Richmond Mutual Bancorporation (RMBI) Cash Flow: Operating & Free Cash Flow

Richmond Mutual Bancorporation (RMBI) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Richmond Mutual Bancorporation generated $15.97M of operating cash flow and spent $1.36M on capital expenditures. That left free cash flow of $14.61M, up 2.2% from $14.29M a year earlier, or 31.2% of revenue. It returned $11.47M to shareholders through $5.84M in dividends and $5.63M in share buybacks.

Richmond Mutual Bancorporation Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Richmond Mutual Bancorporation, Inc. (RMBI) - 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
Operating Activities
Net Income	11.58	9.38	9.49	12.97	11.15	10.02	-14.08	5.68	2.72
Depreciation & Amortization	1.10	0.85	1.19	1.06	1.54	1.47	1.09	1.11	1.22
Deferred Income Tax	-0.11	0.16	0.64	1.04	2.27	-0.04	-6.24	0.94	2.17
Stock Based Compensation	1.55	2.14	2.24	2.34	2.61	1.46	0.32	0.00	0.00
Change in Working Capital	0.45	1.61	-1.88	0.73	-6.54	0.83	1.86	-0.96	-1.29
Change in Accounts Receivable	-0.27	-0.19	-1.13	-0.52	0.51	-1.65	-0.37	-0.42	-0.12
Change in Accounts Payable	-1.37	0.43	3.03	1.11	0.04	-0.07	-0.25	0.31	-0.16
Change in Other Working Capital	-1.25	1.36	-0.71	0.14	-7.09	2.55	2.48	-0.85	-1.01
Other Operating Activities	-1.25	-0.07	-0.71	0.54	-20.66	2.84	27.16	1.69	1.39
Net Cash from Operating Activities	15.97	14.75	12.11	18.16	-9.65	16.58	10.10	8.46	6.22
Investing Activities
Capital Expenditures	-1.36	-0.46	-0.62	-0.39	-0.58	-1.88	-0.96	-1.33	-0.53
Purchases of Investments	-5.70	-7.50	-11.24	-22.53	-188.84	-167.38	-164.29	-22.34	-3.36
Sales/Maturities of Investments	26.06	29.09	22.53	34.54	70.29	131.51	93.96	19.65	32.30
Other Investing Activities	0.04	-1.13	-133.20	0.13	-93.06	-51.51	-35.47	-97.52	-91.99
Net Cash from Investing Activities	-1.14	-49.30	-122.53	-116.12	-212.19	-89.26	-106.77	-101.54	-63.58
Financing Activities
Debt Repayment	-309.00	-294.50	-450.50	-327.50	10.00	16.00	12.69	32.10	11.70
Common Stock Issued	0.00	0.00	0.00	0.00	0.00	0.00	113.02	520.04	0.00
Common Stock Repurchased	-5.63	-5.04	-6.25	-9.86	-11.91	-9.08	0.00	-0.01	0.00
Dividends Paid	-5.84	-5.70	-5.92	-4.41	-9.28	-1.84	0.00	-0.50	0.00
Other Financing Activities	0.06	0.00	0.03	0.03	207.30	75.77	-3.42	60.27	44.11
Net Cash from Financing Activities	-3.46	36.06	114.74	90.85	196.11	80.85	122.30	91.88	55.81
Summary
Net Change in Cash	11.37	1.52	4.32	-7.12	-25.73	8.17	25.63	-1.20	-1.55
Cash at Beginning of Period	21.76	20.24	15.92	23.04	48.77	40.60	14.97	16.17	17.72
Cash at End of Period	33.13	21.76	20.24	15.92	23.04	48.77	40.60	14.97	16.17
Free Cash Flow	14.61	14.29	11.49	17.78	-10.23	14.69	9.14	7.13	5.68
Supplemental Disclosures
Interest Paid	-	41.38	26.72	9.11	7.65	-	-	-	-
Income Taxes Paid	-	-0.41	2.05	2.18	2.90	-	-	-	-

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 Cash Flow

What is Richmond Mutual Bancorporation's free cash flow?

Richmond Mutual Bancorporation generated free cash flow of $14.61M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $15.97M minus $1.36M of capital expenditures. That was up 2.2% from $14.29M a year earlier. Free cash flow equaled 31.2% of revenue.

How much does Richmond Mutual Bancorporation spend on capital expenditures?

Richmond Mutual Bancorporation spent $1.36M on capital expenditures in fiscal 2025, compared with $460.38K a year earlier. That equals 8.5% of operating cash flow.

Does Richmond Mutual Bancorporation pay dividends or buy back shares?

Yes. In fiscal 2025 Richmond Mutual Bancorporation returned $5.84M in dividends and $5.63M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition