Richmond Mutual Bancorporation Inc
RMBIFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
15.85+0.03 (0.19%)
2026-11-12 02:27 CET
Market cap
265.63 USD m
Revenue, TTM
- USD m
Net income, TTM
10.17 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
0.96
P/E
16.48
Price
RMBI against its 20, 50 and 200-day averages2050200
4.5% under the 52-week high of 16.59 on 26 Jun 2026. 52-week low 12.77 on 12 Nov 2025. Last 15 sessions, 6.1% high to low
Volume 0.53× normal · the line is the 50-bar volume average
Profile
RMBI52-week range, 81% of the way up
12.7716.59
Richmond Mutual Bancorporation, Inc. operates as the holding company of First Bank Richmond. It aims to own all of the outstanding shares of capital stock of First Bank Richmond. The company was founded in 1887 and is headquartered in Richmond, IN.
| Index | RUT |
|---|---|
| Employees | 180 |
| IPO | Jul 02, 2019 |
| Beta | 0.33 |
| ATR, 14d | 0.35 |
| Rel volume | 0.53 |
| Short float | 3.18% |
| Insider own | 14.99% |
| Inst own | 18.58% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 265.63M |
| Enterprise Value | - |
| Income | 10.17M |
| Sales | 112.42M |
| Book/sh | 13.66 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.60 (3.79%) |
| Dividend Ex-Date | Sep 03, 2026 |
| Dividend Gr. 3/5Y | 14.47% 31.95% |
| Payout | 51.32% |
| Employees | 180 |
| IPO | Jul 02, 2019 |
Ratios
| P/E | 16.48 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.36 |
| P/B | 1.16 |
| P/C | - |
| P/FCF | 19.69 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.17 |
| Debt/Eq | 1.15 |
| LT Debt/Eq | 1.15 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 0.96 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | -0.09% 7.48% |
| Sales past 3/5Y | 17.06% 12.86% |
| EPS Y/Y TTM | -10.34% |
| Sales Y/Y TTM | 25.74% |
| EPS Q/Q | -70.32% |
| Sales Q/Q | 86.59% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 14.99% |
|---|---|
| Insider Trans | 0.22% |
| Inst Own | 18.58% |
| Inst Trans | 4.89% |
| ROA | 0.49% |
| ROE | 5.51% |
| ROIC | 2.07% |
| Gross Margin | - |
| Oper. Margin | 11.79% |
| Profit Margin | 9.05% |
| SMA20 | 0.97% |
| SMA50 | 1.71% |
| SMA200 | 6.17% |
| Trades | - |
Technical
| Shs Outstand | 16.76M |
|---|---|
| Shs Float | 14.25M |
| Short Float | 3.18% |
| Short Ratio | 5.68 |
| Short Interest | 0.45M |
| 52W High | 16.59 -4.46% |
| 52W Low | 12.77 24.12% |
| Volatility | 2.11% 2.25% |
| ATR (14) | 0.35 |
| RSI (14) | 55.92 |
| Beta | 0.33 |
| Rel Volume | 0.53 |
| Avg Volume | 79.79K |
| Volume | 42,656 |
Performance
| Perf Week | 0.13% |
|---|---|
| Perf Month | 3.12% |
| Perf Quarter | -0.88% |
| Perf Half Y | 10.84% |
| Perf YTD | 12.89% |
| Perf Year | 16.80% |
| Perf 3Y | 50.95% |
| Perf 5Y | -1.49% |
| Perf 10Y | - |
| Recom | - |
| Target Price | - |
| Prev Close | 15.82 |
| Price | 15.85 |
| Change % | 0.19% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| FCAP | First Capital Inc | 216.13M |
| FNWD | Finward Bancorp | 188.95M |
| LCNB | LCNB Corp | 280.25M |
| SBFG | SB Financial Group Inc | 180.01M |
| FMAO | Farmers & Merchants Bancorp Inc | 505.02M |
| CFBK | CF Bankshares Inc | 236.11M |
| OVBC | Ohio Valley Banc Corp | 232.63M |
| THFF | First Financial Corp | 916.98M |
| CIVB | Civista Bancshares Inc | 598.58M |
| HWBK | Hawthorn Bancshares Inc | 287.50M |
Insider trading
7 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Cook Christopher D | President | Nov 04 '26 | Buy | 15.54 | 1,500 | 23,318 | 27,686 | Nov 04 10:39 AM |
| Jackson Jeffrey A. | Director | Aug 10 '26 | Buy | 15.92 | 2,500 | 39,794 | 49,125 | Aug 11 02:44 PM |
| Blum E. Michael | Director | Jun 02 '26 | Option Exercise | 10.53 | 3,500 | 36,855 | 47,685 | Jun 04 01:23 PM |
| Blum E. Michael | Director | Jun 01 '26 | Buy | 14.36 | 1,500 | 21,532 | 44,185 | Jun 01 04:29 PM |
| Daily William A. Jr. | Market President (West Ohio) | Feb 19 '26 | Buy | 14.10 | 213 | 3,000 | 845 | Feb 20 10:30 AM |
| Daily William A. Jr. | Market President (West Ohio) | Feb 19 '26 | Buy | 14.40 | 347 | 5,000 | 632 | Feb 19 03:51 PM |
| Daily William A. Jr. | Market President (West Ohio) | Jan 28 '26 | Buy | 14.06 | 285 | 4,001 | 285 | Jan 30 02:54 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | AUM: 8.52B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | AUM: 212.10M |
News
latest 14 of 186- RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES 2026 THIRD QUARTER FINANCIAL RESULTS (PR Newswire)
- RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES QUARTERLY DIVIDEND (PR Newswire)
- RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES 2026 SECOND QUARTER FINANCIAL RESULTS (PR Newswire)
- RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES COMPLETION OF MERGER WITH THE FARMERS BANCORP, FRANKFORT, INDIANA (PR Newswire)
- MERGER BETWEEN RICHMOND MUTUAL BANCORPORATION, INC. AND THE FARMERS BANCORP, FRANKFORT, INDIANA RECEIVES SHAREHOLDER APPROVAL (PR Newswire)
- RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES QUARTERLY DIVIDEND (PR Newswire)
- RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES 2026 FIRST QUARTER FINANCIAL RESULTS (PR Newswire)
- Are BTBD, RMBI, DBRG, WBD Obtaining Fair Deals for their Shareholders? (PR Newswire)
- RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES QUARTERLY DIVIDEND (PR Newswire)
- RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES 2025 FOURTH QUARTER AND FISCAL YEAR END FINANCIAL RESULTS (PR Newswire)
- Halper Sadeh LLC Encourages GIFI, MOVE, RMBI, CDTX Shareholders to Contact the Firm to Discuss Their Rights (PR Newswire)
- RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES QUARTERLY DIVIDEND (PR Newswire)
- RICHMOND MUTUAL AND THE FARMERS BANCORP ANNOUNCE TRANSFORMATIONAL STRATEGIC MERGER (PR Newswire)
- RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES 2025 THIRD QUARTER FINANCIAL RESULTS (PR Newswire) -5.11%
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-23 | - | - | 0.283 | 12.74 | - | - |
| 2025Q4 | 2026-01-22 | - | - | 0.347 | 13.06 | - | - |
| 2025Q3 | 2025-10-23 | - | - | 0.364 | 12.59 | - | - |
| 2025Q2 | 2025-07-23 | - | - | 0.264 | 11.84 | - | - |
| 2025Q1 | 2025-04-24 | - | - | 0.195 | 11.42 | - | - |
| 2024Q4 | 2025-01-23 | - | - | 0.241 | 11.06 | - | - |
| 2024Q3 | 2024-10-24 | - | - | 0.242 | 10.76 | - | - |
| 2024Q2 | 2024-07-25 | - | - | 0.202 | 10.75 | - | - |
| 2024Q1 | 2024-04-25 | - | - | 0.232 | 10.96 | - | - |
| 2023Q4 | 2024-01-25 | - | - | 0.189 | 10.51 | - | - |
| 2023Q3 | 2023-10-19 | - | - | 0.188 | 10.29 | - | - |
| 2023Q2 | 2023-07-25 | - | - | 0.257 | 10.51 | - | - |
| 2023Q1 | 2023-04-27 | - | - | 0.271 | 10.97 | - | - |
| 2022Q4 | 2023-01-26 | - | - | 0.307 | 11.92 | - | - |
| 2022Q3 | 2022-10-24 | - | - | 0.292 | 11.70 | - | - |
| 2022Q2 | 2022-07-25 | - | - | 0.313 | 11.73 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.218 | 0.456 | -1.13 | 0.815 | 0.958 | 1.173 | 0.908 | 0.917 | 1.169 | 0.9617 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.242 | 0.241 | 0.195 | 0.264 | 0.364 | 0.347 | 0.283 | 0.225 | 0.108 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 33.137 | 39.486 | 45.418 | 49.662 | 51.316 | 56.695 | 71.962 | 85.262 | 90.945 | 112.42 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 21.582 | 21.855 | 22.028 | 22.425 | 23.103 | 23.388 | 22.448 | 23.477 | 43.108 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 12.454 | 12.454 | 12.467 | 12.188 | 11.449 | 10.887 | 10.365 | 10.026 | 10.501 | 16.759 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 10.146 | 10.026 | 9.715 | 9.627 | 9.678 | 10.501 | 10.501 | 9.797 | 16.759 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 103.49 | 85.91 | 80.53 | 67.41 | 51.86 | 45.93 | 42.86 | 41.56 | 35.20 |
| Total Interest Expense | 45.59 | 42.06 | 41.82 | 29.75 | 10.22 | 7.68 | 9.39 | 11.16 | 7.75 |
| Net Interest Income | 57.90 | 43.85 | 38.71 | 37.66 | 41.64 | 38.24 | 33.47 | 30.40 | 27.45 |
| Loan Loss Provision | 8.05 | 2.15 | 0.55 | 0.53 | 0.60 | 1.43 | 3.77 | 2.60 | 1.68 |
| Net Interest Income After Loan Loss Provision | 49.85 | 41.69 | 38.16 | 37.13 | 41.04 | 36.81 | 29.70 | 27.80 | 25.77 |
| Non-Interest Income | 8.93 | 5.04 | 4.74 | 4.55 | 4.84 | 5.39 | 6.80 | 3.86 | 4.29 |
| Non-Interest Expense | 45.53 | 33.08 | 32.03 | 30.68 | 30.13 | 28.62 | 24.00 | 51.04 | 23.10 |
| Operating Income | 13.25 | 13.65 | 10.86 | 11.00 | 15.75 | 13.58 | 12.50 | -19.38 | 6.96 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 11.39 | 13.65 | 10.86 | 11.00 | 15.75 | 13.58 | 12.50 | -19.38 | 6.96 |
| Income Taxes | 1.22 | 2.08 | 1.49 | 1.52 | 2.78 | 2.44 | 2.48 | -5.29 | 1.28 |
| Consolidated Net Income | 10.17 | 11.58 | 9.38 | 9.49 | 12.97 | 11.14 | 10.02 | -14.08 | 5.68 |
| Net Income From Continuing Operations | 10.17 | 11.58 | 9.38 | 9.49 | 12.97 | 11.14 | 10.02 | -14.08 | 5.68 |
| Net Income | 10.17 | 11.58 | 9.38 | 9.49 | 12.97 | 11.14 | 10.02 | -14.08 | 5.68 |
| EPS (Recurring) | 0.63 | 1.17 | 0.92 | 0.91 | 1.17 | 0.96 | 0.82 | - | - |
| EPS (Basic, Before Extraordinaries) | 0.98 | 1.20 | 0.93 | 0.91 | 1.20 | 0.98 | 0.82 | -1.13 | 0.46 |
| EPS (Diluted) | 0.96 | 1.17 | 0.92 | 0.91 | 1.17 | 0.96 | 0.82 | -1.13 | 0.46 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.64 | 1.16 | 1.29 | 1.22 | 1.32 | 0.59 | 0.23 | - |
| Price To Earnings Ratio | 16.48 | 16.45 | 16.35 | 11.27 | 11.77 | 16.74 | 16.21 | - | - |
| Price To Sales Ratio | 2.14 | 1.53 | 1.70 | 1.67 | 2.54 | 3.64 | 3.38 | 4.38 | - |
| Operating Margin | 11.79 | 15.01 | 12.74 | 15.29 | 27.78 | 26.46 | 25.16 | -42.66 | 17.62 |
| Net Margin | 9.05 | 12.73 | 11.00 | 13.18 | 22.87 | 21.72 | 20.17 | -31.01 | 14.38 |
| Shares Outstanding | 16.76 | 10.50 | 10.03 | 10.37 | 10.89 | 11.45 | 12.19 | 12.47 | 12.45 |
| Market Capitalization | 265.63 | 265.13 | 154.36 | 129.43 | 153.46 | 199.41 | 175.41 | 208.45 | 208.06 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 38.55 | 21.90 | 21.16 | 21.88 | 21.81 | 21.35 | 20.87 | 20.67 |
| Total Interest Expense | 15.71 | 9.82 | 9.72 | 10.35 | 10.52 | 10.59 | 10.61 | 10.80 |
| Net Interest Income | 22.84 | 12.07 | 11.45 | 11.53 | 11.29 | 10.76 | 10.26 | 9.87 |
| Loan Loss Provision | 6.12 | 0.82 | 0.69 | 0.41 | 0.27 | 0.74 | 0.73 | 0.20 |
| Net Interest Income After Loan Loss Provision | 16.72 | 11.25 | 10.75 | 11.13 | 11.03 | 10.01 | 9.53 | 9.67 |
| Non-Interest Income | 4.55 | 1.58 | 1.29 | 1.51 | 1.29 | 1.08 | 1.16 | 1.19 |
| Non-Interest Expense | 20.01 | 8.30 | 8.69 | 8.52 | 8.07 | 8.11 | 8.37 | 7.92 |
| Operating Income | 1.27 | 4.53 | 3.35 | 4.11 | 4.24 | 2.98 | 2.32 | 2.94 |
| Unusual Expense | - | 1.86 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 1.27 | 2.66 | 3.35 | 4.11 | 4.24 | 2.98 | 2.32 | 2.94 |
| Income Taxes | -0.48 | 0.44 | 0.56 | 0.70 | 0.64 | 0.38 | 0.35 | 0.46 |
| Consolidated Net Income | 1.75 | 2.23 | 2.79 | 3.41 | 3.60 | 2.60 | 1.97 | 2.48 |
| Net Income From Continuing Operations | 1.75 | 2.23 | 2.79 | 3.41 | 3.60 | 2.60 | 1.97 | 2.48 |
| Net Income | 1.75 | 2.23 | 2.79 | 3.41 | 3.60 | 2.60 | 1.97 | 2.48 |
| EPS (Recurring) | 0.11 | 0.36 | 0.28 | 0.35 | 0.36 | 0.26 | 0.20 | 0.24 |
| EPS (Basic, Before Extraordinaries) | 0.11 | 0.23 | 0.29 | 0.35 | 0.37 | 0.27 | 0.20 | 0.25 |
| EPS (Diluted) | 0.11 | 0.22 | 0.28 | 0.35 | 0.36 | 0.26 | 0.20 | 0.24 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.07 | 0.07 | 0.05 | 0.02 | 287.13 | 0.29 | 0.29 |
| Price To Earnings Ratio | 16.48 | 12.63 | 11.60 | 13.19 | 15.07 | 15.66 | 13.95 | 16.35 |
| Price To Sales Ratio | 2.14 | 1.70 | 1.46 | 1.52 | 1.57 | 1.55 | 1.49 | 1.70 |
| Operating Margin | 2.94 | 19.28 | 14.91 | 17.57 | 18.36 | 13.31 | 10.52 | 13.43 |
| Net Margin | 4.06 | 9.48 | 12.41 | 14.58 | 15.57 | 11.60 | 8.94 | 11.33 |
| Shares Outstanding | 16.76 | 9.80 | 10.50 | 10.50 | 9.68 | 9.63 | 9.71 | 10.03 |
| Market Capitalization | 265.63 | 166.76 | 142.50 | 146.72 | 148.16 | 143.62 | 139.63 | 154.36 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 9.28 | 8.99 | 8.58 | 7.78 | 8.47 | 16.75 | 9.09 | 10.11 | 9.88 |
| Investments | 296.10 | 289.76 | 312.74 | 310.62 | 391.69 | 299.79 | 256.81 | 154.98 | 156.45 |
| Net Loans | 1,176.81 | 1,158.88 | 1,090.07 | 961.69 | 832.85 | 734.41 | 687.26 | 654.76 | 557.93 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 14.03 | 13.32 | 13.76 | 14.17 | 14.35 | 14.89 | 14.09 | 14.03 | 13.59 |
| Interest Receivables | 6.30 | 6.03 | 5.84 | 4.71 | 4.19 | 4.70 | 3.05 | 2.69 | 2.27 |
| Deferred Tax Assets | 15.10 | 17.98 | 17.57 | 19.19 | 7.01 | 8.83 | 8.77 | 3.58 | 4.23 |
| Other Intangible Assets | 9.39 | 11.15 | 13.84 | 11.69 | 10.19 | 6.79 | 7.71 | 10.05 | 9.83 |
| Total Assets | 1,527.01 | 1,506.10 | 1,462.42 | 1,329.86 | 1,268.76 | 1,086.17 | 986.77 | 850.19 | 754.19 |
| Total Deposits | 1,114.89 | 1,093.94 | 1,041.14 | 1,005.26 | 900.18 | 693.05 | 617.22 | 620.64 | 560.39 |
| Total Debt | 252.64 | 265.40 | 271.51 | 180.51 | 180.00 | 170.00 | 154.00 | 136.10 | 104.00 |
| Long Term Debt | 116.54 | 140.33 | 162.44 | 153.44 | 174.00 | 170.00 | 143.00 | 84.00 | 104.00 |
| Provision for Risks Charges | 0.33 | 0.00 | 0.00 | 0.00 | 0.00 | 17.45 | 17.45 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 1.22 | 1.22 | 1.39 | 1.24 | 1.12 | 1.98 | 0.73 | 0.57 | 0.57 |
| Other Liabilities | 12.15 | 12.66 | 13.52 | 9.87 | 6.98 | 10.98 | 9.58 | 7.03 | 7.43 |
| Total Liabilities | 1,381.22 | 1,373.22 | 1,327.56 | 1,196.89 | 1,088.28 | 893.46 | 798.99 | 764.34 | 672.39 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1E-06 |
| Common Equity | 145.78 | 132.87 | 134.86 | 132.98 | 180.48 | 192.71 | 187.79 | 85.85 | 81.80 |
| Total Shareholders Equity | 145.78 | 132.87 | 134.86 | 132.98 | 180.48 | 192.71 | 187.79 | 85.85 | 81.80 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 145.78 | 132.87 | 134.86 | 132.98 | 180.48 | 192.71 | 187.79 | 85.85 | 81.80 |
| Total Liabilities & Stockholders Equity | 1,527.01 | 1,506.10 | 1,462.42 | 1,329.86 | 1,268.76 | 1,086.17 | 986.77 | 850.19 | 754.19 |
| Book Value Per Share | 13.88 | 13.25 | 13.01 | 12.21 | 15.76 | 15.81 | 15.06 | 6.89 | 6.57 |
| Tangible Book Value Per Share | 13.88 | 13.25 | 13.01 | 12.21 | 15.76 | 15.81 | 15.06 | 6.89 | 6.57 |
| Tier 1 Capital | 170.59 | 165.47 | 159.41 | 152.39 | 157.48 | 153.32 | 142.05 | 84.25 | - |
| Tier 2 Capital | 15.94 | - | 15.53 | 12.41 | 12.11 | 9.30 | 7.09 | 5.60 | - |
| Full-Time Employees | 180 | 173 | 176 | 181 | 173 | 170 | 166 | 172 | 174 |
| Price to Book Ratio | 1.16 | 1.03 | 1.01 | 1.13 | 1.02 | 0.86 | 1.02 | 0.96 | - |
| Return on Assets | 0.76 | 0.63 | 0.68 | 1.00 | 0.95 | 0.97 | -1.53 | 0.71 | - |
| Return on Equity | 8.31 | 7.01 | 7.08 | 8.27 | 5.97 | 5.27 | -10.29 | 6.77 | - |
| Return on Invested Capital | 4.41 | 3.43 | 3.19 | 4.53 | 3.14 | 2.76 | -4.26 | 3.34 | 1.46 |
| Current Ratio | 0.04 | 0.03 | 0.03 | 0.03 | 0.06 | 0.15 | 0.09 | 0.04 | 0.08 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 15.51 | 12.85 | 13.67 | 17.51 | 15.78 | 14.09 | 8.15 | 9.62 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 0.45 | 1.61 | -1.88 | 0.73 | -23.99 | 0.83 | 1.85 | -0.96 |
| Cash from Operating Activities | - | 15.97 | 14.45 | 11.79 | 18.24 | -8.22 | 14.91 | 10.00 | 8.66 |
| Capital Expenditures | - | -1.36 | -0.46 | -0.62 | -0.39 | -0.58 | -1.88 | -0.96 | -1.33 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.03 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 20.40 | 21.58 | 12.25 | 12.09 | -118.52 | -35.86 | -70.16 | -2.38 |
| Purchase of Investments | - | -5.70 | -7.50 | -11.24 | -22.53 | -188.84 | -167.38 | -164.29 | -22.34 |
| Sale Or Maturity of Investments | - | 26.10 | 29.09 | 23.49 | 34.62 | 70.32 | 131.51 | 94.13 | 19.97 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.00 | -1.26 | -2.70 | 0.05 | -0.94 | -1.45 | -1.04 | 0.16 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -1.14 | -49.00 | -122.21 | -116.21 | -213.62 | -87.60 | -106.67 | -101.74 |
| Cash Dividends Paid | - | -5.84 | -5.70 | -5.92 | -4.41 | -9.28 | -1.84 | 0.00 | -0.50 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -5.63 | -5.04 | -6.25 | -9.86 | -11.79 | -9.08 | 113.02 | -0.01 |
| Repurchase of Common Pref Stock | - | -5.63 | -5.04 | -6.25 | -9.86 | -11.91 | -9.08 | 0.00 | -0.01 |
| Sale of Common Pref Stock | - | -4E-06 | -0.00 | 0.00 | 0.00 | 0.13 | 0.00 | 113.02 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 113.02 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -13.00 | -6.00 | 91.00 | 0.00 | 10.00 | 16.00 | 12.69 | 32.10 |
| Change in Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 10.00 | 16.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 209.00 | 64.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | -199.00 | -48.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | 0.06 | 0.00 | 0.03 | 0.03 | 0.04 | -0.05 | 0.00 | 0.04 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | - | -0.05 | 0.00 | 0.00 |
| Cash from Financing Activities | - | -3.46 | 36.06 | 114.74 | 90.85 | 196.11 | 80.85 | 122.30 | 91.88 |
| Net Change in Cash | - | 11.37 | 1.52 | 4.32 | -7.12 | -25.73 | 8.17 | 25.63 | -1.20 |
| Free Cash Flow | - | 14.61 | 13.99 | 11.18 | 17.86 | -8.80 | 13.03 | 9.04 | 7.34 |
| Price to Free Cash Flow | - | 15.85 | 17.45 | 22.89 | 10.70 | - | 14.99 | 22.00 | - |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 109.91 | 11.94 | 9.70 | 9.28 | 11.42 | 11.61 |
| Investments | 353.43 | 287.85 | 291.26 | 296.10 | 291.42 | 283.09 |
| Net Loans | 2,003.99 | 1,207.85 | 1,174.12 | 1,176.81 | 1,178.23 | 1,167.85 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 34.18 | 13.56 | 13.50 | 14.03 | 13.43 | 13.19 |
| Interest Receivables | - | 6.26 | 6.18 | 6.30 | 5.83 | 6.20 |
| Deferred Tax Assets | - | - | - | 15.10 | - | - |
| Other Intangible Assets | 97.61 | 24.52 | 24.40 | 9.39 | 25.20 | 25.79 |
| Total Assets | 2,599.11 | 1,552.03 | 1,519.22 | 1,527.01 | 1,525.57 | 1,507.76 |
| Total Deposits | 2,085.39 | 1,146.64 | 1,106.37 | 1,114.89 | 1,118.26 | 1,096.39 |
| Total Debt | 263.59 | 244.00 | 256.00 | 252.64 | 254.00 | 267.00 |
| Long Term Debt | 263.59 | 244.00 | 256.00 | 116.54 | 254.00 | 267.00 |
| Provision for Risks Charges | - | 0.43 | 0.40 | 0.33 | 0.39 | 0.58 |
| Deferred Tax Liabilities | - | - | - | 1.22 | - | - |
| Other Liabilities | - | 12.68 | 11.54 | 12.15 | 12.88 | 11.46 |
| Total Liabilities | - | 1,403.76 | 1,374.31 | 1,381.22 | 1,385.53 | 1,375.44 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 228.90 | 148.27 | 144.91 | 145.78 | 140.04 | 132.32 |
| Total Shareholders Equity | 228.90 | 148.27 | 144.91 | 145.78 | 140.04 | 132.32 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 228.90 | 148.27 | 144.91 | 145.78 | 140.04 | 132.32 |
| Total Liabilities & Stockholders Equity | - | 1,552.03 | 1,519.22 | 1,527.01 | 1,525.57 | 1,507.76 |
| Book Value Per Share | 13.66 | 15.13 | 13.80 | 13.88 | 14.47 | 13.74 |
| Tangible Book Value Per Share | - | 15.13 | 13.80 | 13.88 | 14.47 | 13.74 |
| Tier 1 Capital | - | 171.09 | 171.01 | 170.59 | 168.25 | 166.56 |
| Tier 2 Capital | - | 16.48 | - | 15.94 | 16.05 | 16.04 |
| Full-Time Employees | 310 | - | - | 180 | - | - |
| Price to Book Ratio | 1.16 | 1.15 | 0.98 | 0.97 | 1.03 | 1.02 |
| Return on Assets | 0.49 | 0.79 | 0.81 | 0.76 | 0.71 | 0.63 |
| Return on Equity | 5.51 | 8.57 | 8.99 | 8.31 | 7.60 | 7.23 |
| Return on Invested Capital | 0.36 | 0.57 | 0.69 | 1.30 | 0.91 | 0.65 |
| Current Ratio | 0.17 | 0.43 | 0.43 | 0.04 | 0.35 | 0.31 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 2.77 | 3.83 | 3.75 | 4.76 | 3.74 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 0.26 | -1.05 | -1.09 | 1.52 | 0.40 |
| Cash from Operating Activities | - | 3.03 | 2.79 | 2.67 | 6.28 | 4.14 |
| Capital Expenditures | - | -0.29 | -0.32 | -0.20 | -0.46 | -0.63 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 2.96 | 3.52 | 2.86 | 5.66 | 7.80 |
| Purchase of Investments | - | 0.00 | -0.96 | -0.91 | -0.46 | -3.30 |
| Sale Or Maturity of Investments | - | 2.96 | 4.48 | 3.77 | 6.12 | 11.11 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -29.91 | 4.76 | 3.17 | -6.78 | 15.22 |
| Cash Dividends Paid | - | -1.47 | -1.46 | -1.46 | -1.45 | -1.44 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.04 | 0.00 | -4E-06 | 0.00 | -1.40 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | -1.40 |
| Sale of Common Pref Stock | - | 0.04 | 0.00 | -4E-06 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -12.00 | 4.00 | -2.00 | -13.00 | -7.00 |
| Change in Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | -0.05 | 0.12 | -0.15 | 0.13 | -0.06 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | - | 26.80 | -5.88 | -6.97 | 7.56 | -19.18 |
| Net Change in Cash | - | -0.08 | 1.67 | -1.13 | 7.05 | 0.18 |
| Free Cash Flow | - | 2.74 | 2.46 | 2.47 | 5.82 | 3.51 |
| Price to Free Cash Flow | - | 20.57 | 15.83 | 15.74 | 11.56 | 14.63 |
Revenue breakdown
| State Commercial Banks | 2024: 43.47M 2025: 48.91M |
|---|---|
| United States | 2024: 43.47M 2025: 48.91M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 3.18% | 0.5M | 14.3M | 79.76K |
| 2026-10-15 | 3.07% | 0.4M | 14.3M | 81.09K |
| 2026-09-30 | 3.25% | 0.5M | 14.2M | 83.75K |
| 2026-09-15 | 1.76% | 0.2M | 14.2M | 64.98K |
| 2026-08-31 | 1.27% | 0.2M | 14.2M | 53.80K |
| 2026-08-14 | 1.02% | 0.1M | 14.2M | 55.90K |
| 2026-07-31 | 1.18% | 0.1M | 12.6M | 54.31K |
| 2026-07-15 | 1.33% | 0.2M | 12.6M | 56.84K |
| 2026-06-30 | 2.99% | 0.2M | 8.2M | 49.23K |
| 2026-06-15 | 1.78% | 0.1M | 8.2M | 38.84K |
| 2026-05-29 | 1.88% | 0.2M | 8.2M | 36.99K |
| 2026-05-15 | 2.06% | 0.2M | 8.2M | 30.04K |
| 2026-04-30 | 2.67% | 0.2M | 8.2M | 26.17K |
| 2026-04-15 | 2.94% | 0.2M | 8.2M | 17.67K |
| 2026-03-31 | 2.83% | 0.2M | 8.2M | 16.11K |
| 2026-03-13 | 2.66% | 0.2M | 8.1M | 16.44K |
| 2026-02-27 | 2.48% | 0.2M | 8.1M | 16.56K |
| 2026-02-13 | 2.69% | 0.2M | 8.1M | 16.32K |
| 2026-01-30 | 2.76% | 0.2M | 8.1M | 18.14K |
| 2026-01-15 | 2.65% | 0.2M | 8.1M | 17.99K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-04 | SEC |
| 2026-10-30 | 8-K | Current report | 2026-10-30 | SEC |
| 2026-08-20 | 8-K | Current report | 2026-08-20 | SEC |
| 2026-08-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-12 | 8-K/A | 2026-07-01 | SEC | |
| 2026-08-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-10 | SEC |
| 2026-07-27 | 8-K | Current report | 2026-07-27 | SEC |
| 2026-07-17 | 8-K/A | 2026-07-01 | SEC | |
| 2026-07-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-08 | 3 | Initial statement of beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-07 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-07 | 3 | Initial statement of beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-06 | 3 | Initial statement of beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-06 | 3 | Initial statement of beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-06 | 3 | Initial statement of beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-06 | 3 | Initial statement of beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-06 | 3 | Initial statement of beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-07-01 | 8-K | Current report | 2026-07-01 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-01 | SEC |
| 2026-05-27 | 8-K | Current report | 2026-05-27 | SEC |
| 2026-05-22 | 8-K | Current report | 2026-05-22 | SEC |
| 2026-05-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-05 | 8-K | Current report | 2026-05-05 | SEC |
| 2026-04-23 | 8-K | Current report | 2026-04-23 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 23.32K | 1 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 39.79K | 1 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 21.53K | 1 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 8.00K | 2 | 0 | 0 |
| 2026-01 | 4.00K | 1 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 5.25% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.44% |
| GEODE CAPITAL MANAGEMENT, LLC | 1.68% |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 1.44% |
| STIFEL FINANCIAL CORP | 1.26% |
| STATE STREET CORP | 1.10% |
| DIMENSIONAL FUND ADVISORS LP | 1.04% |
| MORGAN STANLEY | 0.82% |
| RENAISSANCE TECHNOLOGIES LLC | 0.69% |
| NORTHERN TRUST CORP | 0.61% |
Funds
| Fund | % owned |
|---|---|
| Fidelity Small Cap Index Fund | 0.56% |
| Fidelity Extended Market Index Fund | 0.23% |
| Fidelity Total Market Index Fund | 0.12% |
| Omni Small-Cap Value Fund | 0.11% |
| Fidelity Small Cap Value Index Fund | 0.10% |
| Fidelity Series Total Market Index Fund | 0.07% |
| Dimensional US Small Cap Value ETF | 0.06% |
| Dimensional U.S. Targeted Value ETF | 0.05% |
| Small Cap Index Fund | 0.03% |
| Dimensional U.S. Core Equity 2 ETF | 0.03% |
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