RMBI
Richmond Mutual Bancorporation, Inc.14.39
+0.13+0.91%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
139.61MP/E (TTM)
13.58Basic EPS (TTM)
1.06Dividend Yield
0.04%Recent Filings
8-K
10-Q
Q3 FY2025 results
Richmond Mutual Bancorporation posted solid Q3 results, with net income jumping 45.5% year-over-year to $3.6 million and diluted EPS rising to $0.36 from $0.24, fueled by net interest income growth of 19.7% to $11.3 million as loan yields climbed 36 basis points to 6.63% while deposit costs eased 19 basis points to 3.14%. Loans expanded 1.7% quarter-over-quarter to $1.2 billion, driven by commercial real estate and multi-family segments, though nonperforming assets ticked up to 0.90% of total loans. Cash swelled 57.5% to $34.3 million, bolstering liquidity alongside $105.6 million in FHLB borrowing capacity, while FHLB advances dipped 4.2% to $254.0 million at a 4.05% rate. Free cash flow stood at $10.0 million for the nine-month period (derived). Yet competition from larger banks pressures deposit retention in our Indiana-Ohio markets.
8-K
Q3 earnings surge 38%
Richmond Mutual Bancorporation reported Q3 2025 net income of $3.6 million, up 38% from Q2's $2.6 million, fueled by net interest income climbing 5% to $11.3 million on a widened 3.07% margin. Assets held steady at $1.5 billion, with loans at $1.2 billion, but nonperforming loans rose to 0.90% amid economic uncertainty. Noninterest expense dipped slightly to $8.1 million. Solid margins persist.
8-K
Quarterly dividend declared
10-Q
Q2 FY2025 results
Richmond Mutual Bancorporation posted solid Q2 results, with net interest income climbing 12.4% year-over-year to $10.8 million, fueled by loan yields hitting 6.51% amid higher rates, while deposit costs dipped slightly to 3.14%. Net income rose 26.3% to $2.6 million, or $0.26 diluted EPS, matching 9.8 million diluted shares; YTD net income of $4.6 million aligns with $0.46 EPS on 10.0 million shares. Provision for credit losses jumped to $745,000 from $270,000, reflecting commercial loan growth and economic caution, yet nonperforming assets stayed low at 0.68% of loans. Cash swelled 25% to $27.2 million, FHLB advances ticked up to $267 million, and deposits edged higher to $1.1 billion. No M&A or non-GAAP metrics disclosed in the 10-Q. Stock repurchases totaled $5.6 million YTD. Interest rate volatility poses ongoing risks.
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