MarketCapExport financials
Richmond Mutual Bancorporation (RMBI)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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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
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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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