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Richmond Mutual Bancorporation Inc (RMBI)
NASDAQ:RMBI
US Market
RMBI
Richmond Mutual Bancorporation
RESEARCH TOOLSreports

Richmond Mutual Bancorporation (RMBI) Ratios

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Richmond Mutual Bancorporation Ratios

RMBI's free cash flow for Q4 2025 was $0.56. For the 2025 fiscal year, RMBI's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.02 0.02 0.16 0.44 0.44
Quick Ratio
 0.02 0.02 0.16 0.44 0.44
Cash Ratio
 8.29 8.29 0.02 0.02 0.02
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.01 14.28 0.01 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.12 117.34 0.00 0.00 0.00
Net Current Asset Value
$ -1.35B$ -1.35B$ -1.19B$ -862.75M$ -757.35M
Leverage Ratios
Debt-to-Assets Ratio
 0.17 0.17 0.18 0.19 0.14
Debt-to-Equity Ratio
 1.73 1.73 1.99 2.01 1.36
Debt-to-Capital Ratio
 0.63 0.63 0.67 0.67 0.58
Long-Term Debt-to-Capital Ratio
 0.44 0.44 0.67 0.67 0.58
Financial Leverage Ratio
 10.46 10.46 11.33 10.83 10.03
Debt Service Coverage Ratio
 0.07 0.07 0.25 0.36 1.39
Interest Coverage Ratio
 0.33 0.33 0.26 0.37 1.54
Debt to Market Cap
 1.90 1.86 1.86 2.26 1.29
Interest Debt Per Share
 30.46 30.46 30.44 28.93 17.67
Net Debt to EBITDA
 -606.40 -606.40 20.40 20.57 9.60
Profitability Margins
Gross Profit Margin
51.76%51.76%50.19%57.84%80.88%
EBIT Margin
15.47%15.47%12.77%15.32%27.83%
EBITDA Margin
16.37%16.37%14.00%16.98%30.11%
Operating Profit Margin
15.47%15.47%12.77%15.32%27.83%
Pretax Profit Margin
15.02%15.02%12.77%15.32%27.83%
Net Profit Margin
12.74%12.74%11.03%13.21%22.91%
Continuous Operations Profit Margin
12.74%12.74%11.03%13.21%22.91%
Net Income Per EBT
84.79%84.79%86.32%86.22%82.32%
EBT Per EBIT
97.09%97.09%100.00%100.00%100.00%
Return on Assets (ROA)
0.76%0.76%0.62%0.65%0.98%
Return on Equity (ROE)
8.43%7.94%7.06%7.03%9.79%
Return on Capital Employed (ROCE)
3.46%3.46%2.68%2.65%4.90%
Return on Invested Capital (ROIC)
2.20%2.20%2.31%2.28%4.03%
Return on Tangible Assets
0.76%0.76%0.62%0.65%0.98%
Earnings Yield
8.70%8.54%6.57%7.93%9.26%
Efficiency Ratios
Receivables Turnover
 14.43 14.43 0.56 0.45 0.41
Payables Turnover
 12.67 12.67 8.77 6.89 7.90
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 0.00 6.58 5.39 4.14
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.09 -0.09 -0.11 -0.12 -0.12
Cash Conversion Cycle
 -3.51 -3.51 609.22 762.66 837.38
Days of Sales Outstanding
 25.30 25.30 650.85 815.66 883.58
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 28.80 28.80 41.62 53.00 46.20
Operating Cycle
 25.30 25.30 650.85 815.66 883.58
Cash Flow Ratios
Operating Cash Flow Per Share
 1.65 1.65K 1.46 1.17 1.69
Free Cash Flow Per Share
 1.51 1.65K 1.42 1.11 1.65
CapEx Per Share
 0.14 0.14 0.05 0.06 0.04
Free Cash Flow to Operating Cash Flow
 0.91 1.00 0.97 0.95 0.98
Dividend Paid and CapEx Coverage Ratio
 2.22 2.22K 2.40 1.85 3.79
Capital Expenditure Coverage Ratio
 11.73 11.73K 32.04 19.57 47.16
Operating Cash Flow Coverage Ratio
 0.06 63.37 0.06 0.04 0.10
Operating Cash Flow to Sales Ratio
 0.18 175.69 0.17 0.17 0.32
Free Cash Flow Yield
10.85%11780.65%10.02%9.61%12.69%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.32 11.71 15.21 12.61 10.80
Price-to-Sales (P/S) Ratio
 1.46 1.49 1.68 1.67 2.48
Price-to-Book (P/B) Ratio
 0.90 0.93 1.07 0.89 1.06
Price-to-Free Cash Flow (P/FCF) Ratio
 9.07 <0.01 9.98 10.41 7.88
Price-to-Operating Cash Flow Ratio
 8.20 <0.01 9.67 9.88 7.71
Price-to-Earnings Growth (PEG) Ratio
 1.23 0.40 6.92 -0.52 0.48
Price-to-Fair Value
 0.90 0.93 1.07 0.89 1.06
Enterprise Value Multiple
 -597.49 -597.29 32.38 30.38 17.82
Enterprise Value
 -8.89B -8.89B 385.59M 370.42M 303.65M
EV to EBITDA
 -597.35 -597.29 32.38 30.38 17.82
EV to Sales
 -97.79 -97.78 4.53 5.16 5.37
EV to Free Cash Flow
 -608.50 -0.56 26.98 32.22 17.08
EV to Operating Cash Flow
 -556.60 -0.56 26.14 30.58 16.72
Tangible Book Value Per Share
 14.79 14.79 12.99 12.79 12.11
Shareholders’ Equity Per Share
 15.10 15.10 13.18 12.97 12.30
Tax and Other Ratios
Effective Tax Rate
 0.15 0.15 0.14 0.14 0.18
Revenue Per Share
 9.41 9.41 8.44 6.91 5.26
Net Income Per Share
 1.20 1.20 0.93 0.91 1.20
Tax Burden
 0.85 0.85 0.86 0.86 0.82
Interest Burden
 0.97 0.97 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.17 0.17 0.24 0.26 0.34
Stock-Based Compensation to Revenue
 8.98 8.98 0.03 0.03 0.04
Income Quality
 <0.01 1.38 1.57 1.28 1.40
Currency in USD