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Richmond Mutual Bancorporation, Inc. operates as the bank holding company for First Bank Richmond that provides various banking services. The company accepts various deposits, including savings deposit accounts, money market accounts, NOW and demand accounts, and certificates of deposit. It also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, and residential real estate loans, including home equity loans, lines of credits, and consumer loans. In addition, the company engages in the lease financing business; and provision of fee-based financial services comprising trust and estate administration, investment management, retirement plan administration, and private banking services. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 13.65M | 10.86M | 11.00M | 15.75M | 13.58M |
| Net income | 11.58M | 9.38M | 9.49M | 12.97M | 11.14M |
| Selling general administrative | 14.93M | 19.88M | 18.60M | 19.17M | 20.79M |
| Selling and marketing expenses | 0.27M | 0.38M | 0.39M | 0.46M | 0.40M |
| Gross profit | 47.04M | 42.68M | 41.54M | 46.37M | 43.53M |
| Reconciled depreciation | 1.10M | 1.04M | 1.23M | 1.29M | 1.54M |
| Ebit | 14.06M | 10.86M | 11.00M | 25.74M | 13.58M |
| Ebitda | 14.88M | 11.91M | 12.19M | 27.03M | 15.12M |
| Depreciation and amortization | 0.82M | 1.04M | 1.19M | 1.29M | 1.54M |
| Operating income | 14.06M | 10.86M | 11.00M | 25.74M | 13.58M |
| Other operating expenses | 76.83M | 74.19M | 60.81M | 20.63M | 29.95M |
| Interest expense | 42.06M | 41.82M | 29.75M | 10.22M | 7.68M |
| Tax provision | 2.08M | 1.49M | 1.95M | 2.78M | 2.44M |
| Interest income | 85.91M | 80.53M | 63.13M | 51.86M | 45.93M |
| Net interest income | 43.85M | 38.71M | 38.86M | 41.64M | 38.24M |
| Income tax expense | 2.08M | 1.49M | 1.52M | 2.78M | 2.44M |
| Total revenue | 90.89M | 85.05M | 71.82M | 46.37M | 43.53M |
| Total operating expenses | 32.98M | 31.82M | 30.53M | -20.63M | -29.95M |
| Cost of revenue | 43.81M | 42.37M | 30.28M | - | - |
| Total other income expense net | -0.41M | -32.05M | -5.34M | -9.99M | -7.68M |
| Net income from continuing ops | 11.58M | 9.38M | 10.85M | 12.97M | 11.14M |
| Net income applicable to common shares | - | - | - | 12.96M | 11.14M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1525.79M | 1504.87M | 1462.42M | 1328.62M | 1267.64M |
| Intangible assets | 1.88M | 1.95M | 1.95M | 2.01M | 1.65M |
| Other current assets | -261170.97M | - | 26.08M | 0.47M | 0.56M |
| Total liab | 1380.01M | 1372.00M | 1327.56M | 1195.64M | 1087.16M |
| Total stockholder equity | 145.78M | 132.87M | 134.86M | 132.98M | 180.48M |
| Other current liab | 1114.89M | 1093.94M | 759.33M | -1.37M | -0.26M |
| Common stock | 0.11M | 0.11M | 0.11M | 0.12M | 0.12M |
| Capital stock | 0.11M | 0.11M | 0.11M | 0.12M | 0.12M |
| Retained earnings | 97.32M | 91.58M | 87.90M | 88.72M | 80.16M |
| Other liab | - | - | - | 10.38M | 4.32M |
| Other assets | - | 0.79M | - | -301963.76M | 373.54M |
| Cash | 35.20M | 22.06M | 20.24M | 16.41M | 23.04M |
| Total current liabilities | 1118.35M | 1098.77M | 868.39M | 1.37M | 0.26M |
| Current deferred revenue | - | - | -4.40M | - | - |
| Net debt | 216.80M | 242.94M | 251.27M | 163.59M | 156.96M |
| Short term debt | 136.10M | 125.07M | 109.07M | - | - |
| Short long term debt total | 252.00M | 265.00M | 271.51M | 180.00M | 180.00M |
| Other stockholder equity | 82.91M | 86.99M | 101.35M | 93.90M | 101.41M |
| Property plant equipment | - | - | - | 13.67M | 14.35M |
| Total current assets | 293.42M | 179.21M | 26.08M | 4724.22M | 511.53M |
| Long term investments | 254.66M | 261.69M | 287.64M | 291.57M | 366.58M |
| Net tangible assets | - | - | - | 132.98M | 180.48M |
| Short term investments | 251.92M | 5.49M | 282.69M | 284.90M | 357.54M |
| Net receivables | 6.30M | 151.66M | 160.49M | 138.18M | 130.95M |
| Long term debt | 252.00M | 265.00M | 271.00M | 180.00M | 180.00M |
| Inventory | - | - | -5823.48M | - | 0.03M |
| Accounts payable | 3.46M | 4.83M | 4.40M | 1.37M | 0.26M |
| Accumulated other comprehensive income | -34.56M | -45.81M | -54.50M | -49.75M | -1.21M |
| Non currrent assets other | 182.51M | 40.25M | 1377.95M | 298260.91M | -382.57M |
| Non current assets total | 1232.37M | 1325.66M | 1436.33M | 298568.16M | 382.57M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 20.35M | -49.30M | -145.86M | -116.12M | -212.19M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -1.14M | -49.30M | -122.53M | - | -212.19M |
| Net borrowings | -13.00M | -6.00M | 91.00M | - | 10.00M |
| Total cash from financing activities | -3.46M | 36.06M | 114.74M | 90.85M | 196.11M |
| Change to operating activities | - | - | - | - | -24.51M |
| Net income | 11.58M | 9.38M | 9.49M | 12.97M | 11.14M |
| Change in cash | 11.37M | 1.52M | 4.32M | -7.12M | -25.73M |
| Begin period cash flow | 21.76M | 20.24M | 15.92M | 23.04M | 48.77M |
| End period cash flow | 33.13M | 21.76M | 20.24M | 15.92M | 23.04M |
| Total cash from operating activities | 15.97M | 14.75M | 12.11M | 18.16M | -9.65M |
| Depreciation | 1.10M | 1.04M | 1.19M | 1.29M | 1.54M |
| Other cashflows from investing activities | -20.13M | -70.42M | -133.20M | - | -0.94M |
| Dividends paid | 5.84M | 5.70M | 5.92M | 4.41M | 9.28M |
| Change to account receivables | -0.27M | -0.19M | -1.13M | -0.52M | 0.51M |
| Sale purchase of stock | -5.63M | -5.04M | -6.25M | -9.86M | -11.91M |
| Other cashflows from financing activities | 21.01M | 52.80M | 35.91M | 432.61M | 0.04M |
| Change to netincome | - | - | - | - | 1.67M |
| Capital expenditures | 1.36M | 0.46M | 0.62M | 0.39M | 0.58M |
| Change in working capital | 0.45M | 1.61M | -1.88M | 0.73M | -6.54M |
| Stock based compensation | 1.55M | 2.14M | 2.24M | 2.34M | 2.61M |
| Other non cash items | 1.40M | 0.43M | 0.44M | -0.20M | -20.66M |
| Free cash flow | 14.61M | 14.29M | 11.49M | 17.78M | -10.23M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| RMBI Richmond Mutual Bancorporation Inc |
- -% |
15.68 | 13.01 | - | 5.11 | 1.71 | 9.59 |
| DBSDY DBS Group Holdings Ltd ADR |
-6.82 3.06% |
215.88 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.02 0.06% |
34.57 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.81 0.94% |
85.79 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Richmond Mutual Bancorporation, Inc. operates as the bank holding company for First Bank Richmond that provides various banking services. The company accepts various deposits, including savings deposit accounts, money market accounts, NOW and demand accounts, and certificates of deposit. It also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, and residential real estate loans, including home equity loans, lines of credits, and consumer loans. In addition, the company engages in the lease financing business; and provision of fee-based financial services comprising trust and estate administration, investment management, retirement plan administration, and private banking services. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.
31 North 9th Street, Richmond, IN, United States, 47374
765 962 2581
174
| Name | Title | Year Born |
|---|---|---|
| Mr. Garry D. Kleer | Chairman, Pres & CEO | 1956 |
| Mr. Donald A. Benziger | Exec. VP & CFO | 1953 |
| Mr. Dean W. Weinert | Division Pres of Mutual Federal Savings Bank | 1953 |
| Paul E. Allen | Sr. VP and Security Officer - Operations | NA |
| Ms. Beth A. Brittenham | Sr. VP & Corp. Sec. of First Bank Richmond | 1955 |
| Mr. Albert E. Fullerton Jr. | Sr. VP, Chief Information Officer & Information Security Officer of First Bank Richmond | 1964 |
| Ms. Cathy J. Hays | Sr. VP, Chief Audit Exec. & Training Director of First Bank Richmond | 1957 |
| Mr. Alan M. Spears | Sr. VP & Trust Officer of First Bank Richmond | 1958 |
| Mr. Paul J. Witte | Exec. VP & Chief Lending Officer of First Bank Richmond | 1973 |
| Ms. Robin S. Weinert | Sr. VP of Operations & Retail Banking of First Bank Richmond | 1964 |
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