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Richmond Mutual Bancorporation, Inc. key statistics and ratios

In fiscal 2025, Richmond Mutual Bancorporation, Inc. had return on equity of 8.3% and a net margin of 23.7%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin17.9%−41.1%24.9%25.5%27.9%22.4%21.6%23.7%23.1%
Return on equity6.6%−10.3%5.3%6.0%8.3%7.1%7.0%8.3%8.2%
Return on assets0.7%−1.5%1.0%0.9%1.0%0.7%0.6%0.8%0.8%
Effective tax rate———————15.2%—
Dividends ÷ net income——18.4%83.2%34.0%62.4%60.8%50.4%48.5%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

51 /100

Moderate moat

How hard Richmond Mutual Bancorporation's competitive advantage looks for rivals to wear away, judged from 8 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 7 / 20

    Net income has been a median 0.7% of total assets over 8 years.

  • Durability 7 / 20

    Net margin has been a median 22.1%; its worst year was -29.5%.

  • Discipline 20 / 20

    The diluted share count fell 17.5% over five years; stock-based pay has been a median 1.0% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (56 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

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Figures from Richmond Mutual Bancorporation, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Richmond Mutual Bancorporation, Inc.