XNASRMBI
Market cap139mUSD
Jan 08, Last price
12.76USD
1D
-3.84%
1Q
-1.85%
IPO
-6.11%
Name
Richmond Mutual Bancorporation Inc
Chart & Performance
P/E
14.67
P/S
3.33
EPS
0.87
Div Yield, %
4.25%
Shrs. gr., 5y
-4.31%
Rev. gr., 5y
5.71%
Revenues
42m
-9.98%
Net income
9m
-26.83%
CFO
12m
-33.29%
Dividend
Sep 04, 20240.14 USD/sh
Earnings
Jan 23, 2025
Profile
Richmond Mutual Bancorporation, Inc. operates as a holding company for First Bank Richmond that provides various banking services. The company accepts various deposits, including savings deposit accounts, money market accounts NOW and demand accounts, and certificates of deposit. It also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, residential real estate loans, and consumer loans. In addition, the company engages in the lease financing business; and provision of fee-based financial services comprising trust and estate administration, investment management, retirement plan administration, and private banking services. It operates through 12 full service and one limited-service banking offices with seven full-service and one limited-service offices located in Indiana; five offices situated in Ohio; one full-service banking office and four other branch offices are located in Richmond, Indiana; two other offices in Cambridge City, Centerville, Richmond, and Shelbyville, Indiana; two offices in Sidney and Ohio; two offices in Piqua and one office in Troy, Ohio; and a loan production office in Columbus, Ohio. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | |
| Income | |||||||
Revenues | 41,741 -9.98% | 46,368 6.52% | |||||
Cost of revenue | 18,987 | 19,626 | |||||
Unusual Expense (Income) | |||||||
NOPBT | 22,754 | 26,742 | |||||
NOPBT Margin | 54.51% | 57.67% | |||||
Operating Taxes | 1,516 | 2,783 | |||||
Tax Rate | 6.66% | 10.41% | |||||
NOPAT | 21,238 | 23,958 | |||||
Net income | 9,487 -26.83% | 12,965 16.34% | |||||
Dividends | (5,921) | (4,408) | |||||
Dividend yield | 4.92% | 3.06% | |||||
Proceeds from repurchase of equity | (6,251) | (9,859) | |||||
BB yield | 5.20% | 6.85% | |||||
| Debt | |||||||
Debt current | 27,065 | ||||||
Long-term debt | 162,878 | 180,442 | |||||
Deferred revenue | (1,244) | ||||||
Other long-term liabilities | 1,159,328 | (178,631) | |||||
Net debt | 125,755 | (97,804) | |||||
| Cash flow | |||||||
Cash from operating activities | 12,114 | 18,160 | |||||
CAPEX | (619) | (385) | |||||
Cash from investing activities | (122,532) | (116,124) | |||||
Cash from financing activities | 114,736 | 90,848 | |||||
FCF | 4,757,321 | (4,574,842) | |||||
| Balance | |||||||
Cash | 12,021 | 13,739 | |||||
Long term investments | 25,102 | 291,572 | |||||
Excess cash | 35,036 | 302,993 | |||||
Stockholders' equity | 33,512 | 39,082 | |||||
Invested Capital | 1,428,904 | 1,313,989 | |||||
ROIC | 1.55% | 1.91% | |||||
ROCE | 1.56% | 1.97% | |||||
| EV | |||||||
Common stock shares outstanding | 10,451 | 11,058 | |||||
Price | 11.51 -11.53% | 13.01 -18.94% | |||||
Market cap | 120,287 -16.39% | 143,867 -22.94% | |||||
EV | 246,041 | 46,063 | |||||
EBITDA | 23,730 | 28,030 | |||||
EV/EBITDA | 10.37 | 1.64 | |||||
Interest | 29,748 | 10,219 | |||||
Interest/NOPBT | 130.73% | 38.21% | |||||