RMBI Richmond Mutual Bancorporation, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 13, 2026
$15.44
· of 52w range
· above low
· to high
$12.7752w low
$16.5952w high
Market Cap (MRQ)
$162M
P/E
13.2
EPS
$1.17
your badges
52W Range
$13–$17
Analyst Rating
·
Price Target
·
P/E
13.2
ROE
8.3%
Net Profit Margin
23.7%
Your badge strip is empty — pin a metric anywhere on this page.
RMBI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$15.44
Market Cap (MRQ)
$162M
P/E
13.2
EPS
$1.17
Div Yield
3.6%
ROE
8.3%
52W Range
$13–$17
RMBI Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
range
bars
Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.
10-Year Performance Revenue, net income, margins and EPS trends
EPS$1.172019-12-31 → 2025-12-31
Free Cash Flow$15M2019-12-31 → 2025-12-31
Net margin23.7%2019-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | RMBI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 13.25Y avg ≈13.6 | ≈13.6 | 11.9 | Overvalued | |
| P/S | 3.35Y avg ≈3.5 | ≈3.5 | · | · | |
| P/B (MRQ) | 1.15Y avg ≈1.1 | ≈1.1 | 1.1 | Fair value | |
| Price / FCF (TTM) | 12.05Y avg ≈4.2 | ≈4.2 | · | · | |
| Price / Cash Flow (TTM) | 11.05Y avg ≈3.6 | ≈3.6 | 9.2 | Fair value | |
| Price / Tangible Book | 1.15Y avg ≈1.1 | ≈1.1 | · | · | |
| PEG Ratio | ≈1.8 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | RMBI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 27.9% | · | 26.7% | In line | |
| Net Profit Margin | 23.7%5Y avg ≈24.2% | ≈24.2% | 17.9% | In line | |
| ROA | 0.76%5Y avg ≈0.80% | ≈0.80% | 0.60% | Top tier | |
| ROE | 8.3%5Y avg ≈7.3% | ≈7.3% | 6.3% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | RMBI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 12.5%5Y avg ≈4.2% | ≈4.2% | · | · | |
| Revenue CAGR 3Y | 1.7%5Y avg ≈1.1% | ≈1.1% | · | · | |
| Revenue CAGR 5Y | 4.0% | · | · | · | |
| EPS YoY | 27.2%5Y avg ≈9.0% | ≈9.0% | · | · | |
| Net Income YoY | 23.4%5Y avg ≈4.6% | ≈4.6% | · | · | |
| EPS CAGR 3Y | 0.00%5Y avg ≈0.71% | ≈0.71% | · | · | |
| EPS CAGR 5Y | 7.4% | · | · | · | |
| Net Income CAGR 3Y | -3.7%5Y avg ≈-3.7% | ≈-3.7% | · | · | |
| Net Income CAGR 5Y | 2.9% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | RMBI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield3.6%
Payout Ratio50.4%
Annualized Payout≈$0.60
Growth Streak≈1
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 3, 2026 | $0.15 | USD | ≈3.8% |
| Jun 3, 2026 | $0.15 | USD | ≈4.2% |
| Feb 25, 2026 | $0.15 | USD | ≈4.2% |
| Dec 4, 2025 | $0.15 | USD | ≈4.3% |
| Sep 4, 2025 | $0.15 | USD | ≈4.0% |
| Jun 5, 2025 | $0.15 | USD | ≈4.5% |
| Feb 26, 2025 | $0.15 | USD | ≈4.5% |
| Dec 5, 2024 | $0.14 | USD | ≈3.8% |
| Sep 4, 2024 | $0.14 | USD | ≈4.4% |
| May 30, 2024 | $0.14 | USD | ≈5.1% |
| Mar 1, 2024 | $0.14 | USD | ≈4.8% |
| Nov 29, 2023 | $0.14 | USD | ≈5.0% |
| Aug 30, 2023 | $0.14 | USD | ≈4.6% |
| May 31, 2023 | $0.14 | USD | ≈4.3% |
| Mar 3, 2023 | $0.14 | USD | ≈3.4% |
| Nov 30, 2022 | $0.10 | USD | ≈3.1% |
| Aug 31, 2022 | $0.10 | USD | ≈2.6% |
| Jun 1, 2022 | $0.10 | USD | ≈2.3% |
| Mar 2, 2022 | $0.10 | USD | ≈4.6% |
| Dec 1, 2021 | $0.07 | USD | ≈4.9% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 15, 2026
| Period | Report | 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 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| 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
| 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
| 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
| 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
| 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 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $13.88 | $12.29 | $12.03 | $11.28 | $14.55 | $14.61 | $13.88 | · | |
| Revenue / Share | $4.94 | $4.25 | $4.04 | $4.21 | $3.75 | $3.28 | · | · | |
| Cash Flow / Share | $1.61 | $1.44 | $1.16 | $1.64 | $-0.83 | $1.35 | · | · | |
| Cash / Share | $3.15 | $2.01 | $1.81 | $1.35 | $1.86 | $3.70 | $3.00 | · | |
| Dividend / Share | $0.60 | $0.56 | $0.56 | $0.40 | $0.78 | $0.15 | · | · | |
| EPS (TTM) | $1.17 | $0.92 | $0.91 | $1.17 | $0.96 | $0.82 | $-1.27 | · |
Growth Rates
| 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% | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 26.0% | · | · | · | · | · | · | · |
Valuation (TTM)
| 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
| 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 | · | 10,420,613 | 10,416,086 | 10,712,912 | · | 10,986,327 | 11,062,323 | 11,170,354 | · | 11,403,229 | 11,546,999 | 11,758,118 | · | 11,823,889 | |
| Shares (Diluted) | 9,913,357 | 9,860,105 | · | 9,893,853 | 9,844,872 | 10,084,297 | · | 10,216,394 | 10,178,269 | 10,229,680 | · | 10,382,159 | 10,475,544 | 10,735,777 | · | 10,835,617 |
Balance Sheet
| 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
| 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
| 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
| 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 |
Per Share
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $14.11 | $13.80 | · | $13.43 | $12.74 | $12.48 | · | $12.79 | $11.90 | $11.91 | · | $10.50 | $11.43 | $11.65 | · | $10.59 | |
| Revenue / Share | $1.38 | $1.29 | · | $1.27 | $1.20 | $1.13 | · | $1.05 | $1.05 | $1.07 | · | $0.99 | $1.00 | $1.02 | · | $1.08 | |
| Cash Flow / Share | · | $0.28 | · | · | · | $0.22 | · | · | · | $0.21 | · | · | · | $0.33 | · | · | |
| Cash / Share | $3.31 | $3.31 | · | $3.29 | $2.62 | $2.58 | · | $1.79 | $1.73 | $1.83 | · | $1.83 | $1.53 | $1.49 | · | $1.64 | |
| Dividend / Share | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.15 | $0.14 | $0.14 | $0.14 | $0.14 | $0.14 | $0.14 | $0.14 | $0.14 | $0.10 | $0.10 | |
| EPS (TTM) | $1.21 | $1.25 | · | $1.07 | $0.95 | $0.89 | · | $0.86 | $0.81 | $0.87 | · | $1.03 | $1.13 | $1.18 | · | $1.09 |
Valuation (TTM)
| 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 | $52M | $50M | · | $47M | $45M | $44M | · | $43M | $42M | $42M | · | $44M | $45M | $46M | · | $46M | |
| Net Income TTM | $12M | $12M | · | $11M | $10M | $9M | · | $9M | $8M | $9M | · | $11M | $12M | $13M | · | $12M | |
| Market Cap | $167M | $143M | · | $148M | $143M | $134M | · | $141M | $129M | $124M | · | $126M | $126M | $121M | · | $159M | |
| P/E | 13.1 | 10.9 | · | 13.3 | 14.5 | 14.4 | · | 15.0 | 14.5 | 12.8 | · | 10.8 | 9.8 | 8.8 | · | 12.3 | |
| P/S | 3.2 | 2.8 | · | 3.2 | 3.2 | 3.1 | · | 3.3 | 3.0 | 2.9 | · | 2.9 | 2.8 | 2.6 | · | 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 | · | · | |
| Dividend Yield | 3.5% | 4.1% | · | 3.9% | 4.0% | 4.3% | · | 4.1% | 4.5% | 4.7% | · | 4.4% | 4.1% | 4.0% | · | 2.6% | |
| Earnings Yield | 7.6% | 9.2% | · | 7.5% | 6.9% | 7.0% | · | 6.7% | 6.9% | 7.8% | · | 9.2% | 10.2% | 11.4% | · | 8.1% | |
| Payout Ratio | · | 52.6% | · | · | · | 75.8% | · | · | · | 60.7% | · | · | · | 52.3% | · | · | |
| Annual Payout | $6M | $6M | · | $6M | $6M | $6M | · | $6M | $6M | $6M | · | $6M | $5M | $5M | · | $4M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 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 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $15M | $14M | $11M | $18M | $-10M |
Institutional owners (13F) 80 filers · $52.4M total · As of Sept. 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.
Holders
80
Value held
$52.4M
New positions
17
Exited positions
6
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 17 (+9 vs prior Q) | 6 (+3 vs prior Q) | 29 (+17 vs prior Q) | 11 (-16 vs prior Q) | +403K |
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 |
|---|---|---|---|---|
| BlackRock, Inc. | $8,749,276 | 550,962 | 16.68% | Shares |
| VANGUARD GROUP INC | $7,855,829 | 559,532 | 14.98% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $5,738,794 | 361,385 | 10.94% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $3,427,830 | 215,781 | 6.54% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $2,415,977 | 152,116 | 4.61% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2,397,022 | 150,946 | 4.57% | Shares |
| STIFEL FINANCIAL CORP | $2,103,530 | 132,464 | 4.01% | Shares |
| STATE STREET CORP | $1,837,364 | 115,703 | 3.50% | Shares |
| MORGAN STANLEY | $1,364,935 | 85,952 | 2.60% | Shares |
| Keeley-Teton Advisors, LLC | $1,179,773 | 92,170 | 2.25% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,145,615 | 72,142 | 2.18% | Shares |
| NORTHERN TRUST CORP | $1,016,113 | 63,987 | 1.94% | Shares |
| PL Capital Advisors, LLC | $980,098 | 61,719 | 1.87% | Shares |
| Sanctuary Advisors, LLC | $947,000 | 59,635 | 1.81% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $906,018 | 57,054 | 1.73% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $877,799 | 55,277 | 1.67% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $875,305 | 55,120 | 1.67% | Shares |
| KEELER & NADLER FINANCIAL PLANNING & WEALTH MANAGEMENT | $682,896 | 43,004 | 1.30% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $674,446 | 42,471 | 1.29% | Shares |
| VISTA INVESTMENT PARTNERS II, LLC | $636,821 | 40,102 | 1.21% | Shares |
| Oppenheimer & Close, LLC | $635,200 | 40,000 | 1.21% | Shares |
| Minerva Advisors LLC | $479,957 | 30,224 | 0.92% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $442,417 | 27,860 | 0.84% | Shares |
| SeaCrest Wealth Management, LLC | $410,546 | 25,853 | 0.78% | Shares |
| Nuveen, LLC | $409,275 | 25,773 | 0.78% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $399,715 | 25,171 | 0.76% | Shares |
| CITADEL ADVISORS LLC | $350,106 | 22,047 | 0.67% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $329,012 | 20,719 | 0.63% | Shares |
| Bank of New York Mellon Corp | $313,781 | 19,759 | 0.60% | Shares |
| FIRST FINANCIAL BANK - TRUST DIVISION | $305,076 | 20,530 | 0.58% | Shares |
| BEESE FULMER INVESTMENT MANAGEMENT, INC. | $258,653 | 16,288 | 0.49% | Shares |
| SEI INVESTMENTS CO | $221,685 | 13,960 | 0.42% | Shares |
| MARSHALL WACE, LLP | $187,431 | 11,803 | 0.36% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $179,444 | 11,300 | 0.34% | Shares |
| BARCLAYS PLC | $168,312 | 10,599 | 0.32% | Shares |
| HBK Sorce Advisory LLC | $158,900 | 10,000 | 0.30% | Shares |
| ALLIANCEBERNSTEIN L.P. | $145,783 | 10,743 | 0.28% | Shares |
| DEUTSCHE BANK AG\ | $132,058 | 8,316 | 0.25% | Shares |
| WELLS FARGO & COMPANY/MN | $114,029 | 7,181 | 0.22% | Shares |
| PNC Financial Services Group, Inc. | $113,447 | 7,144 | 0.22% | Shares |
| RHUMBLINE ADVISERS | $103,215 | 6,500 | 0.20% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $88,928 | 5,600 | 0.17% | Shares |
| Russell Investments Group, Ltd. | $81,817 | 5,152 | 0.16% | Shares |
| CITIGROUP INC | $62,742 | 3,951 | 0.12% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $62,265 | 3,921 | 0.12% | Shares |
| Vanguard Global Advisers, LLC | $61,074 | 3,846 | 0.12% | Shares |
| JPMORGAN CHASE & CO | $58,787 | 3,640 | 0.11% | Shares |
| Ameritas Advisory Services, LLC | $56,120 | 3,534 | 0.11% | Shares |
| Allworth Financial LP | $51,293 | 3,230 | 0.10% | Shares |
| Police & Firemen's Retirement System of New Jersey | $33,793 | 2,128 | 0.06% | Shares |
Company insiders 26 insiders · 13 officers · 13 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Garry D. Kleer | President, CEO | Nov. 20, 2025 A | 167,823 | 0 | 0 | $0 |
| Bradley M. Glover | SVP & CFO | July 15, 2025 A | 36,317 | 0 | 0 | $0 |
| Donald A Benziger | EVP, Chief Financial Officer | March 7, 2023 S | 35,771 | 0 | 0 | $0 |
| William A. Daily Jr. | Market President (West Ohio) | Feb. 19, 2026 P | 845 | 3 | 0 | $12,007 |
| Paul J. Witte | President & COO | July 15, 2025 A | 40,000 | 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 |
| Cathy J. Hays | SVP, Chief Audit Executive | Oct. 1, 2020 A | 16,732 | 0 | 0 | $0 |
| Jeffrey A. Jackson | Director | Aug. 10, 2026 P | 49,125 | 1 | 0 | $39,800 |
| 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 | $21,540 |
| Lynn M. Wetzel | Director | May 2, 2024 P | 62,074 | 0 | 0 | $0 |
| Harold T. Hanley III | Director | Oct. 24, 2023 P | 27,802 | 0 | 0 | $0 |
| Kathryn Cruz-Uribe | Director | Oct. 24, 2023 P | 6,000 | 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 |
| 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 20 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 |
|---|---|---|---|---|
| IWC · iShares Trust | 0.03% | 30,613 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 6,710 SH | Aug. 19, 2026 | Daily |
| RSSL · Global X Funds | 0.00% | 4,062 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.00% | 195,599 SH | Sept. 11, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.00% | 10,441 NS | July 31, 2026 | N-PORT |
| IWO · iShares Trust | 0.00% | 7,890 SH | Sept. 11, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.00% | 8,412 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 5,132 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 5,489 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,806 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 86,154 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 265,808 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.00% | 48,803 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.00% | 831 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 710 SH | Aug. 19, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 8 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 12 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 91,035 SH | Sept. 11, 2026 | Daily |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.
Your selection is saved and follows you across all tickers.
Source: SEC 10-Q filed Aug 13, 2026