RMBI Richmond Mutual Bancorporation, Inc. - Common Stock
$16.01
Price · Aug 18, 2026
Fundamentals as of Aug 13, 2026
52W Range
$13–$17
85% of range
Analyst Rating
—
Price Target
—
P/E (TTM)
13.7
ROE
8.3%
Net Profit Margin
23.7%
RMBI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$16.01
Market Cap
$168M
P/E (TTM)
13.7
EPS (TTM)
$1.17
Revenue (TTM)
—
Div Yield
3.5%
ROE
8.3%
Debt/Equity
—
52W Range
$13 – $17
RMBI Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$1.17
2019-12-31
→
2025-12-31
Free Cash Flow
$15M
2019-12-31
→
2025-12-31
Margins
23.7%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
RMBI
Peer Median
P/E (TTM)
13.7
13.8
P/S (TTM)
3.4
2.2
P/B
1.2
1.0
Price / FCF
11.5
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
RMBI
Peer Median
Net Profit Margin
23.7%
26.4%
ROA
0.76%
0.70%
ROE
8.3%
7.9%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
RMBI
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
RMBI
Peer Median
Revenue YoY
12.5%
—
Revenue CAGR 3Y
1.7%
—
Revenue CAGR 5Y
4.0%
—
EPS YoY
27.2%
—
Net Income YoY
23.4%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
RMBI
Peer Median
Payout Ratio
50.4%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
3.5%
Payout Ratio
50.4%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| June 3, 2026 | $0.1500 |
| Feb. 25, 2026 | $0.1500 |
| Dec. 4, 2025 | $0.1500 |
| Sept. 4, 2025 | $0.1500 |
| June 5, 2025 | $0.1500 |
| Feb. 26, 2025 | $0.1500 |
| Dec. 5, 2024 | $0.1400 |
| Sept. 4, 2024 | $0.1400 |
| May 30, 2024 | $0.1400 |
| March 1, 2024 | $0.1400 |
| Nov. 29, 2023 | $0.1400 |
| Aug. 30, 2023 | $0.1400 |
| May 31, 2023 | $0.1400 |
| March 3, 2023 | $0.1400 |
| Nov. 30, 2022 | $0.1000 |
| Aug. 31, 2022 | $0.1000 |
| June 1, 2022 | $0.1000 |
| March 2, 2022 | $0.1000 |
| Dec. 1, 2021 | $0.0700 |
| Sept. 1, 2021 | $0.0700 |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| March 31, 2026 | $0.28 | — | — |
| Dec. 31, 2025 | $0.35 | — | — |
| June 30, 2025 | $0.26 | — | — |
| Dec. 31, 2024 | $0.24 | — | — |
| March 31, 2024 | $0.23 | — | — |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| RMBI | $147M | 12.0 | 12.5% | 23.7% | 8.3% | — |
| HWBK | $241M | 10.2 | 10.0% | 29.7% | 14.4% | — |
| NKSH | $214M | 13.5 | 9.8% | 193.6% | 8.9% | — |
| WNEB | $257M | 16.8 | — | 18.5% | 6.3% | — |
| VABK | $215M | 11.2 | 6.7% | 33.4% | 10.8% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $30M | $10M | $8M | $9M | $11M | $8M | |
| Interest Income | $86M | $81M | $67M | $52M | $46M | $43M | $42M | $35M | |
| Pretax Income | $14M | · | · | · | · | · | · | · | |
| Income Tax | $2M | $1M | $2M | $3M | $2M | $2M | $-5M | $1M | |
| Net Income | $12M | $9M | $9M | $13M | $11M | $10M | $-14M | $6M | |
| EPS (Basic) | $1.20 | $0.93 | $0.91 | $1.20 | $0.98 | $0.82 | $-1.27 | · | |
| EPS (Diluted) | $1.17 | $0.92 | $0.91 | $1.17 | $0.96 | $0.82 | $-1.27 | · | |
| Shares (Basic) | 10,502,458 | 11,028,029 | 11,487,615 | 12,001,527 | 12,731,735 | 13,414,367 | · | · | |
| Shares (Diluted) | 9,901,266 | 10,228,712 | 10,450,611 | 11,058,178 | 11,632,332 | 12,286,437 | · | · |
Balance Sheet 12
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $33M | $22M | $20M | $16M | $23M | $49M | $41M | $15M | |
| PP&E (Net) | $13M | $13M | $13M | $14M | $14M | $15M | $14M | $14M | |
| PP&E (Gross) | $30M | $29M | $28M | $28M | $29M | $30M | $29M | $28M | |
| Accum. Depreciation | $17M | $16M | $15M | $14M | $15M | $15M | $14M | $14M | |
| Total Assets | $1.53B | $1.50B | $1.46B | $1.33B | $1.27B | $1.08B | $986M | $850M | |
| Total Liabilities | $1.38B | $1.37B | $1.33B | $1.20B | $1.09B | $891M | $798M | $764M | |
| Common Stock | $105.0K | $108.2K | $112.1K | $117.8K | $124.0K | $131.9K | $135.3K | $1 | |
| Paid-in Capital | $93M | $98M | $101M | $106M | $114M | $124M | $133M | $13M | |
| AOCI | $-35M | $-46M | $-43M | $-50M | $-1M | $4M | $-660.7K | $-4M | |
| Stockholders' Equity | $146M | $133M | $135M | $132M | $180M | $193M | $188M | $86M | |
| Liabilities + Equity | $1.53B | $1.50B | $1.46B | $1.33B | $1.27B | $1.08B | $986M | $850M | |
| Shares Outstanding | 10,501,260 | 10,814,960 | 11,208,500 | 11,784,246 | 12,400,195 | 13,193,760 | 13,526,625 | 100 |
Cash Flow 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $891.8K | $850.2K | $975.8K | $1M | $1M | $1M | $898.3K | $895.3K | |
| Stock-based Comp | $815.8K | $1M | $2M | $2M | $2M | $810.9K | $0 | · | |
| Deferred Tax | $-114.4K | $158.3K | $641.1K | $1M | $2M | $-35.0K | $-6M | $938.0K | |
| Operating Cash Flow | $16M | $15M | $12M | $18M | $-10M | $17M | $10M | $8M | |
| CapEx | $1M | $460.4K | $619.2K | $385.1K | $579.5K | $2M | $960.0K | $1M | |
| Investing Cash Flow | $-1M | $-49M | $-123M | $-116M | $-212M | $-89M | $-107M | $-102M | |
| Stock Repurchased | $6M | $5M | $6M | $10M | $12M | $9M | · | · | |
| Net Stock Activity | $-6M | $-5M | $-6M | $-10M | $-12M | · | · | · | |
| Dividends Paid | $6M | $6M | $6M | $4M | $9M | $2M | $0 | · | |
| Financing Cash Flow | $-3M | $36M | $115M | $91M | $196M | $81M | $122M | $92M | |
| Net Change in Cash | $11M | $2M | $4M | $-7M | $-26M | $8M | $26M | $-1M | |
| Taxes Paid | $1M | $-406.8K | $2M | · | · | · | · | · | |
| Free Cash Flow | $15M | $14M | $11M | $18M | $-10M | $15M | $9M | · |
Profitability 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 23.7% | 21.6% | 22.4% | 27.9% | 25.5% | 24.9% | -41.1% | · | |
| Pretax Margin | 27.9% | · | · | · | · | · | · | · | |
| ROA | 0.76% | 0.63% | 0.68% | 1.0% | 0.95% | 0.97% | -1.5% | · | |
| ROE | 8.3% | 7.0% | 7.1% | 8.3% | 6.0% | 5.3% | -10.3% | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 12.5% | 2.8% | -9.1% | 6.5% | 8.4% | · | · | · | |
| Revenue CAGR 3Y | 1.7% | -0.15% | 1.6% | · | · | · | · | · | |
| Revenue CAGR 5Y | 4.0% | · | · | · | · | · | · | · | |
| EPS YoY | 27.2% | 1.1% | -22.2% | 21.9% | 17.1% | · | · | · | |
| EPS CAGR 3Y | 0.00% | -1.4% | 3.5% | · | · | · | · | · | |
| EPS CAGR 5Y | 7.4% | · | · | · | · | · | · | · | |
| Net Income YoY | 23.4% | -1.1% | -26.8% | 16.3% | 11.2% | · | · | · | |
| Net Income CAGR 3Y | -3.7% | -5.6% | -1.8% | · | · | · | · | · | |
| Net Income CAGR 5Y | 2.9% | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 26.0% | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $49M | $43M | $42M | $47M | $44M | $40M | $34M | · | |
| Net Income TTM | $12M | $9M | $9M | $13M | $11M | $10M | $-14M | · | |
| Market Cap | $147M | $153M | $129M | $153M | $199M | $180M | $216M | · | |
| P/E | 12.0 | 15.4 | 12.6 | 11.1 | 16.7 | 16.7 | -12.6 | · | |
| P/S | 3.0 | 3.5 | 3.1 | 3.3 | 4.6 | 4.5 | 6.3 | · | |
| P/B | 1.0 | 1.2 | 1.0 | 1.2 | 1.1 | 0.9 | 1.1 | · | |
| P / Tangible Book | 1.0 | 1.2 | 1.0 | 1.2 | 1.1 | 0.9 | · | · | |
| P / Cash Flow | 9.2 | 10.4 | 10.6 | 8.4 | -20.6 | 10.9 | 21.4 | · | |
| P / FCF | 10.1 | 10.7 | 11.2 | 8.6 | -19.5 | 12.3 | 23.6 | · | |
| Dividend Yield | 4.0% | 3.7% | 4.6% | 2.9% | 4.7% | 1.0% | 0.00% | · | |
| Earnings Yield | 8.3% | 6.5% | 7.9% | 9.0% | 6.0% | 6.0% | -8.0% | · | |
| Payout Ratio | 50.4% | 60.8% | 62.4% | 34.0% | 83.2% | 18.4% | · | · | |
| Annual Payout | $6M | $6M | $6M | $4M | $9M | $2M | $0 | · |
Income Statement 8
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $10M | · | $8M | $7M | $5M | $4M | $3M | |
| Interest Income | $22M | $21M | $22M | $22M | $21M | $21M | $21M | $20M | $20M | $20M | $19M | $17M | $16M | $15M | $14M | $13M | |
| Income Tax | $436.3K | $562.4K | $700.8K | $644.7K | $382.4K | $348.3K | $459.7K | $369.4K | $305.1K | $352.2K | $235.0K | $273.6K | $475.0K | $532.2K | $668.3K | $615.5K | |
| Net Income | $2M | $3M | $3M | $4M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $3M | $3M | $3M | $3M | |
| EPS (Basic) | $0.23 | $0.29 | $0.36 | $0.37 | $0.27 | $0.20 | $0.25 | $0.25 | $0.20 | $0.23 | $0.19 | $0.19 | $0.26 | $0.27 | $0.31 | $0.30 | |
| EPS (Diluted) | $0.22 | $0.28 | $0.35 | $0.36 | $0.26 | $0.20 | $0.25 | $0.24 | $0.20 | $0.23 | $0.19 | $0.19 | $0.26 | $0.27 | $0.31 | $0.29 | |
| Shares (Basic) | 10,502,375 | 10,501,260 | -21,047,153 | 10,420,613 | 10,416,086 | 10,712,912 | -22,190,975 | 10,986,327 | 11,062,323 | 11,170,354 | -23,220,731 | 11,403,229 | 11,546,999 | 11,758,118 | -24,217,964 | 11,823,889 | |
| Shares (Diluted) | 9,913,357 | 9,860,105 | -19,921,756 | 9,893,853 | 9,844,872 | 10,084,297 | -20,395,631 | 10,216,394 | 10,178,269 | 10,229,680 | -21,142,869 | 10,382,159 | 10,475,544 | 10,735,777 | -22,376,876 | 10,835,617 |
Balance Sheet 12
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $35M | $35M | $33M | $34M | $27M | $27M | $22M | $20M | $19M | $20M | $20M | $21M | $17M | $17M | $16M | $19M | |
| PP&E (Net) | $14M | $13M | $13M | $13M | $13M | $13M | $13M | $13M | $13M | $13M | $13M | $13M | $14M | $13M | $14M | $14M | |
| PP&E (Gross) | · | · | $30M | · | · | · | $29M | · | · | · | $28M | · | · | · | $28M | · | |
| Accum. Depreciation | · | · | $17M | · | · | · | $16M | · | · | · | $15M | · | · | · | $14M | · | |
| Total Assets | $1.55B | $1.52B | $1.53B | $1.53B | $1.51B | $1.52B | $1.50B | $1.49B | $1.50B | $1.49B | $1.46B | $1.42B | $1.41B | $1.36B | $1.33B | $1.28B | |
| Total Liabilities | $1.40B | $1.37B | $1.38B | $1.39B | $1.38B | $1.39B | $1.37B | $1.35B | $1.36B | $1.36B | $1.33B | $1.30B | $1.28B | $1.23B | $1.20B | $1.15B | |
| Common Stock | $105.0K | $105.0K | $105.0K | $104.3K | $103.9K | $104.9K | $108.2K | $109.5K | $110.2K | $111.2K | $112.1K | $113.0K | $114.5K | $116.9K | $117.8K | $118.0K | |
| Paid-in Capital | $93M | $93M | $93M | $93M | $93M | $94M | $98M | $99M | $100M | $101M | $101M | $102M | $103M | $105M | $106M | $106M | |
| AOCI | $-35M | $-37M | $-35M | $-38M | $-43M | $-45M | $-46M | $-39M | $-47M | $-46M | $-43M | $-60M | $-48M | $-44M | $-50M | $-55M | |
| Stockholders' Equity | $148M | $145M | $146M | $140M | $132M | $131M | $133M | $140M | $131M | $132M | $135M | $119M | $131M | $136M | $132M | $125M | |
| Liabilities + Equity | $1.55B | $1.52B | $1.53B | $1.53B | $1.51B | $1.52B | $1.50B | $1.49B | $1.50B | $1.49B | $1.46B | $1.42B | $1.41B | $1.36B | $1.33B | $1.28B | |
| Shares Outstanding | 10,504,760 | 10,501,260 | 10,501,260 | 10,426,263 | 10,389,137 | 10,490,264 | 10,814,960 | 10,948,818 | 11,018,824 | 11,115,887 | 11,208,500 | 11,300,075 | 11,448,621 | 11,685,693 | 11,784,246 | 11,802,424 |
Cash Flow 12
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $224.3K | $223.8K | $226.7K | $224.3K | $221.4K | $219.5K | $212.1K | $211.8K | $211.6K | $214.8K | $223.8K | $243.9K | $246.5K | $261.7K | $264.7K | $267.3K | |
| Stock-based Comp | $88.2K | $87.5K | $59.6K | $29.3K | $363.5K | $363.5K | $371.5K | $371.5K | $363.5K | $367.5K | $477.4K | $386.8K | $383.6K | $379.4K | $387.8K | $387.8K | |
| Deferred Tax | $231.5K | $2 | $241.1K | $-117.9K | $-119.8K | $-117.8K | $184.0K | $-81.4K | $19.2K | $36.5K | $667.8K | $35.8K | $26.0K | $-88.5K | $1M | $-113.6K | |
| Operating Cash Flow | $3M | $3M | $3M | $6M | $5M | $2M | $7M | $3M | $3M | $2M | $4M | $2M | $3M | $4M | $4M | $5M | |
| CapEx | $290.2K | $324.6K | $196.7K | $461.8K | $627.5K | $76.0K | $116.1K | $114.6K | $114.2K | $115.4K | $193.7K | $47.1K | $292.0K | $86.4K | $157.6K | $33.4K | |
| Investing Cash Flow | $-30M | $5M | $3M | $-7M | $15M | $-12M | $-19M | $11M | $-11M | $-30M | $-22M | $-22M | $-51M | $-28M | $-45M | $-18M | |
| Stock Repurchased | $0 | $0 | $0 | $0 | $1M | $4M | $2M | $885.9K | $1M | $1M | $976.3K | $2M | $2M | $1M | $238.2K | $647.5K | |
| Net Stock Activity | · | $0 | · | · | · | $-4M | · | · | · | $-1M | · | · | · | $-1M | · | · | |
| Dividends Paid | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $2M | $1M | $1M | |
| Financing Cash Flow | $27M | $-6M | $-7M | $8M | $-19M | $15M | $14M | $-13M | $7M | $28M | $18M | $23M | $48M | $26M | $38M | $19M | |
| Net Change in Cash | $-77.7K | $2M | $-1M | $7M | $179.4K | $5M | $2M | $551.4K | $-1M | $50.1K | $-412.3K | $3M | $74.3K | $1M | $-3M | $5M | |
| Free Cash Flow | · | $2M | · | · | · | $2M | · | · | · | $2M | · | · | · | $4M | · | · |
Profitability 3
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 16.3% | 21.9% | · | 28.6% | 22.0% | 17.2% | · | 23.0% | 19.3% | 21.6% | · | 18.9% | 25.6% | 26.5% | · | 27.0% | |
| ROA | 0.15% | 0.18% | · | 0.24% | 0.17% | 0.13% | · | 0.17% | 0.14% | 0.17% | · | 0.14% | 0.20% | 0.22% | · | 0.25% | |
| ROE | 1.6% | 2.0% | · | 2.6% | 2.0% | 1.5% | · | 1.9% | 1.6% | 1.8% | · | 1.6% | 2.0% | 2.0% | · | 2.1% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $51M | $49M | · | $47M | $45M | $44M | · | $43M | $42M | $43M | · | $43M | $45M | $46M | · | $46M | |
| Net Income TTM | $11M | $11M | · | $11M | $9M | $9M | · | $9M | $9M | $10M | · | $11M | $12M | $13M | · | $13M | |
| Market Cap | $167M | $143M | · | $148M | $143M | $134M | · | $141M | $129M | $124M | · | $126M | $126M | $121M | · | $159M | |
| P/E | 14.2 | 12.3 | · | 13.4 | 15.3 | 14.7 | · | 15.0 | 13.3 | 11.7 | · | 11.0 | 9.8 | 9.2 | · | 11.9 | |
| P/S | 3.3 | 2.9 | · | 3.2 | 3.2 | 3.1 | · | 3.3 | 3.0 | 2.9 | · | 2.9 | 2.8 | 2.7 | · | 3.5 | |
| P/B | 1.1 | 1.0 | · | 1.1 | 1.1 | 1.0 | · | 1.0 | 1.0 | 0.9 | · | 1.1 | 1.0 | 0.9 | · | 1.3 | |
| P / Tangible Book | 1.1 | 1.0 | · | 1.1 | 1.1 | 1.0 | · | 1.0 | 1.0 | 0.9 | · | 1.1 | 1.0 | 0.9 | · | 1.3 | |
| P / Cash Flow | · | 51.2 | · | · | · | 61.6 | · | · | · | 57.2 | · | · | · | 33.8 | · | · | |
| P / FCF | · | 57.9 | · | · | · | 63.8 | · | · | · | 60.4 | · | · | · | 34.6 | · | · | |
| Earnings Yield | 7.0% | 8.1% | · | 7.5% | 6.5% | 6.8% | · | 6.7% | 7.5% | 8.5% | · | 9.1% | 10.2% | 10.9% | · | 8.4% | |
| Payout Ratio | · | 52.6% | · | · | · | 75.8% | · | · | · | 60.7% | · | · | · | 52.3% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $12M | $9M | $9M | $13M | $11M |
| Diluted EPS | $1.17 | $0.92 | $0.91 | $1.17 | $0.96 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $15M | $14M | $11M | $18M | $-10M |
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Institutional owners (13F) 80 filers · $31.5M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 22 (+14 vs prior Q) | 6 (+3 vs prior Q) | 24 (+12 vs prior Q) | 11 (-14 vs prior Q) | +51K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $5,738,794 | 361,385 | 18.20% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $2,927,372 | 184,266 | 9.28% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2,397,022 | 150,946 | 7.60% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $2,167,302 | 136,480 | 6.87% | Shares |
| STIFEL FINANCIAL CORP | $2,103,530 | 132,464 | 6.67% | Shares |
| STATE STREET CORP | $1,837,364 | 115,703 | 5.83% | Shares |
| Keeley-Teton Advisors, LLC | $1,179,773 | 92,170 | 3.74% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,145,615 | 72,142 | 3.63% | Shares |
| PL Capital Advisors, LLC | $980,098 | 61,719 | 3.11% | Shares |
| Sanctuary Advisors, LLC | $947,000 | 59,635 | 3.00% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $906,018 | 57,054 | 2.87% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $877,799 | 55,277 | 2.78% | Shares |
| VANGUARD GROUP INC | $720,631 | 51,327 | 2.29% | Shares |
| KEELER & NADLER FINANCIAL PLANNING & WEALTH MANAGEMENT | $682,896 | 43,004 | 2.17% | Shares |
| VISTA INVESTMENT PARTNERS II, LLC | $636,821 | 40,102 | 2.02% | Shares |
| Oppenheimer & Close, LLC | $635,200 | 40,000 | 2.01% | Shares |
| Minerva Advisors LLC | $479,957 | 30,224 | 1.52% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $442,417 | 27,860 | 1.40% | Shares |
| SeaCrest Wealth Management, LLC | $410,546 | 25,853 | 1.30% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $399,715 | 25,171 | 1.27% | Shares |
| FIRST FINANCIAL BANK - TRUST DIVISION | $394,761 | 24,859 | 1.25% | Shares |
| CITADEL ADVISORS LLC | $331,860 | 20,898 | 1.05% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $329,012 | 20,719 | 1.04% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $325,079 | 20,471 | 1.03% | Shares |
| BEESE FULMER INVESTMENT MANAGEMENT, INC. | $258,653 | 16,288 | 0.82% | Shares |
| SEI INVESTMENTS CO | $221,685 | 13,960 | 0.70% | Shares |
| Nuveen, LLC | $221,685 | 13,960 | 0.70% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $179,444 | 11,300 | 0.57% | Shares |
| BARCLAYS PLC | $165,025 | 10,392 | 0.52% | Shares |
| HBK Sorce Advisory LLC | $158,900 | 10,000 | 0.50% | Shares |
| ALLIANCEBERNSTEIN L.P. | $145,783 | 10,743 | 0.46% | Shares |
| DEUTSCHE BANK AG\ | $132,058 | 8,316 | 0.42% | Shares |
| PNC Financial Services Group, Inc. | $113,447 | 7,144 | 0.36% | Shares |
| Bank of New York Mellon Corp | $108,969 | 6,862 | 0.35% | Shares |
| RHUMBLINE ADVISERS | $103,215 | 6,500 | 0.33% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $88,928 | 5,600 | 0.28% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $62,265 | 3,921 | 0.20% | Shares |
| Vanguard Global Advisers, LLC | $61,074 | 3,846 | 0.19% | Shares |
| Ameritas Advisory Services, LLC | $56,120 | 3,534 | 0.18% | Shares |
| CITIGROUP INC | $54,945 | 3,460 | 0.17% | Shares |
| Allworth Financial LP | $51,293 | 3,230 | 0.16% | Shares |
| BlackRock, Inc. | $42,018 | 2,646 | 0.13% | Shares |
| Police & Firemen's Retirement System of New Jersey | $33,793 | 2,128 | 0.11% | Shares |
| NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO | $31,172 | 1,963 | 0.10% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $28,584 | 1,800 | 0.09% | Shares |
| Tower Research Capital LLC (TRC) | $23,455 | 1,477 | 0.07% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $22,328 | 1,406 | 0.07% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $19,834 | 1,249 | 0.06% | Shares |
| NORTHERN TRUST CORP | $18,500 | 1,165 | 0.06% | Shares |
| Russell Investments Group, Ltd. | $17,218 | 1,084 | 0.05% | Shares |
| FMR LLC | $15,102 | 951 | 0.05% | Shares |
| Ameritas Investment Partners, Inc. | $14,768 | 930 | 0.05% | Shares |
| Legal & General Group Plc | $13,053 | 822 | 0.04% | Shares |
| MORGAN STANLEY | $10,179 | 641 | 0.03% | Shares |
| MARSHALL WACE, LLP | $10,131 | 638 | 0.03% | Shares |
| Arax Advisory Partners | $7,178 | 452 | 0.02% | Shares |
| WELLS FARGO & COMPANY/MN | $6,241 | 393 | 0.02% | Shares |
| UBS Group AG | $5,780 | 364 | 0.02% | Shares |
| GAMMA Investing LLC | $4,478 | 282 | 0.01% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $4,323 | 267 | 0.01% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $4,057 | 299 | 0.01% | Shares |
| Integrated Wealth Concepts LLC | $4,053 | 255 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $4,000 | 272 | 0.01% | Shares |
| CWM, LLC | $3,474 | 256 | 0.01% | Shares |
| Sterling Capital Management LLC | $2,287 | 144 | 0.01% | Shares |
| Essential Partners LLC | $1,318 | 83 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $1,131 | 70 | 0.00% | Shares |
| IFP Advisors, Inc | $1,064 | 67 | 0.00% | Shares |
| Cornerstone Planning Group LLC | $565 | 37 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $349 | 22 | 0.00% | Shares |
| Farther Finance Advisors, LLC | $255 | 16 | 0.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $175 | 11 | 0.00% | Shares |
| True Wealth Design, LLC | $159 | 10 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $95 | 6 | 0.00% | Shares |
| SJS Investment Consulting Inc. | $48 | 3 | 0.00% | Shares |
| Wealth Enhancement Trust Services, Inc. | $48 | 3 | 0.00% | Shares |
| Capital Advisors, Ltd. LLC | $19 | 1,184 | 0.00% | Shares |
| Caitong International Asset Management Co., Ltd | $16 | 1 | 0.00% | Shares |
| Sunbelt Securities, Inc. | $14 | 1 | 0.00% | Shares |
| Covestor Ltd | $0 | 17 | 0.00% | Shares |
Company insiders 24 insiders · 11 officers · 12 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Garry D. Kleer | President, CEO | Oct. 1, 2020 A | 116,570 | 0 | 0 | $0 |
| Donald A Benziger | EVP, Chief Financial Officer | Oct. 1, 2020 A | 43,385 | 0 | 0 | $0 |
| Dean W. Weinert | President, Mutual Federal | Oct. 1, 2020 A | 57,053 | 0 | 0 | $0 |
| Chad Kozuch | Chief Risk Officer | July 1, 2026 A | 73,009 | 0 | 0 | $0 |
| Carroll Ann Valentino | Chief Operations Officer | July 1, 2026 A | 6,256 | 0 | 0 | $0 |
| Alan M. Spears | Senior Vice President, Trust | Oct. 1, 2020 A | 17,232 | 0 | 0 | $0 |
| Albert E. Fullerton Jr. | SVP, Chief Information Officer | Oct. 1, 2020 A | 18,232 | 0 | 0 | $0 |
| Pamela S. Stoops | SVP, Retail Lending Manager | Oct. 1, 2020 A | 24,932 | 0 | 0 | $0 |
| Beth A. Brittenham | SVP, HR Director | Oct. 1, 2020 A | 26,643 | 0 | 0 | $0 |
| Paul J. Witte | SVP Commercial Lending Manager | Oct. 1, 2020 A | 32,053 | 0 | 0 | $0 |
| Cathy J. Hays | SVP, Chief Audit Executive | Oct. 1, 2020 A | 16,732 | 0 | 0 | $0 |
| James Dalton Moore | Director | July 1, 2026 A | 6,800 | 0 | 0 | $0 |
| Thomas D. Crawford | Director | July 1, 2026 A | 23,776 | 0 | 0 | $0 |
| Daniel J. Lahrman | Director | July 1, 2026 A | 55,002 | 0 | 0 | $0 |
| Barbara A Cutillo | Director | July 1, 2026 A | 2,980 | 0 | 0 | $0 |
| Christopher D Cook | Director | July 1, 2026 A | 26,186 | 0 | 0 | $0 |
| Michael E. Blum | Director | June 2, 2026 M | 47,685 | 1 | 0 | $21,532 |
| Harold T. Hanley III | Director | Sept. 2, 2021 P | 27,585 | 0 | 0 | $0 |
| Lindley S. Mann | Director | Oct. 1, 2020 A | 47,585 | 0 | 0 | $0 |
| Ray W. Stevens III | Director | Oct. 1, 2020 A | 32,585 | 0 | 0 | $0 |
| Kathryn Cruz-Uribe | Director | Oct. 1, 2020 A | 47,585 | 0 | 0 | $0 |
| Lynn M. Wetzel | Director | Oct. 1, 2020 A | 52,974 | 0 | 0 | $0 |
| Jeffrey A. Jackson | — | Aug. 10, 2026 P | 49,125 | 1 | 0 | $39,800 |
| Robin S. Weinert | — | Oct. 1, 2020 A | 46,232 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 24 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| RSSL · Global X Funds | 0.00% | 3,703 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.00% | 388 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 304 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 306 NS | May 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 5,575 NS | April 30, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 3,013 NS | April 30, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 8 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 3,570 NS | April 30, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 5,489 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,806 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 8 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 12 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| IWN · iShares Trust | — | — | Aug. 17, 2026 | Daily |
| IWO · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWM · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWC · iShares Trust | — | — | Aug. 18, 2026 | Daily |