RMBI
Richmond Mutual Bancorporation, Inc.Financial Services·Banks - Regional
$14.52
$142M market cap
Revenue
$45.9M
Free Cash Flow
$2.8B
Rev Growth
+0.0%
FCF Margin
6079.2%
P/FCF
0.1x
EV/FCF
0.1x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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.
2-Year Price History
$14.62+41.5%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 22.5 | 3.4 | 3.4 | 2.8 | 2,786 | 2,786 | -0.3 | 9.7 | 256.0 | 9.9 | 3.7% | 0.3x | -- |
| Act | 2025-Q4 | 23.4 | 4.5 | 4.5 | 3.4 | 2.7 | 2.5 | -0.2 | 287.1 | 252.0 | 9.8 | 5.1% | 0.4x | -- |
Valuation & Metrics
Market Stats
Price$14.52
Market Cap$142M
Enterprise Value$388M
P/S Ratio3.1x
P/FCF0.1x
EV/FCF0.1x
FCF Margin (TTM)6079.2%
FCF Yield1963.4%
Dividend Yield (TTM)5.2%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$45.9M
Net Income$6.2M
Free Cash Flow$2.8B
Revenue Growth (YoY)+0.0%
EBITDA Margin17.2%
Net Margin13.5%
FCF Margin6079.2%
CapEx % of Revenue1.1%
SBC % of Revenue0.5%
ROIC4.4%
WC Change % Rev-7.3%
Interest Coverage0.4x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.2M
Days to Cover3.7
Change (vs Prior)-9.0%
Need at least 2 settlement dates for chart
Employees
Headcount171
Revenue / Employee$268,199
Gross Profit / Employee$146,825
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
8.6%(-0.4% YoY)
56 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
13.6%(+5.3% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-1.0% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $6.2M | $13.57 | +$6.2M | +$6.2M | — | $4.04T |
| BlackRock, Inc.Passive | $5.2M | $13.24 | −$66K | +$4.4M | -0.2% | $5.69T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $2.6M | $13.08 | −$236K | +$1.1M | +2.3% | $1.61T |
| STIFEL FINANCIAL CORP | $1.8M | $11.03 | −$7K | +$19K | -0.3% | $108.17B |
| DIMENSIONAL FUND ADVISORS LPPassive | $1.6M | $11.53 | +$60K | +$307K | -0.4% | $480.92B |
| STATE STREET CORPPassive | $1.6M | $13.37 | +$59K | +$1.1M | -0.2% | $2.89T |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1.2M | $13.14 | +$0 | +$979K | +0.1% | $184.72B |
| SEGALL BRYANT & HAMILL, LLC | $1.2M | $13.91 | −$1K | +$1.2M | -0.1% | $8.06B |
| PL Capital Advisors, LLC | $838K | $13.57 | +$829K | +$838K | -1.3% | $332M |
| GAMCO INVESTORS, INC. ET AL | $809K | $13.37 | +$0 | +$809K | -0.0% | $10.15B |
| NORTHERN TRUST CORPPassive | $768K | $13.28 | +$22K | +$484K | -0.2% | $755.34B |
| VANGUARD FIDUCIARY TRUST COPassive | $695K | $13.57 | +$695K | +$695K | — | $395.83B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $646K | $13.57 | +$646K | +$646K | — | $1.91T |
| KEELER & NADLER FINANCIAL PLANNING & WEALTH MANAGEMENT | $584K | $10.41 | +$0 | +$0 | -1.2% | $294M |
| Oppenheimer & Close, LLC | $543K | $11.87 | +$0 | +$0 | +1.1% | $159M |
| RENAISSANCE TECHNOLOGIES LLC | $520K | $13.14 | +$100K | +$242K | +1.2% | $63.91B |
| VISTA INVESTMENT PARTNERS II, LLC | $472K | $13.41 | +$2K | +$36K | +0.0% | $222M |
| BEESE FULMER INVESTMENT MANAGEMENT, INC. | $465K | $11.87 | −$0 | −$22K | -0.0% | $1.56B |
| Minerva Advisors LLC | $410K | $13.89 | +$0 | +$3K | -1.8% | $155M |
| SeaCrest Wealth Management, LLC | $351K | $9.03 | +$0 | +$0 | +0.1% | $934M |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
-0.16%
avg per quarter
Holders (ex-self)
-0.15%
excl. this stock
Buyers (this Q)
-0.96%
16 buyers · $0.01B in
Sellers (this Q)
-0.06%
28 sellers · $0.00B out
alpha coverage: 76% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-46.4%
how holders react when this stock falls
On quiet Qs
-0.9%
−10% to +10% baseline
On rallies (+10%+)
-36.2%
how they react when this stock rises
Holders' portfolio flow this Q
+1.8%
inflows — adds are organic
Sellers' portfolio flow this Q
+4.2%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-2.9%
Holder mid (any stock)
-0.9%
Holder rally (any stock)
-3.6%
Biggest decreases this quarter
GEODE CAPITAL MANAGEMENT, LLC−$236Kα+2.3BlackRock, Inc.−$66Kα-0.2DEUTSCHE BANK AG\exited−$54KBank of New York Mellon Corp−$28Kα-0.2CHARLES SCHWAB INVESTMENT MANAGEMENT INC−$28Kα+0.7MORGAN STANLEY−$19Kα-0.3STIFEL FINANCIAL CORP−$7Kα-0.3CALIFORNIA STATE TEACHERS RETIREMENT SYSTEMexited−$7KAMALGAMATED BANKexited−$4KSEGALL BRYANT & HAMILL, LLC−$1Kα-0.1
New buyers this quarter
Top-5 holders · 55.1%
VANGUARD CAPITAL MANAGEMENT LLC--
BlackRock, Inc.--
GEODE CAPITAL MANAGEMENT, LLC--
STIFEL FINANCIAL CORP--
DIMENSIONAL FUND ADVISORS LP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
ALLIANCEBERNSTEIN L.P.—M3F, Inc.—Keeley-Teton Advisors, LLC—FJ Capital Management LLC—MILLENNIUM MANAGEMENT LLC—STIFEL FINANCIAL CORP133KRENAISSANCE TECHNOLOGIES LLC38KARROWSTREET CAPITAL, LIMITED PARTNERSHIP91KSEGALL BRYANT & HAMILL, LLC86KGAMCO INVESTORS, INC. ET AL60K
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$12K
2 txns · 1 insider · 844 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-02-19 | BUY | Daily William A. Jr. | officer: Market President (West Ohio) | 560 | $14.29 | $8K | $12K |
| 2026-01-28 | BUY | Daily William A. Jr. | officer: Market President (West Ohio) | 285 | $14.06 | $4K | $4K |
Order Flow (FINRA, ~3w lag)
50.0%retail-3.5pp
12.4%dark+2.7pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Richmond Mutual Bancorporation, Inc.: Administrative shell lacks substantive forensic triggers
Overall Risk
3/10
Fraud
1/10
Dilution
2/10
Insolvency
3/10
Earnings Overstated
5/10
Hidden Liabilities
2/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10