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Richmond Mutual Bancorporation Inc (RMBI)
NASDAQ:RMBI
US Market
RMBI
Richmond Mutual Bancorporation
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Richmond Mutual Bancorporation (RMBI) Ratios

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Richmond Mutual Bancorporation Ratios

RMBI's free cash flow for Q1 2026 was $0.54. For the 2026 fiscal year, RMBI's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.26 0.16 0.44 0.44
Quick Ratio
 0.00 0.26 0.16 0.44 0.44
Cash Ratio
 0.00 0.03 0.02 0.02 0.02
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00 0.01 0.01 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -1.36B$ -1.09B$ -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
 1.77 1.73 1.99 2.01 1.36
Debt-to-Capital Ratio
 0.64 0.63 0.67 0.67 0.58
Long-Term Debt-to-Capital Ratio
 0.64 0.63 0.67 0.67 0.58
Financial Leverage Ratio
 10.48 10.47 11.33 10.83 10.03
Debt Service Coverage Ratio
 0.32 0.30 0.25 0.36 1.39
Interest Coverage Ratio
 0.37 0.33 0.26 0.37 1.54
Debt to Market Cap
 1.79 1.86 1.86 2.26 1.29
Interest Debt Per Share
 30.71 30.46 30.44 28.93 17.67
Net Debt to EBITDA
 15.75 14.57 20.40 20.57 9.60
Profitability Margins
Gross Profit Margin
53.05%51.76%50.19%57.84%80.88%
EBIT Margin
16.53%15.47%12.77%15.32%27.83%
EBITDA Margin
17.13%16.37%14.00%16.98%30.11%
Operating Profit Margin
16.53%15.47%12.77%15.32%27.83%
Pretax Profit Margin
16.08%15.02%12.77%15.32%27.83%
Net Profit Margin
13.57%12.74%11.03%13.21%22.91%
Continuous Operations Profit Margin
13.57%12.74%11.03%13.21%22.91%
Net Income Per EBT
84.40%84.79%86.32%86.22%82.32%
EBT Per EBIT
97.29%97.09%100.00%100.00%100.00%
Return on Assets (ROA)
0.82%0.76%0.62%0.65%0.98%
Return on Equity (ROE)
8.80%7.94%7.06%7.03%9.79%
Return on Capital Employed (ROCE)
0.99%3.45%2.68%2.65%4.90%
Return on Invested Capital (ROIC)
0.84%2.93%2.31%2.28%4.03%
Return on Tangible Assets
0.82%0.76%0.62%0.65%0.98%
Earnings Yield
8.76%8.54%6.57%7.93%9.26%
Efficiency Ratios
Receivables Turnover
 14.79 14.43 0.56 0.45 0.41
Payables Turnover
 0.00 12.67 8.77 6.89 7.90
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.77 6.78 6.58 5.39 4.14
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.23 -0.10 -0.11 -0.12 -0.12
Cash Conversion Cycle
 24.68 -3.51 609.22 762.66 837.38
Days of Sales Outstanding
 24.68 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
 0.00 28.80 41.62 53.00 46.20
Operating Cycle
 24.68 25.30 650.85 815.66 883.58
Cash Flow Ratios
Operating Cash Flow Per Share
 289.25 1.65 1.46 1.17 1.69
Free Cash Flow Per Share
 289.12 1.51 1.42 1.11 1.65
CapEx Per Share
 0.17 0.14 0.05 0.06 0.04
Free Cash Flow to Operating Cash Flow
 1.00 0.91 0.97 0.95 0.98
Dividend Paid and CapEx Coverage Ratio
 377.38 2.22 2.40 1.85 3.79
Capital Expenditure Coverage Ratio
 1.74K 11.73 32.04 19.57 47.16
Operating Cash Flow Coverage Ratio
 10.93 0.06 0.06 0.04 0.10
Operating Cash Flow to Sales Ratio
 30.65 0.18 0.17 0.17 0.32
Free Cash Flow Yield
1956.95%10.78%10.02%9.61%12.69%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.42 11.71 15.21 12.61 10.80
Price-to-Sales (P/S) Ratio
 1.57 1.49 1.68 1.67 2.48
Price-to-Book (P/B) Ratio
 0.98 0.93 1.07 0.89 1.06
Price-to-Free Cash Flow (P/FCF) Ratio
 0.05 9.28 9.98 10.41 7.88
Price-to-Operating Cash Flow Ratio
 0.05 8.49 9.67 9.88 7.71
Price-to-Earnings Growth (PEG) Ratio
 0.27 0.40 6.92 -0.52 0.48
Price-to-Fair Value
 0.98 0.93 1.07 0.89 1.06
Enterprise Value Multiple
 24.89 23.68 32.38 30.38 17.82
Enterprise Value
 389.28M 352.36M 385.59M 370.42M 303.65M
EV to EBITDA
 24.89 23.68 32.38 30.38 17.82
EV to Sales
 4.26 3.88 4.53 5.16 5.37
EV to Free Cash Flow
 0.14 24.12 26.98 32.22 17.08
EV to Operating Cash Flow
 0.14 22.06 26.14 30.58 16.72
Tangible Book Value Per Share
 14.97 14.90 12.99 12.79 12.11
Shareholders’ Equity Per Share
 14.97 15.10 13.18 12.97 12.30
Tax and Other Ratios
Effective Tax Rate
 0.16 0.15 0.14 0.14 0.18
Revenue Per Share
 9.44 9.41 8.44 6.91 5.26
Net Income Per Share
 1.28 1.20 0.93 0.91 1.20
Tax Burden
 0.84 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
 5.13 0.17 0.24 0.26 0.34
Stock-Based Compensation to Revenue
 0.01 0.02 0.03 0.03 0.04
Income Quality
 225.87 1.38 1.57 1.28 1.40
Currency in USD