Richmond Mutual Bancorporation, Inc. (RMBI)

From the record

Richmond Mutual Bancorporation, Inc.'s filings since 2019 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Richmond Mutual Bancorporation, Inc.'s 8 filed years say what it did: revenue went from $35 million in fiscal 2018 to $86 million in fiscal 2025, up 13.6% a year; it rose in 7 of 7 years; it never fell from a peak; net income was positive in 7 of 8 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Richmond Mutual Bancorporation, Inc.'s diluted share count shrank about 3.6% a year, and dividends and buybacks returned about 80% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 6 purchases of their own stock on the open market in the year to 2026-11-04, buying about $97 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Richmond Mutual Bancorporation, Inc. earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count shrank 3.2% over the year (the filed statements).

From the record

Richmond Mutual Bancorporation, Inc.'s standing among 155 graded names in its industry family: revenue of $86 million in fiscal 2025 ranks in the bottom 9% by size; a net margin of 13.5% ranks in the bottom 13%; revenue growth of 18.3% a year over the last 3 filed years ranks in the top 44% (its annual reports).

From the record

Richmond Mutual Bancorporation, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Kleer, Garry D. (President, CEO, as filed), filing under that title since 2019-06-24, 7.4 years (bottom 45% of its family); most of the 11 officers and directors filing now have filed since the record of its people begins (2026-07-01), a floor of 4 months the record cannot see past, so that part is not read; 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 11 people in charge now (bottom 25%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Richmond Mutual Bancorporation, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $33 million against no long-term debt tagged leaves 2.2% of its assets as net cash, bottom 39% of its family; cash from operations less capital spending is 17% of revenue (bottom 22%) (its annual report).

From the record

Richmond Mutual Bancorporation, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 18.3% a year over the last three filed years against 13.6% over all 8, speeding up (top 40% of its family); the newest year grew 6.7% (top 39%); capital spending grew 52.3% a year (top 15%) (its annual reports). Richmond Mutual Bancorporation, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Richmond Mutual Bancorporation, Inc.'s newest year against its own record: revenue of $86 million in fiscal 2025 came in 14.4% below the $100 million its prior three years' pace pointed to (top 44% of its family); net income of $12 million against a prior three-year average of $11 million (bottom 42%); a net margin of 13.5% against 16.9% before (bottom 47%) (its annual reports).