profit from every $100 of sales.
$0$100
Richmond Mutual Bancorporation
$15.95-0.13% today
+20.9% in 1 year
1-year low $12.921-year high $16.19
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $22.10 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Richmond Mutual Bancorporation sold, what it kept, and what it did with the cash.
Sales went from $46.4 million in 2022 to $48.8 million in 2025, with $11.6 million of profit last year.
SalesProfit
Richmond Mutual Bancorporation handed back 79% of the cash it generated last year.
Buybacks $6M$6M
Free cash flow 2025$15M
Bought back its own shares$6M
Paid as dividends$6M
Cash vs. debt$35M vs. $252M
Richmond Mutual Bancorporation vs. similar companies
Richmond Mutual Bancorporation grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Richmond Mutual Bancorporation | 22.1× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Richmond Mutual Bancorporation's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 46 | 42 | 43 | 49 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 13 | 9 | 9 | 12 | |
| 1.17 | 0.91 | 0.92 | 1.17 | |
| – | – | – | – | |
| – | – | – | – | |
| 28.0% | 22.6% | 21.7% | 23.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,328 | 1,461 | 1,505 | 1,526 |
| Cash | 16 | 20 | 22 | 35 |
| Total debt | 180 | 271 | 265 | 252 |
| Total liabilities | 1,196 | 1,326 | 1,372 | 1,380 |
| 132 | 135 | 133 | 146 | |
| 11 | 10 | 10 | 10 | |
| – | – | – | – | |
| 9.8% | 7.0% | 7.1% | 7.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 18 | 12 | 15 | 16 | |
| 0 | 1 | 0 | 1 | |
| 18 | 11 | 14 | 15 | |
| Dividends paid | 4 | 6 | 6 | 6 |
| 10 | 6 | 5 | 6 | |
| 2 | 2 | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 22.1×
- –
- –
- 0.6×
- 5.2×
- 4.5%
- 4.0%
Profitability
- 23.7%
- 61.2%
- 3.0%
- 7.3%
- 0.8%
Growth
- +1.7%
- +0.0%
- +32.0%
- −4.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 1%of 754
Bottom 36%of 605
Bottom 27%of 883
Bottom 25%of 880
Top 44%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.28 | – | – |
| Jan 22, 2026 | 0.35 | – | – |
| Oct 23, 2025 | 0.36 | – | – |
| Jul 23, 2025 | 0.26 | – | – |
| Apr 24, 2025 | 0.20 | – | – |
| Mar 27, 2025 | 0.24 | – | – |
| Oct 24, 2024 | 0.24 | – | – |
| Jul 25, 2024 | 0.20 | – | – |
4.0%of the share price, paid each year
On $1,000 invested$40a year at today's yield, before tax
+32.0%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$0.15 in 2020 → $0.60 in 2025
How safe it looks
50.4% of its profit
Room to growStretchedMore than it earns: 39.9%
News
The time was right to hike as inflation remains a 'problem child,' Richmond Fed's Barkin saysSeeking Alpha · Sep 22, 2026The newest story we have is from Sep 22, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
53No pass
Benjamin Graham
72Pass
Philip Fisher
56No pass
Peter Lynch
34No pass
Joel Greenblatt
79Pass
Charlie Munger
68Pass
Terry Smith
62Pass
Questions about Richmond Mutual Bancorporation
Is Richmond Mutual Bancorporation a good stock to buy?
A strong, very profitable business at a fair price. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Richmond Mutual Bancorporation AI analysis
What does Richmond Mutual Bancorporation do?
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 is in Banks - Regional.
Does Richmond Mutual Bancorporation pay a dividend?
Yes. At today's price the dividend is 4.0% a year, about 50% of its yearly profit. In 2025 it paid out $5.84 million in dividends.
Is Richmond Mutual Bancorporation stock halal?
No. Richmond Mutual Bancorporation does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Richmond Mutual Bancorporation stock done over the past year?
Up 20.9% over the past twelve months, to $15.95. It traded between $12.92 and $16.19, close to its high.
Who are Richmond Mutual Bancorporation's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Richmond Mutual Bancorporation's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.