Richmond Mutual Bancorporation, Inc.(RMBI)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
RMBI Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Richmond Mutual Bancorporation, Inc. (RMBI), a Financials sector company. RMBI is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Richmond Mutual Bancorporation, Inc. reports quarterly revenue of $12.7M, net income of $2.8M, free cash flow of $2.5M. Top institutional holders of RMBI by reported 13-F value include VANGUARD CAPITAL MANAGEMENT, BlackRock,, GEODE CAPITAL MANAGEMENT,, based on the most recent SEC filings. RMBI trades on the Nasdaq exchange and files with the SEC under CIK 1767837. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate RMBI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Richmond Mutual Bancorporation, Inc. directly from SEC EDGAR.
Revenue
Q1 2026
$12.7M
Net Income
Q1 2026
$2.8M
Free Cash Flow
Q1 2026
$2.5M
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+3.9% YoYEPS (Diluted)
+21.9% YoYTotal Assets
+20.4% YoYOp. Cash Flow
+265.6% YoY| Metric | FY 2025 | FY 2021 | FY 2020 | FY 2018 |
|---|---|---|---|---|
| Net Income | $11.6M +3.9% | $11.1M +11.3% | $10.0M +76.4% | $5.7M |
| EPS (Diluted) | $1.17 +21.9% | $0.96 +17.1% | $0.82 | — |
| Total Assets | $1.53B +20.4% | $1.27B +16.9% | $1.08B +27.6% | $849.6M |
| Operating Cash Flow | $16.0M +265.6% | $-9.6M -158.2% | $16.6M +95.9% | $8.5M |
AI Insight: RMBI Financial Trends
Net income has doubled from $2M to $3–4M over eight quarters, signaling a slow but real earnings recovery at RMBI.
• Net income improved from $2M in Q2 2024 to a peak of $4M in Q3 2025, marking a clear upward earnings trajectory.
• Equity grew from $131M in Q2 2024 to $145M in Q1 2026, reflecting steady book-value accumulation over the period.
• Operating cash flow has been volatile, ranging from $2M in Q1 2025 to $7M in Q4 2024, with no consistent trend.
⚠ Net income slipped from the $4M peak in Q3 2025 back to $3M in Q4 2025 and Q1 2026 — momentum may be stalling.
⚠ Revenue and operating income data are entirely absent, limiting visibility into top-line and core earnings quality.
AI Insight: RMBI Ratio Trends
RMBI's profitability rebounded sharply in Q3 2025 (ROE 10.3%, ROA 0.9%) but has since pulled back, with Q1 2026 settling at ROE 7.7% and ROA 0.7%.
• ROE improved from a trough of 6.0% in Q1 2025 to a peak of 10.3% in Q3 2025, a meaningful 430bp recovery.
• ROA followed the same arc, rising from 0.5% in Q1 2025 to 0.9% in Q3 2025, then retreating to 0.7% in Q1 2026.
• TTM ROE of 8.6% and ROA of 0.8% sit comfortably above Q2 2024 levels (6.3% and 0.5%), signaling full-year improvement.
⚠ Q1 2026 ROE of 7.7% marks a sequential decline from 9.3% in Q4 2025 — watch whether Q1 softness is seasonal or structural.
⚠ OpMargin, NPM, ROIC, and D/E are entirely absent; leverage and earnings-quality trends cannot be assessed.
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Available Research
13F Pro tracks comprehensive data for Richmond Mutual Bancorporation, Inc. including:
Top Institutional Holders of RMBI
VANGUARD CAPITAL MANAGEMENT LLC
$6.2M457,566 shBlackRock, Inc.
$5.2M383,818 shGEODE CAPITAL MANAGEMENT, LLC
$2.6M192,757 shSTIFEL FINANCIAL CORP
$1.8M133,064 shDIMENSIONAL FUND ADVISORS LP
$1.6M120,515 shSTATE STREET CORP
$1.6M117,325 shARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$1.2M91,061 shSEGALL BRYANT & HAMILL, LLC
$1.1M85,580 shPL Capital Advisors, LLC
$837.5K61,719 shGAMCO INVESTORS, INC. ET AL
$808.6K59,587 sh
| Fund | Value | Shares |
|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $6.2M | 457,566 |
| BlackRock, Inc. | $5.2M | 383,818 |
| GEODE CAPITAL MANAGEMENT, LLC | $2.6M | 192,757 |
| STIFEL FINANCIAL CORP | $1.8M | 133,064 |
| DIMENSIONAL FUND ADVISORS LP | $1.6M | 120,515 |
| STATE STREET CORP | $1.6M | 117,325 |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1.2M | 91,061 |
| SEGALL BRYANT & HAMILL, LLC | $1.1M | 85,580 |
| PL Capital Advisors, LLC | $837.5K | 61,719 |
| GAMCO INVESTORS, INC. ET AL | $808.6K | 59,587 |
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Popular Research
Is RMBI a good stock to buy?
13F Pro's AI-powered analysis of Richmond Mutual Bancorporation, Inc. (RMBI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for RMBI are available on the RMBI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own RMBI?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling RMBI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Richmond Mutual Bancorporation, Inc.'s investment landscape.