Richmond Mutual Bancorporation, Inc.

RMBI

RMBIRichmond Mutual Bancorporation, Inc. US flag

NASDAQ Capital Market

15.35

USD

-0.07

- -

148.70MMarket Cap

Income Statement (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	28	32	34	40	44	46	42	43	49
+ Sales & Services Revenue	28	32	34	40	44	46	42	43	49
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	15	17	38	17	19	19	19	20	20
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-15	-17	-38	-17	-19	-19	-19	-20	-20
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-6	-7	19	-12	-14	-16	-11	-11	-14
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-6	-7	19	-12	-14	-16	-11	-11	-14
Pretax Income	6	7	-19	12	14	16	11	11	14
- Income Tax Expense (Benefit)	3	1	-5	2	2	3	2	1	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	3	6	-14	10	11	13	9	9	12
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	3	6	-14	10	11	13	9	9	12
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	3	6	-14	10	11	13	9	9	12
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	3	6	-14	10	11	13	9	9	12
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	2	1	1	1	1
EBITDA Margin (%)	4.41	3.52	3.2	3.65	3.53	2.78	2.83	2.41	2.26
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	9.77	17.95	-41.33	24.95	25.6	27.96	22.55	21.69	23.74
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	0.04	- -	0.15	0.82	0.41	0.57	0.57	0.6
Depreciation Expense	1	1	1	1	2	1	1	1	1
Basic Weighted Avg Shares	13	13	12	12	11	11	10	10	10
Basic EPS, GAAP	0.21	0.44	-1.13	0.82	0.98	1.2	0.91	0.93	1.2
Basic EPS from Cont Ops	0.21	0.44	-1.13	0.82	0.98	1.2	0.91	0.93	1.2
Diluted Weighted Avg Shares	13	13	12	12	12	11	10	10	10
Diluted EPS, GAAP	0.21	0.44	-1.13	0.82	0.96	1.17	0.91	0.92	1.17
Diluted EPS from Cont Ops	0.21	0.44	-1.13	0.82	0.96	1.17	0.91	0.92	1.17

Balance Sheet (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	135	137	242	293	381	301	303	280	287
+ Cash & Cash Equivalents	16	15	41	49	23	16	20	22	35
+ ST Investments	118	122	202	245	358	285	283	258	252
+ Accounts & Notes Receiv	102	110	113	122	131	137	160	154	152
+ Accounts Receivable, Net	2	3	3	5	4	5	6	6	6
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	100	108	110	117	127	132	155	148	146
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-237	-248	-355	-415	-512	-438	-463	-434	-439
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	14	14	14	15	14	14	13	13	13
+ Property, Plant & Equip	26	28	29	30	29	28	28	29	30
- Accumulated Depreciation	13	14	14	15	15	14	15	16	17
+ LT Investments & Receivables	143	144	218	257	367	292	288	262	255
+ LT Investments	143	144	218	257	367	292	288	262	255
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-157	-158	-232	-272	-381	-305	-301	-275	-268
+ Total Intangible Assets	1	1	1	2	2	2	2	2	2
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	1	1	1	2	2	2	2	2	2
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-158	-159	-233	-273	-383	-307	-303	-277	-270
Total Assets	754	850	986	1,084	1,268	1,328	1,461	1,505	1,526
+ Payables & Accruals	- -	1	- -	- -	- -	1	4	5	3
+ Accounts Payable	- -	1	- -	- -	- -	1	4	5	3
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	-1	- -	- -	- -	-1	-4	-5	-3
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	-1	- -	- -	- -	-1	-4	-5	-3
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	104	136	154	170	180	180	271	265	252
+ LT Borrowings	104	136	154	170	180	180	271	265	252
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-104	-136	-154	-170	-180	-180	-271	-265	-252
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	17	17	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-104	-136	-171	-187	-180	-180	-271	-265	-252
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	672	764	798	891	1,087	1,196	1,326	1,372	1,380
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	13	13	133	124	114	106	101	98	93
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	13	13	133	124	114	106	101	98	93
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	72	77	70	78	80	88	88	92	97
+ Other Equity	-3	-4	-1	4	-1	-50	-43	-46	-35
Equity Before Minority Interest	82	86	188	193	180	132	135	133	146
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	82	86	188	193	180	132	135	133	146
Total Liabilities & Equity	754	850	986	1,084	1,268	1,328	1,461	1,505	1,526
Shares Outstanding	13	13	14	13	12	12	10	10	10
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	88	121	113	121	157	164	251	243	217
Net Debt to Equity	107.13	141.09	60.39	62.91	86.97	123.57	185.94	182.84	148.72
Tangible Common Equity Ratio	10.73	9.97	18.96	17.64	14.13	9.83	9.11	8.71	9.44
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	3	6	-14	10	11	13	9	9	12
+ Depreciation & Amortization	1	1	1	1	2	1	1	1	1
+ Non-Cash Items	4	3	21	4	-16	3	3	3	3
+ Stock-Based Compensation	- -	- -	- -	1	3	2	2	2	2
+ Deferred Income Taxes	2	1	-6	- -	2	1	1	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	2	27	3	-21	- -	- -	- -	1
+ Chg in Non-Cash Work Cap	-1	-1	2	1	-7	1	-2	2	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	-2	1	-1	-1	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	1	3	- -	-1
+ Inc (Dec) in Other	-1	-1	2	3	-7	- -	-4	1	2
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	6	8	10	17	-10	18	12	15	16
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	-1	-2	-1	- -	-1	- -	-1
+ Acq of Fixed Prod Assets	-1	-1	-1	-2	-1	- -	-1	- -	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	113	-9	-12	-10	-6	-5	-6
+ Increase in Capital Stock	- -	- -	113	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	-9	-12	-10	-6	-5	-6
+ Net Change in LT Investment	29	-3	-70	-36	-119	12	11	21	20
+ Dec in LT Investment	32	20	94	132	70	35	23	29	26
+ Inc in LT Investment	-3	-22	-164	-167	-189	-23	-11	-8	-6
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-92	-98	-35	-52	-93	-128	-133	-70	-20
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-64	-102	-107	-89	-212	-116	-123	-49	-1
+ Dividends Paid	- -	- -	- -	-2	-9	-4	-6	-6	-6
+ Net Cash From Debt	12	32	13	16	10	- -	91	-6	-13
+ Cash From Debt	170	460	85	64	209	328	542	288	296
+ Repayments of Debt	-158	-428	-72	-48	-199	-328	-450	-294	-309
+ Other Financing Activities	44	60	-3	76	207	105	36	53	21
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	56	92	122	81	196	91	115	36	-3
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-2	-1	26	8	-26	-7	4	2	11
EBITDA	1	1	1	1	2	1	1	1	1
EBITDA Margin (%)	4.41	3.52	3.2	3.65	3.53	2.78	2.83	2.41	2.26
Free Cash Flow	6	7	9	15	-10	18	11	14	15
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	6	7	- -	15	-10	18	11	14	15
Free Cash Flow to Equity	- -	39	22	31	- -	18	102	8	2
Free Cash Flow per Basic Share	0.44	0.55	0.73	1.2	-0.9	1.65	1.11	1.42	1.51
Price/Free Cash Flow	- -	- -	17.99	9.09	-20.59	7.76	9.45	9.51	8.02
Cash Flow to Net Income	2.29	1.49	-0.72	1.65	-0.87	1.4	1.28	1.57	1.38
Capital Expenditures	-1	-1	-1	-2	-1	- -	-1	- -	-1