Richmond Mutual Financials
RMBI Stock | USD 12.91 0.10 0.78% |
Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Debt Equity Ratio | 1.09 | 1.9944 |
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Current Ratio | 49.34 | 51.94 |
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The essential information of the day-to-day investment outlook for Richmond Mutual includes many different criteria found on its balance sheet. An individual investor should monitor Richmond Mutual's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Richmond Mutual.
Net Income |
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Richmond | Select Account or Indicator |
Richmond Mutual Stock Summary
Richmond Mutual competes with Rhinebeck Bancorp, Magyar Bancorp, Community West, First Financial, and Home Federal. Richmond Mutual Bancorporation, Inc. operates as a holding company for First Bank Richmond that provides various banking services. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana. Richmond Mutual operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 184 people.Specialization | Financial Services, Banks - Regional |
Instrument | USA Stock View All |
Exchange | NASDAQ Exchange |
ISIN | US76525P1003 |
CUSIP | 76525P100 |
Location | Indiana; U.S.A |
Business Address | 31 North 9th |
Sector | Banks |
Industry | Financials |
Benchmark | Dow Jones Industrial |
Website | www.firstbankrichmond.com |
Phone | 765 962 2581 |
Currency | USD - US Dollar |
Richmond Mutual Key Financial Ratios
Return On Equity | 0.0701 | ||||
Profit Margin | 0.22 % | ||||
Operating Margin | 0.27 % | ||||
Price To Sales | 3.00 X | ||||
Revenue | 42.91 M |
Richmond Mutual Key Balance Sheet Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Total Assets | 1.1B | 1.3B | 1.3B | 1.5B | 1.5B | 1.3B | |
Other Current Liab | (222.1K) | 5.5M | 24.3M | 759.3M | 873.2M | 916.9M | |
Other Liab | 26.7M | 23.7M | 4.3M | 10.4M | 11.9M | 14.5M | |
Net Tangible Assets | 187.8M | 192.7M | 180.5M | 133.0M | 152.9M | 158.0M | |
Net Debt | 121.2M | 157.0M | 163.6M | 250.8M | 243.2M | 173.0M | |
Retained Earnings | 78.3M | 80.2M | 88.7M | 87.9M | 101.1M | 87.1M | |
Accounts Payable | 222.1K | 258.0K | 1.4M | 4.4M | 5.1M | 5.3M | |
Cash | 48.8M | 23.0M | 16.4M | 12.0M | 21.8M | 19.4M | |
Other Assets | 395.7M | 373.5M | (302.0B) | (173.9M) | (156.5M) | (164.3M) | |
Long Term Debt | 154M | 170M | 180M | 271M | 311.7M | 187.8M | |
Net Receivables | 121.9M | 131.0M | 4.7B | 160.5M | 184.6M | 175.3M | |
Inventory | (53.5M) | (27.2M) | 4.6B | (5.8B) | (5.2B) | (5.0B) | |
Other Current Assets | 53.5M | 27.2M | 21.1M | 26.1M | 23.5M | 22.3M | |
Total Liab | 891.5M | 1.1B | 1.2B | 1.3B | 1.4B | 1.1B | |
Net Invested Capital | 362.7M | 360.5M | 313.0M | 405.9M | 466.7M | 344.4M | |
Total Current Assets | 415.1M | 511.5M | 4.7B | 198.6M | 21.8M | 20.7M | |
Intangible Assets | 1.7M | 1.6M | 2.0M | 1.9M | 2.2M | 1.7M | |
Common Stock | 131.9K | 124.0K | 117.8K | 112.1K | 132.9M | 139.5M | |
Capital Stock | 131.9K | 124.0K | 117.8K | 112.1K | 128.9K | 113.9K | |
Short Term Debt | 170M | 6M | 27.1M | 109.1M | 125.4M | 68.8M |
Richmond Mutual Key Income Statement Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Tax Provision | 2.5M | 2.4M | 2.8M | 1.9M | 2.2M | 1.4M | |
Net Interest Income | 32.9M | 38.2M | 41.6M | 38.9M | 44.7M | 36.7M | |
Interest Income | 42.3M | 45.9M | 51.9M | 63.1M | 72.6M | 48.6M | |
Interest Expense | 9.4M | 7.7M | 10.2M | 29.7M | 34.2M | 35.9M | |
Total Revenue | 40.1M | 43.5M | 46.4M | 42.1M | 42.9M | 42.4M | |
Gross Profit | 40.1M | 43.5M | 46.4M | 41.7M | 42.9M | 42.4M | |
Operating Income | 12.5M | 13.6M | 25.7M | 11.0M | 42.9M | 45.1M | |
Ebit | 13.0M | 14.0M | 16.0M | 11.0M | 12.7M | 9.5M | |
Ebitda | 14.0M | 15.1M | 17.0M | 12.2M | 14.0M | 10.7M | |
Income Before Tax | 12.5M | 13.6M | 15.7M | 11.0M | 10.9M | 7.8M | |
Net Income | 10.0M | 11.1M | 13.0M | 9.5M | 9.4M | 6.5M | |
Income Tax Expense | 2.5M | 2.4M | 2.8M | 1.5M | 1.5M | 1.3M |
Richmond Mutual Key Cash Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Investments | (89.3M) | (212.2M) | (116.1M) | (145.9M) | (131.3M) | (137.8M) | |
Change In Cash | 8.2M | (25.7M) | (7.1M) | 4.3M | (20.2M) | (19.2M) | |
Net Borrowings | 32.1M | 12.7M | 16M | 10M | 9M | 13.2M | |
Free Cash Flow | 14.7M | (10.2M) | 17.8M | 11.5M | 13.2M | 8.8M | |
Depreciation | 1.5M | 1.5M | 1.3M | 975.8K | 1.1M | 1.4M | |
Other Non Cash Items | 2.8M | (20.7M) | (199.6K) | 650.2K | (9.4M) | (8.9M) | |
Capital Expenditures | 960.0K | 1.9M | 579.5K | 385.1K | 619.2K | 0.0 | |
Net Income | 10.0M | 11.1M | 13.0M | 9.5M | 9.4M | 6.5M | |
End Period Cash Flow | 48.8M | 23.0M | 15.9M | 20.2M | 18.2M | 20.5M | |
Change To Netincome | 2.6M | 21.2M | 4.3M | 1.7M | 1.5M | 1.4M |
Richmond Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Richmond Mutual's current stock value. Our valuation model uses many indicators to compare Richmond Mutual value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Richmond Mutual competition to find correlations between indicators driving Richmond Mutual's intrinsic value. More Info.Richmond Mutual Bancorporation is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.09 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Richmond Mutual Bancorporation is roughly 11.13 . As of now, Richmond Mutual's Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Richmond Mutual's earnings, one of the primary drivers of an investment's value.Richmond Mutual Banc Systematic Risk
Richmond Mutual's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Richmond Mutual volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Richmond Mutual Banc correlated with the market. If Beta is less than 0 Richmond Mutual generally moves in the opposite direction as compared to the market. If Richmond Mutual Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Richmond Mutual Banc is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Richmond Mutual is generally in the same direction as the market. If Beta > 1 Richmond Mutual moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Richmond Mutual Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Richmond Mutual's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Richmond Mutual growth as a starting point in their analysis.
Price Earnings To Growth Ratio |
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Richmond Mutual March 27, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Richmond Mutual help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Richmond Mutual Bancorporation. We use our internally-developed statistical techniques to arrive at the intrinsic value of Richmond Mutual Bancorporation based on widely used predictive technical indicators. In general, we focus on analyzing Richmond Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Richmond Mutual's daily price indicators and compare them against related drivers.
Information Ratio | (0.06) | |||
Maximum Drawdown | 9.31 | |||
Value At Risk | (4.19) | |||
Potential Upside | 2.62 |
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When running Richmond Mutual's price analysis, check to measure Richmond Mutual's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Richmond Mutual is operating at the current time. Most of Richmond Mutual's value examination focuses on studying past and present price action to predict the probability of Richmond Mutual's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Richmond Mutual's price. Additionally, you may evaluate how the addition of Richmond Mutual to your portfolios can decrease your overall portfolio volatility.
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