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Richmond Mutual Bancorp (RMBI)

Market Price (6/20/2026): $14.7 | Market Cap: $142.3 MilSector: Financials | Industry: Regional Banks

Richmond Mutual Bancorp (RMBI)

Market Price (6/20/2026): $14.7
Market Cap: $142.3 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 4.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.5%, FCF Yield is 10%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30%

Low stock price volatility
Vol 12M is 27%

Weak multi-year price returns
2Y Excs Rtn is -0.5%, 3Y Excs Rtn is -19%

Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 88%

Key risks
RMBI key risks include [1] deteriorating credit quality evidenced by a surge in past-due loans, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 4.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.5%, FCF Yield is 10%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30%
2 Low stock price volatility
Vol 12M is 27%
3 Weak multi-year price returns
2Y Excs Rtn is -0.5%, 3Y Excs Rtn is -19%
4 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 88%
5 Key risks
RMBI key risks include [1] deteriorating credit quality evidenced by a surge in past-due loans, Show more.

RMBI in ETFs

Weight = RMBI's share of each fund

VTI0.00%
IWM0.00%
IWN0.01%
VTWO0.00%
IWO0.00%
DFAS0.00%
DFAC0.00%

Valuation & Metrics

null
RMBIS&P 500
REVENUE GROWTHFAIR
Rev LTM ($ Bil)0.1
Rev Chg Q11.6%8.8%
Rev Chg LTM14.6%7.4%
Rev Chg 3Y Avg3.2%5.8%
PROFITABILITYGOOD
Op Inc LTM ($ Bil)�
CFO LTM ($ Bil)0.0
Net Inc LTM ($ Bil)0.0
CFO/Rev LTM33.1%21.3%
Net Inc Mgn24.7%13.0%
VALUATIONLOW
P/S2.83.2
P/CFO8.614.9
P/FCF9.519.1
P/E11.524.0

AI Analysis | Feedback

MetricValueDateSource
Tier 1 capital to total assets10.85%9302025Link
Noninterest-bearing deposits to total deposits9.9%9302025Link
Uninsured deposits to total deposits23.5%9302025Link
Number of branches in Indiana810232025Link
Number of branches in Ohio510232025Link
Number of loan production offices in Ohio110232025Link
Number of full-time employees1737022019Link

Price Chart

Upcoming
7/22/2026Earnings ReleaseRev: -
EPS: -

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/8/2026

Richmond Mutual Bancorp (RMBI) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. Richmond Mutual Bancorp (RMBI) reported solid financial results for fiscal Q1 2026, which ended March 31, 2026, announced on April 23, 2026. The company posted earnings per share (EPS) of $0.28. This performance reflected a year-over-year increase in net income to $2.8 million and demonstrated the company's ability to sustain profitability despite a challenging interest rate environment. Following the announcement, RMBI's stock increased by 1.47%.

2. The planned merger with The Farmers Bancorp received shareholder approval from both companies on May 27, 2026. All required bank regulatory approvals are in place for the transaction, which was initially announced in November 2025. The merger is anticipated to close around the end of fiscal Q2 2026, with Farmers Bancorp shareholders set to receive a fixed 3.40 RMBI shares for each of their shares.

Show more
Updated on 6/8/2026

Richmond Mutual Bancorp (RMBI) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. Richmond Mutual Bancorp (RMBI) reported solid financial results for fiscal Q1 2026, which ended March 31, 2026, announced on April 23, 2026. The company posted earnings per share (EPS) of $0.28. This performance reflected a year-over-year increase in net income to $2.8 million and demonstrated the company's ability to sustain profitability despite a challenging interest rate environment. Following the announcement, RMBI's stock increased by 1.47%.

2. The planned merger with The Farmers Bancorp received shareholder approval from both companies on May 27, 2026. All required bank regulatory approvals are in place for the transaction, which was initially announced in November 2025. The merger is anticipated to close around the end of fiscal Q2 2026, with Farmers Bancorp shareholders set to receive a fixed 3.40 RMBI shares for each of their shares.

3. Consistent quarterly dividend declarations likely contributed to sustained investor confidence. Richmond Mutual Bancorporation declared a quarterly cash dividend on May 22, 2026. This regular return to shareholders can enhance the stock's appeal, particularly for income-focused investors.

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Stock Movement Drivers

Fundamental Drivers

The 10.4% change in RMBI stock from 2/28/2026 to 6/19/2026 was primarily driven by a 8.7% change in the company's Net Income Margin (%).
(LTM values as of)22820266192026Change
Stock Price ($)13.3614.7510.4%
Change Contribution By: 
Total Revenues ($ Mil)47507.1%
Net Income Margin (%)22.8%24.7%8.7%
P/E Multiple12.111.5-4.7%
Shares Outstanding (Mil)1010-0.5%
Cumulative Contribution10.4%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/19/2026
ReturnCorrelation
RMBI10.4% 
Market (SPY)9.2%17.9%
Sector (XLF)4.7%31.1%

Fundamental Drivers

The 10.6% change in RMBI stock from 11/30/2025 to 6/19/2026 was primarily driven by a 8.7% change in the company's Net Income Margin (%).
(LTM values as of)113020256192026Change
Stock Price ($)13.3414.7510.6%
Change Contribution By: 
Total Revenues ($ Mil)47507.1%
Net Income Margin (%)22.8%24.7%8.7%
P/E Multiple12.111.5-4.6%
Shares Outstanding (Mil)1010-0.5%
Cumulative Contribution10.6%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/19/2026
ReturnCorrelation
RMBI10.6% 
Market (SPY)9.9%18.7%
Sector (XLF)1.3%33.0%

Fundamental Drivers

The 17.5% change in RMBI stock from 5/31/2025 to 6/19/2026 was primarily driven by a 20.5% change in the company's Net Income Margin (%).
(LTM values as of)53120256192026Change
Stock Price ($)12.5514.7517.5%
Change Contribution By: 
Total Revenues ($ Mil)445014.6%
Net Income Margin (%)20.5%24.7%20.5%
P/E Multiple13.811.5-16.3%
Shares Outstanding (Mil)10101.7%
Cumulative Contribution17.5%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/19/2026
ReturnCorrelation
RMBI17.5% 
Market (SPY)28.1%25.8%
Sector (XLF)6.7%39.6%

Fundamental Drivers

The 50.2% change in RMBI stock from 5/31/2023 to 6/19/2026 was primarily driven by a 42.2% change in the company's P/E Multiple.
(LTM values as of)53120236192026Change
Stock Price ($)9.8214.7550.2%
Change Contribution By: 
Total Revenues ($ Mil)46508.5%
Net Income Margin (%)27.8%24.7%-11.1%
P/E Multiple8.111.542.2%
Shares Outstanding (Mil)11109.5%
Cumulative Contribution50.2%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/19/2026
ReturnCorrelation
RMBI50.2% 
Market (SPY)85.7%20.3%
Sector (XLF)77.0%26.7%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
RMBI Return24%-17%-7%29%4%7%37%
Peers Return47%-7%10%12%-3%23%100%
S&P 500 Return27%-19%24%23%16%8%98%

Monthly Win Rates [3]
RMBI Win Rate92%33%50%75%58%50% 
Peers Win Rate63%42%45%55%50%77% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
RMBI Max Drawdown-9%-30%-35%-18%-19%-11% 
Peers Max Drawdown-22%-25%-35%-21%-24%-12% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

[1] Cumulative total returns since the beginning of 2021
[2] Peers: CIVB, FFBC, GABC, LKFN, MBIN.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/18/2026 (YTD)

How Low Can It Go

EventRMBIS&P 500
2025 US Tariff Shock
  % Loss-14.4%-18.8%
  % Gain to Breakeven16.9%23.1%
  Time to Breakeven47 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-19.6%-9.5%
  % Gain to Breakeven24.4%10.5%
  Time to Breakeven44 days24 days
2023 SVB Regional Banking Crisis
  % Loss-34.0%-6.7%
  % Gain to Breakeven51.5%7.1%
  Time to Breakeven315 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-17.6%-24.5%
  % Gain to Breakeven21.3%32.4%
  Time to Breakeven888 days427 days
2020 COVID-19 Crash
  % Loss-39.7%-33.7%
  % Gain to Breakeven65.8%50.9%
  Time to Breakeven393 days140 days

Compare to CIVB, FFBC, GABC, LKFN, MBIN

In The Past

Richmond Mutual Bancorp's stock fell -14.4% during the 2025 US Tariff Shock. Such a loss loss requires a 16.9% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventRMBIS&P 500
2023 SVB Regional Banking Crisis
  % Loss-34.0%-6.7%
  % Gain to Breakeven51.5%7.1%
  Time to Breakeven315 days31 days
2020 COVID-19 Crash
  % Loss-39.7%-33.7%
  % Gain to Breakeven65.8%50.9%
  Time to Breakeven393 days140 days

Compare to CIVB, FFBC, GABC, LKFN, MBIN

In The Past

Richmond Mutual Bancorp's stock fell -14.4% during the 2025 US Tariff Shock. Such a loss loss requires a 16.9% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Richmond Mutual Bancorp (RMBI)

Richmond Mutual Bancorp (RMBI) is a financial holding company that operates primarily through its subsidiary, First Bank Richmond. The company functions as a community bank, offering a comprehensive suite of traditional banking services to individuals and businesses. Its core activities revolve around accepting various types of deposits and providing a diverse range of lending products.

RMBI's main products and services include a variety of deposit accounts such as savings, money market, NOW, and demand accounts, as well as certificates of deposit. On the lending side, the bank specializes in multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, residential real estate loans, and consumer loans. Additionally, RMBI engages in lease financing and provides fee-based financial services, including trust and estate administration, investment management, retirement plan administration, and private banking.

The company primarily serves communities across Indiana and Ohio. Its banking offices are located in various Indiana cities like Richmond, Cambridge City, Centerville, and Shelbyville, and in Ohio cities such as Sidney, Piqua, and Troy. RMBI also maintains a loan production office in Columbus, Ohio, targeting a mix of individual and commercial clients within these regional markets.

AI Analysis | Feedback

Think of it as a regional bank akin to Fifth Third Bank or Huntington Bancshares, but primarily serving communities in Indiana and Ohio.

It's like a community-focused version of a larger bank such as PNC Bank, specializing in local banking, lending, and trust services across parts of Indiana and Ohio.

AI Analysis | Feedback

  • Deposit Services: Provides various deposit accounts including savings, money market, NOW, demand, and certificates of deposit.
  • Lending Products: Offers a diverse portfolio of loans, such as real estate (commercial, multi-family, residential), commercial and industrial, construction, and consumer loans.
  • Lease Financing: Engages in the business of providing financing for leases.
  • Fee-Based Financial Services: Delivers services like trust and estate administration, investment management, retirement plan administration, and private banking for a fee.

AI Analysis | Feedback

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Richmond Mutual Bancorp (RMBI) is a community bank that provides a wide range of financial services. As such, it does not have a few "major customer companies" in the traditional sense, but rather serves a diverse base of individuals and businesses within its operating regions. Its customer base can be primarily categorized as:

  • Individual Consumers and Households: This category includes customers who utilize the bank for personal financial needs such as savings and checking accounts, money market accounts, certificates of deposit, residential real estate loans (mortgages), consumer loans, as well as fee-based services like trust and estate administration, investment management, and private banking services.
  • Small to Medium-Sized Businesses and Commercial Enterprises: These customers engage the bank for commercial and industrial loans, business deposit accounts, lease financing, and retirement plan administration services for their employees.
  • Real Estate Developers and Investors: This category encompasses clients seeking financing for multi-family and commercial real estate projects, as well as construction and development loans.
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AI Analysis | Feedback

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Garry D. Kleer Chairman, President, and Chief Executive Officer Mr. Kleer has over 40 years of experience in the banking industry. He joined First Bank Richmond in 1994 as Vice President of Commercial Lending and was promoted to President and Chief Executive Officer in 2001. He also serves as Chairman of the Mutual Federal advisory board of directors. Mr. Kleer has held significant roles in industry associations, including serving as Chairman of the Indiana Bankers Association ("IBA") and currently as the ABA constituent director on its board. He has been recognized with awards such as the Sagamore of the Wabash and induction into the IBA Leaders in Banking Excellence in 2022. He is a graduate of Indiana University, the ABA Graduate School of Commercial Lending, and the Stonier Graduate School of Banking. In connection with the announced merger with The Farmers Bancorp, he is expected to serve as Chief Executive Officer of the combined company. Bradley M. Glover Senior Vice President, Chief Financial Officer Mr. Glover oversees the finance and accounting functions of Richmond Mutual Bancorporation and First Bank Richmond, including the preparation of regulatory and managerial financial reports. He was appointed Chief Financial Officer in March 2024, having previously served as Vice President/Controller of the Bank since 2021. Mr. Glover holds a B.S. in Accounting from Ball State University's Miller College of Business and is a graduate of the Indiana Bankers Association's Leadership Development Program. Following the merger with The Farmers Bancorp, he is expected to continue as Chief Financial Officer of both the combined company and bank. Paul J. Witte President and Chief Operating Officer, First Bank Richmond Mr. Witte currently serves as the President and Chief Operating Officer of First Bank Richmond. Upon the anticipated completion of the merger with The Farmers Bancorp, he is expected to serve as the Indiana Market President of the combined bank. Dean W. Weinert President, Mutual Federal Mr. Weinert is the President of Mutual Federal, a division of First Bank Richmond. Chris D. Cook President (of the combined company post-merger) Mr. Cook is currently the President and Chief Executive Officer of Farmers Bancorp. Following the expected merger of Farmers Bancorp with Richmond Mutual Bancorporation in the second quarter of 2026, he is anticipated to serve as President of the combined company and as President and Chief Executive Officer of the combined bank.

AI Analysis | Feedback

Here are the key risks to Richmond Mutual Bancorp (RMBI):

  1. Net Interest Margin Compression and Interest Rate Risk

    Richmond Mutual Bancorp faces significant pressure on its net interest margin (NIM) due to rising deposit costs. The bank's interest expenses have been increasing at a higher rate than its interest income, leading to a declining NIM and subsequently impacting earnings growth. This sensitivity to interest rate fluctuations, particularly rising funding costs, poses a primary risk to the company's profitability.

  2. Limited Business Growth and Profitability Challenges

    The company has exhibited "underwhelming" financial performance, characterized by low return on equity (ROE) and muted business growth. Furthermore, Richmond Mutual Bancorp is noted for not having a specific competitive advantage within the banking sector. These factors contribute to challenges in achieving sustainable profitability and expanding its market presence in a competitive environment.

  3. Regulatory and Compliance Risk

    As a financial institution, Richmond Mutual Bancorp is subject to extensive federal and state regulation, supervision, and examination. Any changes in these regulations, or the company's inability to comply with applicable capital and liquidity requirements, could materially affect its operations and financial results.

AI Analysis | Feedback

The rapid emergence and growth of digital-first banks (neobanks) and various FinTech platforms offering banking, lending, and financial advisory services. These entities leverage technology to provide highly convenient, often lower-cost alternatives for deposits, loans, payments, and investment management. They directly challenge traditional banks like Richmond Mutual Bancorp by attracting customers, particularly younger generations, who prefer digital channels, potentially eroding RMBI's deposit base, loan origination volume, and fee-based service revenue. This shift reduces the competitive advantage of a physical branch network and necessitates significant investment in digital infrastructure to remain competitive.

AI Analysis | Feedback

Addressable Market Sizes for Richmond Mutual Bancorp (RMBI) Main Products and Services

For Richmond Mutual Bancorp (RMBI), which primarily operates in Indiana and Ohio, the addressable market sizes for its main products and services are identified as follows:

Deposits

  • Ohio: The overall deposit market in Ohio was approximately $565.32 billion in 2025.
  • Indiana: Total deposits in Indiana were approximately $209 billion in 2024.

Lending Products

  • Real Estate Loans (Multi-family, Commercial Real Estate, Residential Real Estate, Construction and Development Loans):
    • Ohio: The market size for the Real Estate Loans & Collateralized Debt industry in Ohio is projected to be $10.1 billion in 2026.
    • Indiana: The market size for the Real Estate Loans & Collateralized Debt industry in Indiana is projected to be $7.9 billion in 2026.
  • Commercial and Industrial Loans: Null
  • Consumer Loans:
    • Ohio: The dollar amount of consumer loans originated in Ohio in 2023 under the Small Loan Act, General Loan Law, and Consumer Installment Loan Act totaled approximately $719 million.
    • Indiana: Null

Lease Financing

  • Ohio: The market size of the Commercial Leasing industry in Ohio is projected to be $6.8 billion in 2026.
  • Indiana: The market size of the Commercial Leasing industry in Indiana is projected to be $3.2 billion in 2026.

Fee-Based Financial Services

  • Investment Management:
    • Ohio (Portfolio Management & Investment Advice industry): The market size is projected to be $9.4 billion in 2026.
    • Indiana: Null
  • Trust and Estate Administration: Null
  • Retirement Plan Administration: Null
  • Private Banking Services: Null

AI Analysis | Feedback

Richmond Mutual Bancorp (RMBI) is expected to drive future revenue growth over the next 2-3 years through several key strategies and market dynamics:

  • Strategic Merger and Expansion: The proposed merger with The Farmers Bancorp, anticipated to close in the second quarter of 2026, is a significant driver. This merger is expected to enhance the company's scale, broaden its market presence, and create significant earnings per share growth, which will translate into increased revenue through an expanded customer base and larger asset portfolio.
  • Continued Growth in Loan and Lease Portfolio: Richmond Mutual Bancorp has demonstrated a consistent focus on expanding its loan and lease portfolio. An increase in the loan and lease portfolio directly contributes to net interest income, a primary component of the company's revenue.
  • Optimization of Net Interest Margin (NIM) and Net Interest Income (NII): The company has reported an improved net interest margin, reflecting higher asset yields and lower funding costs. Sustaining or further enhancing this optimization is crucial for driving revenue growth from its core lending activities.
  • Diversification and Growth of Non-Interest Income: Recent financial results indicate a boost in non-interest income, primarily from increased loan and lease servicing fees and higher card fee income. Continued efforts to expand these fee-based services can contribute to a more diversified and growing revenue stream.
  • Deposit Base Expansion: Growth in total deposits, particularly in lower-cost savings and money market accounts, provides a stable and cost-effective funding source for the company's lending activities. This expanded deposit base supports further loan growth and helps manage funding costs, thereby contributing to net interest income growth.

AI Analysis | Feedback

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Capital Allocation Decisions for Richmond Mutual Bancorp (RMBI)

Share Repurchases

  • Richmond Mutual Bancorporation authorized a share repurchase program for up to $20 million on May 23, 2022. This program has been extended annually through May 2025.
  • As of June 30, 2025, approximately $10.5 million has been utilized to repurchase 466,374 shares under this program.
  • In the first six months of 2025, the company repurchased 40,925 common shares for an aggregate consideration of approximately $1.3 million.

Share Issuance

  • Richmond Mutual Bancorporation is issuing shares as part of an all-stock acquisition of Farmers Bancorp, valued at approximately $82 million.
  • As a result of this merger, Farmers Bancorp shareholders will receive 3.40 shares of Richmond Mutual Bancorporation for each of their shares, thereby owning about 38% of the combined company.

Outbound Investments

  • Richmond Mutual Bancorporation agreed to acquire Farmers Bancorp in an all-stock transaction valued at approximately $82 million.
  • This acquisition is anticipated to create a $2.6 billion asset community bank with a 24-branch network spanning Central and East Central Indiana, as well as Western and Central Ohio.
  • The merger is expected to close in early Q2 2026, subject to regulatory and shareholder approvals.

Capital Expenditures

  • Free Cash Flow (FCF) for Richmond Mutual Bancorporation has been reported as $14.1 million, which represents the cash remaining after capital expenditures. However, specific dollar values or the primary focus of capital expenditures over the last 3-5 years are not explicitly detailed in the available information.
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Peer Comparisons

Peers to compare with:

Financials

RMBICIVBFFBCGABCLKFNMBINMedian
NameRichmond.Civista .First Fi.German A.Lakeland.Merchant. 
Mkt Price14.7526.8531.6144.9959.8649.0938.30
Mkt Cap0.10.63.31.71.52.31.6
Rev LTM50177962376275706326
Op Inc LTM-------
FCF LTM1550800153107-1,11678
FCF 3Y Avg1346463118103-63075
CFO LTM1752831158121-1,08786
CFO 3Y Avg1449488123113-61081

Growth & Margins

RMBICIVBFFBCGABCLKFNMBINMedian
NameRichmond.Civista .First Fi.German A.Lakeland.Merchant. 
Rev Chg LTM14.6%12.9%14.4%59.7%6.8%9.5%13.7%
Rev Chg 3Y Avg3.2%5.8%7.5%16.6%3.2%16.5%6.6%
Rev Chg Q11.6%16.2%31.1%18.0%9.3%20.0%17.1%
QoQ Delta Rev Chg LTM2.7%3.8%6.9%4.1%2.2%4.3%3.9%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM33.1%29.3%86.4%42.1%43.9%-153.9%37.6%
CFO/Rev 3Y Avg30.8%30.1%54.2%43.0%43.6%-90.9%36.9%
FCF/Rev LTM29.9%28.5%83.2%40.8%38.8%-158.1%34.3%
FCF/Rev 3Y Avg28.9%28.5%51.4%41.1%40.0%-93.9%34.4%

Valuation

RMBICIVBFFBCGABCLKFNMBINMedian
NameRichmond.Civista .First Fi.German A.Lakeland.Merchant. 
Mkt Cap0.10.63.31.71.52.31.6
P/S2.93.13.44.55.53.23.3
P/Op Inc-------
P/EBIT-------
P/E11.510.911.812.513.89.911.6
P/CFO8.610.73.910.712.6-2.19.6
Total Yield12.8%11.5%11.5%10.6%10.6%10.1%11.1%
Dividend Yield4.1%2.3%3.0%2.6%3.4%0.0%2.8%
FCF Yield 3Y Avg10.6%14.7%18.1%9.0%6.6%-33.3%9.8%
D/E1.80.40.30.10.02.10.3
Net D/E0.9-0.4-1.3-0.7-0.31.7-0.4

Returns

RMBICIVBFFBCGABCLKFNMBINMedian
NameRichmond.Civista .First Fi.German A.Lakeland.Merchant. 
1M Rtn2.7%6.7%4.6%4.5%0.2%6.9%4.6%
3M Rtn13.4%23.8%19.4%11.7%9.2%19.4%16.4%
6M Rtn3.9%13.9%22.3%12.1%2.7%40.5%13.0%
12M Rtn16.5%26.2%41.3%25.9%5.9%58.5%26.0%
3Y Rtn52.8%76.3%62.9%70.9%21.8%92.4%66.9%
1M Excs Rtn3.5%6.2%4.8%3.5%0.7%8.1%4.2%
3M Excs Rtn-4.1%8.8%5.7%0.3%-5.2%4.3%2.3%
6M Excs Rtn-5.6%2.8%10.7%0.4%-8.6%23.7%1.6%
12M Excs Rtn-8.4%0.8%16.8%0.3%-19.3%36.5%0.6%
3Y Excs Rtn-19.0%4.9%-11.0%-8.7%-51.5%16.5%-9.9%

Comparison Analyses

null

Financials

$ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q2
Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
Filing Date5/12/20263/23/202611/10/20258/8/20255/9/20253/27/202511/13/20248/9/20245/14/20243/29/202411/13/20238/10/2023
Key Financials Quarterly            
Total Revenue131313121111111111101010
Net Income334322222223
EPS0.290.350.370.270.200.250.250.200.230.190.190.26
Key Financials TTM            
Total Revenue TTM504947454443434242424345
Net Income TTM121211109998991112
Growth Rates Quarterly            
Total Revenue Growth11.6%18.3%17.4%11.0%4.3%5.3%4.5%1.7%-0.2%-12.0%-12.2%-10.6%
Net Income Growth41.5%37.7%45.5%26.3%-16.9%27.5%26.8%-23.5%-18.4%-41.2%-38.3%-22.8%
Margins Quarterly            
Net Income Margin21.9%26.2%28.6%22.0%17.3%22.5%23.1%19.4%21.7%18.6%19.0%25.7%
Cash & Debt            
Total Cash130287131277130280287286297303285299
Total Debt256252254267274265252252273271238226
Net Debt / (Cash)126-35123-10144-15-35-34-24-32-47-73
Cash Flows Quarterly            
FCF from Operations336527332423
Cash Flows TTM            
FCF from Operations TTM171620171515121111121215
Returns to Shareholders Quarterly            
Dividends111111111111
Share Repurchases-0-0-0142111122
Return on Invested Capital (ROIC) Quarterly            
ROIC6.5%102.2%8.6%35.6%4.3%38.0%68.7%113.0%47.6%51.7%--
Return on Invested Capital (ROIC) TTM            
ROIC TTM7.2%86.8%6.3%32.6%4.9%36.0%61.4%114.1%44.9%63.1%--

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single Segment494342  
Community banking   4644
Total4943424644


Price Behavior

Price Behavior
Market Price$14.75 
Market Cap ($ Bil)0.1 
First Trading Date07/02/2019 
Distance from 52W High-5.8% 
   50 Days200 Days
DMA Price$14.56$13.82
DMA Trendindeterminateup
Distance from DMA1.3%6.7%
 3M1YR
Volatility22.7%26.7%
Downside Capture6.4750.32
Upside Capture45.3354.26
Correlation (SPY)19.3%25.1%
RMBI Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta0.970.760.520.500.690.41
Up Beta2.441.200.670.800.860.35
Down Beta1.471.160.680.620.750.52
Up Capture-46%40%44%34%48%15%
Bmk +ve Days13283667141432
Stock +ve Days8233261124373
Down Capture167%33%34%32%68%61%
Bmk -ve Days7132757109318
Stock -ve Days12173062125348

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with RMBI
RMBI17.0%26.7%0.56-
Sector ETF (XLF)8.3%14.6%0.3340.4%
Equity (SPY)26.5%12.4%1.6125.1%
Gold (GLD)24.2%27.5%0.77-7.5%
Commodities (DBC)19.8%18.8%0.83-15.7%
Real Estate (VNQ)11.0%13.7%0.5240.1%
Bitcoin (BTCUSD)-40.0%42.5%-1.0810.9%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with RMBI
RMBI3.7%27.5%0.14-
Sector ETF (XLF)9.3%18.6%0.3726.0%
Equity (SPY)13.5%17.1%0.6219.6%
Gold (GLD)17.1%18.3%0.76-1.8%
Commodities (DBC)7.5%19.4%0.294.8%
Real Estate (VNQ)1.9%18.9%0.0020.7%
Bitcoin (BTCUSD)11.0%54.2%0.407.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with RMBI
RMBI3.0%29.5%0.20-
Sector ETF (XLF)13.0%22.2%0.5444.3%
Equity (SPY)15.3%18.0%0.7335.3%
Gold (GLD)12.3%16.1%0.63-1.2%
Commodities (DBC)5.9%18.0%0.2614.5%
Real Estate (VNQ)5.3%20.7%0.2236.9%
Bitcoin (BTCUSD)60.0%66.8%1.0012.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity0.2 Mil
Short Interest: % Change Since 5152026-8.9%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest2.2 days
Basic Shares Quantity9.7 Mil
Short % of Basic Shares1.6%

Returns Analyses

Earnings Returns History

Updated 6/2/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20260.5%6.5%-1.5%
1/22/2026-2.3%-1.9%-1.1%
10/23/20250.1%0.3%0.1%
7/23/2025-3.1%-1.2%-3.7%
4/24/2025-1.1%0.1%-4.2%
1/23/20250.2%5.5%-8.2%
10/24/2024-1.5%-1.5%5.3%
7/26/20240.5%-0.9%2.0%
...
SUMMARY STATS   
# Positive121113
# Negative111210
Median Positive0.5%1.9%6.2%
Median Negative-1.5%-1.7%-3.9%
Max Positive4.8%6.5%17.7%
Max Negative-3.1%-8.1%-11.9%
 Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20260.5%6.5%-1.5%
1/22/2026-2.3%-1.9%-1.1%
10/23/20250.1%0.3%0.1%
7/23/2025-3.1%-1.2%-3.7%
4/24/2025-1.1%0.1%-4.2%
1/23/20250.2%5.5%-8.2%
10/24/2024-1.5%-1.5%5.3%
7/26/20240.5%-0.9%2.0%
4/25/2024-3.0%0.6%7.2%
1/26/20241.9%-2.7%-4.1%
10/20/2023-1.1%2.1%16.1%
7/25/2023-1.1%-1.1%-5.4%
4/27/20234.8%-8.1%17.7%
1/26/2023-2.3%-4.2%-3.1%
10/24/2022-0.5%-0.1%0.8%
4/21/2022-2.7%-3.6%-11.9%
1/27/20220.0%2.9%9.5%
10/21/2021-0.2%1.2%4.7%
7/22/20212.3%1.3%5.2%
4/22/20210.4%-0.7%6.2%
2/1/20211.2%2.1%7.8%
10/22/20200.9%-2.1%15.3%
7/23/20200.2%1.9%-0.3%
SUMMARY STATS   
# Positive121113
# Negative111210
Median Positive0.5%1.9%6.2%
Median Negative-1.5%-1.7%-3.9%
Max Positive4.8%6.5%17.7%
Max Negative-3.1%-8.1%-11.9%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202605/12/202610-Q
12/31/202503/23/202610-K
09/30/202511/10/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/27/202510-K
09/30/202411/13/202410-Q
06/30/202408/09/202410-Q
03/31/202405/14/202410-Q
12/31/202303/29/202410-K
09/30/202311/13/202310-Q
06/30/202308/10/202310-Q
03/31/202305/15/202310-Q
12/31/202203/31/202310-K
09/30/202211/10/202210-Q
06/30/202208/12/202210-Q
 Collapse to Preview
Report DateFiling DateFiling
03/31/202605/12/202610-Q
12/31/202503/23/202610-K
09/30/202511/10/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/27/202510-K
09/30/202411/13/202410-Q
06/30/202408/09/202410-Q
03/31/202405/14/202410-Q
12/31/202303/29/202410-K
09/30/202311/13/202310-Q
06/30/202308/10/202310-Q
03/31/202305/15/202310-Q
12/31/202203/31/202310-K
09/30/202211/10/202210-Q
06/30/202208/12/202210-Q
03/31/202205/13/202210-Q
12/31/202103/30/202210-K
09/30/202111/12/202110-Q
06/30/202108/13/202110-Q
03/31/202105/14/202110-Q
12/31/202003/31/202110-K
09/30/202011/13/202010-Q
06/30/202008/13/202010-Q
03/31/202005/15/202010-Q
12/31/201903/30/202010-K
09/30/201911/14/201910-Q
06/30/201908/14/201910-Q

Insider Activity

Updated 6/4/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Blum, E. MichaelDirectBuy601202614.361,50021,532634,276Form
2Daily, William A JRMarket President (West Ohio)DirectBuy220202614.102133,00011,909Form
3Daily, William A JRMarket President (West Ohio)DirectBuy219202614.403475,0009,098Form
4Daily, William A JRMarket President (West Ohio)DirectBuy130202614.062854,0014,001Form
 Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Blum, E. MichaelDirectBuy601202614.361,50021,532634,276Form
2Daily, William A JRMarket President (West Ohio)DirectBuy220202614.102133,00011,909Form
3Daily, William A JRMarket President (West Ohio)DirectBuy219202614.403475,0009,098Form
4Daily, William A JRMarket President (West Ohio)DirectBuy130202614.062854,0014,001Form

Industry Resources

External Quote Links


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Core Cache Last Updated: 6/19/2026