	$11.91	$11.85	$12.74	$12.18	$12.47	$12.71	$13.43	$13.95	$13.80	$14.12
Tangible Book Value per Share	$11.99	$11.91	$11.85	$12.74	$12.18	$12.47	$12.71	$13.43	$13.95	$13.80	$14.12
Total Capital	406	405	383	392	398	405	399	394	398	401	392
Total Debt	271	273	252	252	265	274	267	254	252	256	244
Total Long-Term Debt	271	273	252	252	265	274	267	254	240	256	244
Net Debt	251	253	233	232	243	247	239	220	217	218	206
Capital Expenditures (CapEx)	0.19	0.12	0.11	0.11	0.12	0.08	0.63	0.46	0.20	0.32	0.29
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	271	273	252	252	265	274	267	254	252	256	244
Total Depreciation and Amortization (D&A)	0.38	0.36	0.30	0.26	0.30	0.26	0.20	0.31	0.21	0.27	0.24
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.19	$0.23	$0.20	$0.25	$0.25	$0.20	$0.27	$0.37	$0.36	$0.29	$0.23
Adjusted Weighted Average Basic Shares Outstanding	11.12M	11.07M	10.99M	10.91M	10.50M	10.41M	10.43M	10.45M	10.50M	10.50M	16.76M
Adjusted Diluted Earnings per Share	$0.19	$0.23	$0.20	$0.24	$0.25	$0.20	$0.26	$0.36	$0.35	$0.28	$0.22
Adjusted Weighted Average Diluted Shares Outstanding	11.12M	11.07M	10.99M	10.91M	10.50M	10.41M	10.43M	10.45M	10.50M	10.50M	16.76M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	11.12M	11.07M	10.99M	10.91M	10.50M	10.41M	10.43M	10.45M	10.50M	10.50M	16.76M
Normalized Net Operating Profit after Tax (NOPAT)	1.94	2.37	2.06	2.47	2.48	1.97	2.60	3.60	3.41	2.79	3.78
Normalized NOPAT Margin	18.48%	21.61%	19.28%	22.98%	22.39%	17.24%	21.98%	28.56%	26.11%	21.86%	27.72%
Pre Tax Income Margin	20.71%	24.82%	22.13%	26.41%	26.55%	20.29%	25.21%	33.68%	31.48%	26.27%	19.50%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.24	0.28	0.23	0.26	0.27	0.22	0.28	0.40	0.40	0.34	0.27
NOPAT to Interest Expense	0.21	0.24	0.20	0.23	0.23	0.19	0.25	0.34	0.33	0.29	0.23
EBIT Less CapEx to Interest Expense	0.21	0.27	0.21	0.25	0.26	0.21	0.22	0.36	0.38	0.31	0.24
NOPAT Less CapEx to Interest Expense	0.19	0.23	0.19	0.22	0.22	0.18	0.19	0.30	0.31	0.25	0.20
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	62.41%	65.22%	69.61%	64.91%	60.75%	64.08%	60.47%	54.33%	50.40%	46.86%	48.53%
Augmented Payout Ratio	128.30%	134.17%	128.24%	110.95%	114.52%	155.46%	149.42%	125.55%	99.07%	58.15%	48.53%

Financials Breakdown Chart

Key Financial Trends

Richmond Mutual Bancorporation’s latest statements show continued balance-sheet expansion and stronger core revenue, although profitability weakened in the second quarter of 2026. The company reported $13.7 million of revenue, up approximately 15% from the restated second quarter of 2025, while net interest income increased 12% to $12.1 million. Loan balances grew to $1.21 billion, up from $1.17 billion a year earlier and $1.07 billion in the third quarter of 2023.

Despite higher revenue, second-quarter 2026 net income fell to $2.2 million, compared with $2.6 million in the year-earlier period and $2.8 million in the first quarter. Results were pressured by a $1.9 million restructuring charge, higher credit-loss provisions and increased operating costs. Diluted EPS declined to $0.22 from $0.26 a year earlier, with the comparison also affected by a sharp increase in reported weighted-average shares to 16.8 million from approximately 10.5 million in prior quarters.

The balance sheet remains stronger than it was several years ago. Total assets reached $1.55 billion in June 2026, compared with $1.42 billion in September 2023, while total equity increased to $148.3 million from $118.6 million. Deposits rose to $1.14 billion, supporting loan growth, and long-term debt declined to $244 million from $267 million in the second quarter of 2025. However, cash flow reflected substantial investment-security purchases and continued reliance on deposit and debt financing to support liquidity.

Core revenue growth: Second-quarter 2026 total revenue increased approximately 15% year over year, led by higher loan interest income and stronger net interest income.
Loan expansion: Net loans and leases rose approximately 3% year over year and about 13% from the third quarter of 2023, indicating continued growth in the earning-asset base.
Improved capital position: Total equity increased to $148.3 million, up approximately 12% from the second quarter of 2025 and 25% from the third quarter of 2023.
Deposit growth: Total deposits reached approximately $1.14 billion, up about 4% year over year and providing funding for loan growth.
Lower long-term debt: Long-term debt declined to $244 million from $267 million a year earlier, while the company repaid more debt than it issued during the second quarter.
Persistent operating cash generation: Operating cash flow remained positive at $3.0 million in the second quarter, although it was below $4.8 million in the year-earlier period.
Stable dividend payments: Quarterly cash dividends remained near $1.5 million, or $0.15 per share in the first quarter of 2026, supporting shareholder returns but consuming a meaningful portion of quarterly earnings.
Profitability decline: Net income fell approximately 14% year over year and 20% sequentially, while diluted EPS declined to $0.22.
Restructuring expense: The $1.9 million restructuring charge in the second quarter materially reduced pretax and net income and creates uncertainty about the company’s near-term cost structure.
Higher credit-loss provision and investment outflows: The provision for credit losses increased to $823,000 from $745,000 a year earlier, while the company invested $32.6 million in securities, contributing to nearly $30 million of negative investing cash flow.

10/10/26 01:31 AM ETAI Generated. May Contain Errors.

Richmond Mutual Bancorporation Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Richmond Mutual Bancorporation's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Richmond Mutual Bancorporation's net income appears to be on an upward trend, with a most recent value of $11.58 million in 2025, rising from $5.68 million in 2018. The previous period was $9.38 million in 2024. Check out Richmond Mutual Bancorporation's forecast to explore projected trends and price targets.

Over the last 7 years, Richmond Mutual Bancorporation's total revenue changed from $23.99 million in 2018 to $48.91 million in 2025, a change of 103.9%.

In the past 11 quarters, Richmond Mutual Bancorporation's cash and equivalents has ranged from $8.32 million in Q2 2024 to $11.94 million in Q2 2026, and is currently $11.94 million as of their latest financial filing in Q2 2026.

Richmond Mutual Bancorporation had total debt of $252 million at the end of 2025, a 4.9% decrease from 2024, and -$136.10 million in 2018.

Over the last 7 years, Richmond Mutual Bancorporation's book value per share changed from 0.00 in 2018 to 13.95 in 2025, a change of 1,395.0%.

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Financial statements for NASDAQ:RMBI last updated on 8/14/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Richmond Mutual Bancorporation (RMBI) Financials

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Richmond Mutual Bancorporation (RMBI) Financials

Annual Income Statements for Richmond Mutual Bancorporation

Quarterly Income Statements for Richmond Mutual Bancorporation

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Quarterly Cash Flow Statements for Richmond Mutual Bancorporation

Annual Balance Sheets for Richmond Mutual Bancorporation

Quarterly Balance Sheets for Richmond Mutual Bancorporation

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Quarterly Metrics And Ratios for Richmond Mutual Bancorporation

Financials Breakdown Chart

Key Financial Trends

Richmond Mutual Bancorporation Financials - Frequently Asked Questions

When does Richmond Mutual Bancorporation's financial year end?

How has Richmond Mutual Bancorporation's net income changed over the last 7 years?

How has Richmond Mutual Bancorporation's revenue changed over the last 7 years?

How much cash does Richmond Mutual Bancorporation have?

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How has Richmond Mutual Bancorporation's book value per share changed over the last 7 years?

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