Richmond Mutual Bancorporation (RMBI) Financial Statements & Analysis

Richmond Mutual Bancorporation (RMBI) Income Statement

Richmond Mutual Bancorporation reported revenue of $46.76M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 8.1% from $43.23M a year earlier. Net income was $11.58M, up 23.5% year over year, a net margin of 24.8%. Gross margin was 100.6% and operating margin 30.1%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $13.60M, down 39.3% from the same quarter a year earlier.

Richmond Mutual Bancorporation Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Richmond Mutual Bancorporation, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	46.76	43.23	42.07	46.02	51.21	49.54	45.24	39.39	33.04
Cost of Revenue	43.81	42.37	30.28	10.82	9.11	13.16	13.76	9.43	6.62
Gross Profit	47.04	42.68	41.54	45.77	42.10	36.37	31.48	29.95	26.42
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	8.85	20.26	18.99	7.62	19.01	17.37	38.03	16.57	15.23
Operating Expenses	32.98	31.82	30.53	30.02	28.52	23.88	50.86	23.00	20.73
Operating Income	14.06	10.86	11.00	15.75	13.58	12.50	-19.38	6.96	5.69
Other Income/Expense
Interest Income	85.91	80.53	67.41	51.86	45.93	42.86	41.56	35.20	29.10
Interest Expense	42.06	41.82	29.75	10.22	7.68	9.39	11.16	7.75	5.25
Other Income/Expense	-0.41	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	13.65	10.86	11.00	15.75	13.58	12.50	-19.38	6.96	5.69
Income Tax Expense	2.08	1.49	1.52	2.78	2.44	2.48	-5.29	1.28	2.97
Net Income	11.58	9.38	9.49	12.97	11.15	10.02	-14.08	5.68	2.72
Net Income - Continuous Operations	11.58	9.38	9.49	12.97	11.15	10.02	-14.08	5.68	2.72
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	0.89	0.85	0.98	1.06	15.12	13.96	-18.29	8.07	6.91
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.82	1.04	1.19	1.29	1.54	1.47	1.09	1.11	1.22
Earnings Per Share
Basic EPS	1.00	1.00	1.00	1.00	1.00	1.00	-1.00	-	-
Diluted EPS	1.00	1.00	1.00	1.00	1.00	1.00	-1.00	-	-
Basic Shares Outstanding	9.67	10.08	10.40	10.77	11.36	12.26	12.46	13.03	13.03
Diluted Shares Outstanding	9.90	10.23	10.45	11.06	11.63	12.29	12.46	13.03	13.03

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Richmond Mutual Bancorporation Financial Statements

What was Richmond Mutual Bancorporation's revenue in fiscal 2025?

Richmond Mutual Bancorporation reported revenue of $46.76M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 8.1% from $43.23M a year earlier.

Is Richmond Mutual Bancorporation profitable?

Yes. Richmond Mutual Bancorporation earned net income of $11.58M in fiscal 2025, a net margin of 24.8%. In fiscal 2024 it earned $9.38M.

What is Richmond Mutual Bancorporation's operating margin?

Richmond Mutual Bancorporation's operating income was $14.06M on revenue of $46.76M in fiscal 2025, an operating margin of 30.1%, compared with 25.1% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition