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Richmond Mutual Bancorporation RMBI
$ 15.32 3.24%
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Quarterly report 2026-Q2
added 08-13-2026

Richmond Mutual Bancorporation Financial Ratios 2025-2011 | RMBI

Brief overview of Richmond Mutual Bancorporation's financial ratios

The comparison uses the five latest available annual observations between 2021 and 2025.

Market valuation is represented by P/E 12.38x (median 13.47x), P/B 0.98x (median 0.98x), P/CF 8.98x (median 9.38x). The combined ratio level is close to the company's five-year norm at a -4.3% deviation. No clear premium or discount is visible.

The 1/P/E calculation produces a 8.1% earnings yield. It does not capture future growth or capital structure.

Capital efficiency is characterized by ROE 7.9%, ROA 0.8%. Profitability remains low. Market valuation has limited fundamental support until resource returns improve.

For financial institutions, P/B, ROE and ROA are particularly relevant, while EV/EBITDA and ordinary liquidity ratios have limited comparability.

Overall picture

Richmond Mutual Bancorporation's profile looks neutral, with price and fundamental efficiency broadly aligned.

Annual Financial Ratios Richmond Mutual Bancorporation

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

P/E

12.4 16.1 13.5 9.7 18.3 15.5 -14.7 - - - - - - - -

P/S

- - - - - 3.7 6.1 - - - - - - - -

EPS

1.2 0.9 0.9 1.2 1.0 0.8 -1.3 - - - - - - - -

EV (Enterprise Value)

1.49 B 1.5 B 1.43 B 1.31 B 1.27 B 998 M 965 M 749 M 672 M - - - - - -

EBITDA per Share

0.08 0.08 0.08 0.09 0.09 1.1 - - - - - - - - -

EV/EBITDA

1671.0 1765.1 1469.2 1227.7 1127.5 10.3 - - - - - - - - -

PEG

-0.6 - - - - 0.09 0.04 - - - - - - - -

P/B

1.0 1.1 0.9 1.0 1.1 0.8 1.1 - - - - - - - -

P/CF

9.0 10.2 10.5 6.9 -21.2 9.4 22.7 - - - - - - - -

ROE %

7.94 7.06 7.03 9.79 6.18 5.20 -7.50 - - - - - - - -

ROA %

0.76 0.62 0.65 0.98 0.88 0.92 -1.43 - - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.2 - 11.4 - - - - - - - -

DSO

- - - - - - 32.6 - - - - - - - -

All numbers in USD currency

Quarterly Financial Ratios Richmond Mutual Bancorporation

2026-Q2 2026-Q1 2025-Q4 2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

0.27 0.29 - 0.37 0.27 0.2 - 0.25 0.2 0.23 - 0.19 0.26 0.27 - 0.3 0.32 0.27 - 0.28 0.24 0.22 - 0.21 0.2 0.2 - -0.26 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

EBITDA per Share

- 0.02 - - - 0.02 - - - 0.02 - - - 0.02 - 0.07 0.04 0.02 - 0.07 0.04 0.02 - 0.06 0.04 0.02 - 0.05 4.59 K 2.34 K - 6.74 K 4.54 K - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROE %

8.42 7.96 6.04 7.80 6.81 6.63 5.13 6.78 7.08 7.65 5.86 8.39 9.25 9.10 6.95 8.68 7.68 6.52 4.60 5.91 5.49 5.24 3.89 2.16 1.02 0.45 -0.82 1.07 4.40 5.63 4.90 1.89 1.60 1.41 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROA %

0.76 0.72 0.54 0.70 0.61 0.59 0.46 0.60 0.63 0.70 0.54 0.79 0.93 0.97 0.76 1.01 1.00 0.95 0.71 0.94 0.92 0.92 0.69 0.36 0.16 0.07 -0.16 0.03 0.53 0.63 0.50 0.19 0.16 0.14 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.1 1.1 1.1 1.1 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company Richmond Mutual Bancorporation, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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