Richmond Mutual Bancorporation, Inc. RMBI | NASDAQ
$14.92
-$0.19 | -1.26%
SIGNAL:
|2026-09-23
|F&G 30
|RSI 34.9
|2026-09-23
|F&G 30
|RSI 34.9
Company Overview:
Market Cap:
$239.28M
Trailing PE:
12.2x
FWD PE:
—
Payout Ratio (TTM):
48.5%
52-Week Range:
$12.77 - $16.59
7.2 Year RMBI Performance Metrics:
Total Return (with DRIP):
40.6% (4.85% CAGR)
Total Return (no DRIP):
33.8% (4.13% CAGR)
Share Price:
9.3% (1.24% CAGR)
Yield on Cost (with DRIP):
5.65%
Total Invested:
$10,000
Total Value (with DRIP):
$14,059
Total Return $ (with DRIP):
$4,059
Dividend Increase:
200.0% (19.22% CAGR)
Dividend Yield (FWD):
4.02% ($0.60)
RMBI 7.2-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
RMBI Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
RMBI Price CAGR:1Y: 4.78%2Y: 7.54%5Y: -1.03%10Y: 1.24%
RMBI Dividend Charts
RMBI Dividend CAGR:1Y: 0.00%2Y: 3.51%5Y: 16.47%10Y: 19.22%
RMBI Dividend Payout Ratio CAGR:1Y: 18.90%2Y: -2.86%5Y: -23.15%10Y: 0.00%
RMBI Dividend to FCF Ratio CAGR:1Y: 56.67%2Y: 2.15%5Y: 0.00%10Y: 0.00%
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RMBI Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
RMBI Revenue CAGR:1Y: 4.87%2Y: 5.27%5Y: 13.04%10Y: 0.00%
RMBI EPS CAGR:1Y: -11.54%2Y: 7.24%5Y: -0.85%10Y: 0.00%
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RMBI Net Income CAGR:1Y: -14.41%2Y: 3.96%5Y: -4.35%10Y: 0.00%
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RMBI EBITDA CAGR:1Y: -18.09%2Y: 0.74%5Y: -6.83%10Y: 0.00%
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RMBI Free Cash Flow CAGR:1Y: -35.04%2Y: -1.14%5Y: 0.00%10Y: 0.00%
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RMBI Free Cash Flow / Share CAGR:1Y: -34.96%2Y: 0.78%5Y: 0.00%10Y: 0.00%
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RMBI Operating Income CAGR:1Y: -10.77%2Y: 6.10%5Y: -4.89%10Y: 0.00%
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RMBI Gross Profit CAGR:1Y: 16.04%2Y: 11.28%5Y: 4.55%10Y: 0.00%
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RMBI Shares Outstanding CAGR:1Y: -0.77%2Y: -1.44%5Y: -3.36%10Y: 0.00%
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RMBI Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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RMBI Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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RMBI Expenses CAGR:1Y: -53.75%2Y: 59.39%5Y: 122.22%10Y: 0.00%
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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
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RMBI Actual Revenue CAGR:1Y: 4.87%2Y: 5.27%5Y: 13.04%10Y: 0.00%
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RMBI Actual EPS CAGR:1Y: -11.54%2Y: 7.24%5Y: -0.85%10Y: 0.00%
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RMBI Actual Net Income CAGR:1Y: -14.41%2Y: 3.96%5Y: -4.35%10Y: 0.00%
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RMBI Actual EBITDA CAGR:1Y: -18.09%2Y: 0.74%5Y: -6.83%10Y: 0.00%
Ratios, Profit Margins & Return on Capital:
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RMBI Net Profit Margin CAGR:1Y: -18.33%2Y: -1.24%5Y: -15.37%10Y: 0.00%
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RMBI Gross Profit Margin CAGR:1Y: 10.65%2Y: 5.72%5Y: -7.51%10Y: 0.00%
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RMBI Price to Earnings CAGR:1Y: 35.09%2Y: 9.44%5Y: 2.15%10Y: 0.00%
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RMBI Price To Sales Ratio CAGR:1Y: 9.58%2Y: 9.35%5Y: -13.38%10Y: 0.00%
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RMBI Return on Capital Employed CAGR:1Y: -76.57%2Y: -46.73%5Y: -27.65%10Y: 0.00%
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RMBI Return on Invested Capital CAGR:1Y: -77.53%2Y: -47.81%5Y: -27.24%10Y: 0.00%
RMBI Dividends Info:
Annual Dividend:
$0.6
Forward Yield:
4.02%
Ex-Dividend Date:
2026-09-03
Lifetime Dividends / Share:
$3.50
RMBI Dividend History: Dates, Payments & Yield list
Below is a schedule of all RMBI dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 09/03/2026 | 09/07/2026 | $0.150 | 3.78% | 3.71% | $16.16 |
| 06/03/2026 | 06/05/2026 | $0.150 | 4.19% | 4.08% | $14.69 |
| 02/25/2026 | 02/27/2026 | $0.150 | 4.25% | 4.44% | $13.50 |
| 12/04/2025 | 12/08/2025 | $0.150 | 4.28% | 4.42% | $13.57 |
| 09/04/2025 | 09/08/2025 | $0.150 | 4.03% | 4.12% | $14.57 |
| 06/05/2025 | 06/09/2025 | $0.150 | 4.63% | 4.33% | $13.85 |
| 02/26/2025 | 02/28/2025 | $0.150 | 4.75% | 4.67% | $12.84 |
| 12/05/2024 | 12/09/2024 | $0.140 | 3.79% | 3.78% | $14.82 |
| 09/04/2024 | 09/06/2024 | $0.140 | 4.43% | 4.55% | $12.30 |
| 05/30/2024 | 06/03/2024 | $0.140 | 5.08% | 4.79% | $11.68 |
| 03/01/2024 | 03/04/2024 | $0.140 | 4.84% | 4.69% | $11.95 |
| 11/29/2023 | 12/01/2023 | $0.140 | 4.97% | 4.91% | $11.40 |
| 08/30/2023 | 09/01/2023 | $0.140 | 4.93% | 4.91% | $11.40 |
| 05/31/2023 | 06/02/2023 | $0.140 | 4.98% | 4.89% | $11.45 |
| 03/03/2023 | 03/06/2023 | $0.140 | 4.27% | 4.31% | $13.00 |
| 11/30/2022 | 12/15/2022 | $0.100 | 3.1% | 3.17% | $12.61 |
| 08/31/2022 | 09/15/2022 | $0.100 | 2.85% | 2.86% | $13.98 |
| 06/01/2022 | 06/16/2022 | $0.100 | 2.68% | 3.04% | $13.15 |
| 03/02/2022 | 03/17/2022 | $0.100 | 2.29% | 2.25% | $17.75 |
| 12/01/2021 | 12/16/2021 | $0.070 | 1.74% | 1.73% | $16.23 |
| 09/01/2021 | 09/16/2021 | $0.070 | 1.83% | 1.83% | $15.28 |
| 06/02/2021 | 06/17/2021 | $0.070 | 1.92% | 1.95% | $14.33 |
| 04/20/2021 | 05/05/2021 | $0.500 | 14.57% | 14.53% | $13.76 |
| 03/03/2021 | 03/18/2021 | $0.070 | 2.04% | 2.06% | $13.57 |
| 12/02/2020 | 12/17/2020 | $0.050 | 1.54% | 1.47% | $13.63 |
| 09/02/2020 | 09/17/2020 | $0.050 | 1.76% | 1.77% | $11.27 |
| 06/03/2020 | 06/18/2020 | $0.050 | 1.7% | 1.79% | $11.18 |
Projected Future Returns & Dividends for RMBI
Based on past 7.2-year performance, here are RMBI growth metrics:
Share price CAGR of +1.24%
Dividend CAGR of +19.32%
Using RMBI CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| RMBI (DRIP) | RMBI - No DRIP | |
|---|---|---|
| Current Price | $14.92 | $14.92 |
| Start Shares | 670.24 | 670.24 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 1,666.88 | 670.24 |
| Dividends Payment | $0.80 | $0.80 |
| Annual Dividends | $5,335 | $2,145 |
| Yield on cost | 53.35% | 21.45% |
| Share Price | $16.88 | $16.88 |
| Total Dividends | $16,100 | $9,920 |
| Final Value | $28,141 | $21,235 |
Estimated Future Value + Dividends - RMBI
NOTE: Above numbers are our estimate based on RMBI's Dividend and Price CAGR over past 7.2 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
Richmond Mutual Bancorporation, Inc. (RMBI) had its IPO on 2019-07-02, and is traded on NASDAQ stock exchange.
Richmond Mutual Bancorporation, Inc. serves as the parent organization for First Bank Richmond, offering a diverse array of banking and financial services. The company facilitates various deposit accounts, including savings, money market, NOW, demand deposit, and certificates of deposit. Its lending portfolio encompasses numerous loan types, such as multi-family and commercial real estate, commercial and industrial, construction and development, residential real estate, and consumer loans. Additionally, it engages in lease financing and provides fee-based financial services, including trust and estate administration, investment management, retirement plan administration, and private banking. Established in 1887 and headquartered in Richmond, Indiana, the firm operates through 12 full-service and one limited-service banking offices, with eight located across Indiana and five in Ohio. A loan production office in Columbus, Ohio, further extends its reach.
RMBI website: https://www.firstbankrichmond.com
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DCF Model — RMBI
Value from:
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Pay up to today
—
vs current price $14.92
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
