Rhinebeck Bancorp vs Richmond Mutual Bancorporation
Rhinebeck Bancorp and Richmond Mutual Bancorporation are similar in size: $53.4m and $48.9m of revenue in their latest fiscal years. Rhinebeck Bancorp grew faster (85.9% against 12.5%). Richmond Mutual Bancorporation kept more of each dollar of sales as profit: a net margin of 23.7% against 18.8%.
| Latest fiscal year | Rhinebeck BancorpRBKB, 2025 | Richmond Mutual BancorporationRMBI, 2025 |
|---|---|---|
| Revenue | $53.4m | $48.9m |
| Revenue growth | 85.9% | 12.5% |
| Net income | $10.0m | $11.6m |
| Operating margin | — | — |
| Net margin | 18.8% | 23.7% |
| Return on equity | 7.8% | 8.3% |
| Free cash flow | $10.9m | $14.6m |
| Cash | $102m | $33.1m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | — | $0.60 |
| Dividend yield | — | 3.5% |
| Share buybacks | $95,000 | $5.6m |
| Employees | 158 | 180 |
| Market value | $145m | $161m |
| Price vs our value range | — | — |
| Moat score | 36 (Weak) | 51 (Moderate) |
| Insider trades, 12 months | 8 buys, 4 sales | 5 buys, 0 sales |