Richmond Financial Statements From 2010 to 2026

RMBI Stock  USD 14.03  0.15  1.08%   
Richmond Mutual's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Richmond Mutual's valuation are provided below:
Gross Profit
46.8 M
Profit Margin
0.2476
Market Capitalization
134.8 M
Enterprise Value Revenue
2.7582
Revenue
46.8 M
We have found one hundred twenty available trending fundamental ratios for Richmond Mutual Banc, which can be analyzed and compared to other ratios and to its competitors. Traders should compare all of Richmond Mutual Banc recent fundamentals against the fundamentals between 2010 and 2026 to make sure the company is sustainable this year.

Richmond Mutual Total Revenue

63.89 Million

Check Richmond Mutual financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Richmond Mutual's main balance sheet or income statement drivers, such as Tax Provision of 1.4 M, Net Interest Income of 37.4 M or Interest Income of 53.6 M, as well as many indicators such as Price To Sales Ratio of 1.42, Dividend Yield of 0.0261 or PTB Ratio of 1.41. Richmond financial statements analysis is a perfect complement when working with Richmond Mutual Valuation or Volatility modules.
  
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Check out the analysis of Richmond Mutual Correlation against competitors.

Richmond Mutual Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.3 B1.7 BB
Slightly volatile
Short and Long Term Debt Total200.8 M304.8 M158.4 M
Slightly volatile
Other Current Liabilities898.1 M1.3 B741.8 M
Slightly volatile
Total Current Liabilities899.8 M1.3 B743 M
Slightly volatile
Total Stockholder Equity155.2 M152.8 M118.2 M
Slightly volatile
Other Liabilities14.5 M11.9 M10.4 M
Slightly volatile
Net Tangible Assets158 M152.9 M118.3 M
Slightly volatile
Property Plant And Equipment Net11.1 M11.6 M13.5 M
Slightly volatile
Net Debt172.9 M279.4 M136.7 M
Slightly volatile
Retained Earnings88.7 M105.3 M78.9 M
Slightly volatile
Accounts Payable5.8 M5.6 M1.5 M
Slightly volatile
Cash20.2 M19.9 M21 M
Slightly volatile
Non Current Assets Total878.3 M1.5 B729.8 M
Slightly volatile
Non Currrent Assets Other30.8 M46.3 M25.6 M
Slightly volatile
Long Term Debt200.8 M304.8 M158.4 M
Slightly volatile
Cash And Short Term Investments30.1 M31.7 M166.2 M
Very volatile
Net Receivables141.2 M174.4 M121.1 M
Slightly volatile
Common Stock Total Equity159.3 K151.7 K65.1 K
Slightly volatile
Common Stock Shares Outstanding9.2 M9.8 M12 M
Slightly volatile
Short Term InvestmentsM6.3 M144.6 M
Very volatile
Long Term Debt Total583.2 K627.3 K531.7 K
Slightly volatile
Liabilities And Stockholders Equity1.3 B1.7 BB
Slightly volatile
Non Current Liabilities Total214.8 M314.2 M168.8 M
Slightly volatile
Capital Surpluse77.6 M142.9 M64.1 M
Slightly volatile
Other Current Assets22.3 M23.5 M209.2 M
Slightly volatile
Other Stockholder Equity86.1 M100 M53.1 M
Slightly volatile
Total Liabilities1.1 B1.6 B911.9 M
Slightly volatile
Net Invested Capital356 M457.6 M276.7 M
Slightly volatile
Long Term Investments270.7 M300.9 M208.4 M
Slightly volatile
Property Plant And Equipment Gross25.5 M32.9 M19.9 M
Slightly volatile
Total Current Assets391.5 M206.1 M300.2 M
Slightly volatile
Intangible Assets1.7 M2.2 M1.4 M
Slightly volatile
Common Stock100.3 K124.4 K56.1 K
Slightly volatile
Property Plant Equipment15.5 M15.7 M14 M
Slightly volatile
Earning Assets212.4 M299.7 M206.8 M
Slightly volatile
Short and Long Term Debt41.7 M46.9 M51.2 M
Slightly volatile
Capital Stock114.6 K124.4 K57 K
Slightly volatile
Short Term Debt78.6 M143.8 M67 M
Slightly volatile
Non Current Liabilities Other22.6 M25.4 M27.7 M
Slightly volatile

Richmond Mutual Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Net Interest Income37.4 M44.5 M30.6 M
Slightly volatile
Interest Income53.6 M92.6 M43.5 M
Slightly volatile
Depreciation And Amortization957.4 K818.2 K1.2 M
Slightly volatile
Interest Expense44.2 M42.1 M14.5 M
Slightly volatile
Selling General Administrative15.6 M14.9 M17.3 M
Pretty Stable
Selling And Marketing Expenses369.7 K273.4 K483.7 K
Slightly volatile
Total Revenue63.9 M90.9 M48.1 M
Slightly volatile
Gross Profit42 M47 M33.5 M
Slightly volatile
Other Operating Expenses55.2 M76.8 M41.1 M
Slightly volatile
Cost Of Revenue21.9 M43.8 M14.6 M
Slightly volatile
Total Operating Expenses33.3 M33 M26.5 M
Slightly volatile
Reconciled Depreciation998.8 K938.7 K1.2 M
Slightly volatile

Richmond Mutual Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation2.1 M2.5 M1.9 M
Slightly volatile
Begin Period Cash Flow27.1 M23.3 M21.9 M
Slightly volatile
Depreciation995.3 K938.7 K1.2 M
Slightly volatile
Dividends Paid4.1 M6.6 M2.6 M
Slightly volatile
Capital Expenditures674.8 K414.3 K681.2 K
Very volatile
Total Cash From Financing Activities30.8 M32.5 M73.1 M
Pretty Stable
End Period Cash Flow20.1 M19.6 M20.8 M
Slightly volatile
Change To Netincome1.4 M1.5 M3.9 M
Pretty Stable
Cash And Cash Equivalents Changes6.5 M7.4 MM
Slightly volatile
Cash Flows Other Operating820.6 K923.2 KM
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.421.49143.979
Slightly volatile
Dividend Yield0.02610.04270.0169
Slightly volatile
PTB Ratio1.411.231.6505
Slightly volatile
Days Sales Outstanding996748994
Slightly volatile
Book Value Per Share9.811.869.624
Slightly volatile
Average Payables2.7 M2.6 MM
Slightly volatile
Stock Based Compensation To Revenue0.02460.02260.0174
Slightly volatile
Capex To Depreciation0.750.510.5734
Pretty Stable
PB Ratio1.411.231.6505
Slightly volatile
EV To Sales6.885.216.9633
Slightly volatile
Payables Turnover9.5810.0824.9457
Slightly volatile
Sales General And Administrative To Revenue0.160.16420.3911
Slightly volatile
Capex To Revenue0.00590.00620.0157
Slightly volatile
Cash Per Share2.342.4613.8131
Pretty Stable
Payout Ratio0.360.50040.2602
Slightly volatile
Days Payables Outstanding19.9637.4620.5159
Slightly volatile
Intangibles To Total Assets0.00150.00150.0014
Pretty Stable
Current Ratio0.180.190.4079
Slightly volatile
Tangible Book Value Per Share9.6911.699.5093
Slightly volatile
Receivables Turnover0.330.50.3761
Slightly volatile
Graham Number11.4714.9510.6929
Slightly volatile
Shareholders Equity Per Share9.811.869.624
Slightly volatile
Debt To Equity1.091.791.3353
Slightly volatile
Capex Per Share0.07780.05250.0578
Slightly volatile
Average Receivables110.1 M133.9 M129.8 M
Slightly volatile
Revenue Per Share9.889.41424.4344
Slightly volatile
Interest Debt Per Share14.0927.3914.1797
Slightly volatile
Debt To Assets0.130.160.1474
Slightly volatile
Operating Cycle996748994
Slightly volatile
Price Book Value Ratio1.411.231.6505
Slightly volatile
Days Of Payables Outstanding19.9637.4620.5159
Slightly volatile
Dividend Payout Ratio0.360.50040.2602
Slightly volatile
Ebt Per Ebit0.780.870.9537
Slightly volatile
Effective Tax Rate0.240.15210.3446
Slightly volatile
Company Equity Multiplier6.9210.198.8708
Very volatile
Long Term Debt To Capitalization0.450.60.557
Very volatile
Total Debt To Capitalization0.450.60.557
Very volatile
Debt Equity Ratio1.091.791.3353
Slightly volatile
Quick Ratio0.180.190.4079
Slightly volatile
Net Income Per E B T0.620.84790.6471
Slightly volatile
Cash Ratio0.03720.02310.0315
Very volatile
Cash Conversion Cycle968701972
Slightly volatile
Days Of Sales Outstanding996748994
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.750.870.9131
Very volatile
Price To Book Ratio1.411.231.6505
Slightly volatile
Fixed Asset Turnover3.145.923.3845
Slightly volatile
Debt Ratio0.130.160.1474
Slightly volatile
Price Sales Ratio1.421.49143.979
Slightly volatile
Asset Turnover0.0370.05090.045
Pretty Stable
Gross Profit Margin0.760.51760.7398
Slightly volatile
Price Fair Value1.411.231.6505
Slightly volatile

Richmond Mutual Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap142.3 M160 M174.7 M
Slightly volatile
Enterprise Value225.8 M269 M277.1 M
Pretty Stable

Richmond Fundamental Market Drivers

Richmond Upcoming Events

25th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About Richmond Mutual Financial Statements

Investors use fundamental indicators, such as Richmond Mutual's revenue or net income, to determine how well the company is positioned to perform in the future. Although Richmond Mutual's investors may analyze each financial statement separately, they are all interrelated. Understanding these patterns can help investors make the right trading decisions.
Last ReportedProjected for Next Year
Current Deferred Revenue-5.1 M-5.3 M
Total Revenue90.9 M63.9 M
Cost Of Revenue43.8 M21.9 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.16  0.16 
Capex To Revenue 0.01  0.01 
Revenue Per Share 9.41  9.88 
Ebit Per Revenue 0.15  0.10 

Currently Active Assets on Macroaxis

When determining whether Richmond Mutual Banc offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Richmond Mutual's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Richmond Mutual Bancorporation Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Richmond Mutual Bancorporation Stock:
Check out the analysis of Richmond Mutual Correlation against competitors.
You can also try the Investing Opportunities module to build portfolios using our predefined set of ideas and optimize them against your investing preferences.
Is there potential for Regional Banks market expansion? Will Richmond introduce new products? Factors like these will boost the valuation of Richmond Mutual. Anticipated expansion of Richmond directly elevates investor willingness to pay premium valuations. Understanding fair value requires weighing current performance against future potential. All the valuation information about Richmond Mutual listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.455
Dividend Share
0.6
Earnings Share
1.17
Revenue Per Share
4.835
Quarterly Revenue Growth
0.164
Richmond Mutual Banc's market price often diverges from its book value, the accounting figure shown on Richmond's balance sheet. Smart investors calculate Richmond Mutual's intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Since Richmond Mutual's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between Richmond Mutual's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Richmond Mutual should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, Richmond Mutual's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.