Estados financieros detallados de Richmond Mutual Bancorporation, Inc. (RMBI): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Richmond Mutual Bancorporation, Inc. registró ingresos de $90.9M en el último ejercicio fiscal, con un CAGR de 5 años del 12.9%. El beneficio neto alcanzó $11.6M, con un CAGR a 5 años del 2.9%.
Márgenes de los últimos 12 meses: margen bruto 54.3%, margen operativo 16.0%, margen neto 13.0%. El flujo de caja libre creció a un CAGR del -0.1% en 5 años.
Al precio actual de $15.80, RMBI cotiza a un P/E de 12.92 y un ROE del 8.30%. La capitalización bursátil es de $253M.
Cuenta de Resultados (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $33.0M | $39.4M | $45.2M | $49.5M | $51.2M | $56.6M | $71.8M | $85.1M | $90.9M |
| Coste de Ventas | $6.6M | $9.4M | $13.8M | $13.2M | $9.1M | $10.8M | $30.3M | $42.4M | $43.8M |
| Beneficio Bruto | $26.4M | $30.0M | $31.5M | $36.4M | $42.1M | $45.8M | $41.5M | $42.7M | $47.0M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $15.2M | $16.6M | $38.0M | $17.4M | $19.0M | $19.4M | $19.0M | $20.3M | $15.2M |
| Gastos Operativos | $20.7M | $23.0M | $50.9M | $23.9M | $28.5M | $30.0M | $30.5M | $31.8M | $33.0M |
| Beneficio Operativo | $5.7M | $7.0M | -$19.4M | $12.5M | $13.6M | $15.7M | $11.0M | $10.9M | $14.1M |
| EBITDA | $6.9M | $8.1M | -$18.3M | $14.0M | $15.1M | $17.0M | $12.2M | $11.9M | $14.9M |
| Gastos por Intereses | $5.2M | $7.8M | $11.2M | $9.4M | $7.7M | $10.2M | $29.7M | $41.8M | $42.1M |
| Beneficio Antes de Impuestos | $5.7M | $7.0M | -$19.4M | $12.5M | $13.6M | $15.7M | $11.0M | $10.9M | $13.7M |
| Impuestos | $3.0M | $1.3M | -$5.3M | $2.5M | $2.4M | $2.8M | $1.5M | $1.5M | $2.1M |
| Beneficio Neto | $2.7M | $5.7M | -$14.1M | $10.0M | $11.1M | $13.0M | $9.5M | $9.4M | $11.6M |
| BPA | $0.21 | $0.44 | $-1.27 | $0.82 | $0.98 | $1.20 | $0.91 | $0.93 | $1.20 |
| BPA Diluido | $0.21 | $0.44 | $-1.27 | $0.82 | $0.96 | $1.17 | $0.91 | $0.92 | $1.17 |
| Acciones en Circulación (Diluidas) | $13.0M | $13.0M | $12.5M | $12.3M | $11.6M | $11.1M | $10.5M | $10.2M | $9.8M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $23.1M | $23.4M | $22.5M | $23.5M |
| Beneficio Bruto | $12.3M | $13.1M | $12.1M | $12.8M |
| Beneficio Operativo | $4.2M | $4.5M | $3.3M | $2.7M |
| EBITDA | $4.5M | $4.8M | $3.6M | $12.5M |
| Beneficio Neto | $3.6M | $3.4M | $2.8M | $2.2M |
| BPA | $0.37 | $0.35 | $0.29 | $0.23 |
| BPA Diluido | $0.36 | $0.35 | $0.28 | $0.22 |
Balance (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $16.4M | $15.0M | $40.6M | $48.8M | $23.0M | $16.4M | $20.2M | $22.1M | $35.2M |
| Inversiones a Corto | $118.4M | $122.5M | $201.8M | $244.5M | $357.5M | $284.9M | $282.7M | $5.5M | $251.9M |
| Cuentas por Cobrar | $102.2M | $110.4M | $112.6M | $121.9M | $131.0M | $137.0M | $160.5M | $151.7M | $6.3M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $236.9M | $247.9M | $355.0M | $415.1M | $511.5M | $438.3M | $463.4M | $179.2M | $293.4M |
| Inmovilizado Material | $13.6M | $14.0M | $14.1M | $14.9M | $14.3M | $13.7M | $13.3M | $12.9M | $13.4M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | $1.0M | $1.2M | $1.0M | $1.7M | $1.6M | $2.0M | $1.9M | $2.0M | $1.9M |
| Activos Totales | $753.6M | $849.6M | $986.0M | $1.08B | $1.27B | $1.33B | $1.46B | $1.50B | $1.53B |
| Cuentas por Pagar | $237693 | $550749 | $296774 | $222118 | $258032 | $1.4M | $4.4M | $4.8M | $3.5M |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $560.6M | $621.2M | $617.5M | $693.3M | $900.4M | $1.01B | $1.05B | $1.10B | $1.12B |
| Deuda a Largo | $104.0M | $136.1M | $154.0M | $170.0M | $180.0M | $180.0M | $271.0M | $265.0M | $252.0M |
| Pasivos Totales | $671.8M | $763.8M | $798.3M | $891.5M | $1.09B | $1.20B | $1.33B | $1.37B | $1.38B |
| Reservas | $71.8M | $77.5M | $70.1M | $78.3M | $80.2M | $88.1M | $87.9M | $91.6M | $97.3M |
| Patrimonio Neto | $81.8M | $85.9M | $187.8M | $192.7M | $180.5M | $132.4M | $134.9M | $132.9M | $145.8M |
| Deuda Total | $104.0M | $136.1M | $154.0M | $170.0M | $180.0M | $180.0M | $271.0M | $265.0M | $252.0M |
| Deuda Neta | -$30.7M | -$1.4M | -$88.4M | -$123.3M | -$200.6M | -$121.3M | -$31.9M | $237.5M | -$35.1M |
| Capital Circulante | -$323.7M | -$373.3M | -$262.5M | -$278.1M | -$388.9M | -$568.3M | -$582.1M | -$919.6M | -$824.9M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $34.3M | $35.2M | $37.6M | $34.7M |
| Activos Totales | $1.53B | $1.53B | $1.52B | $1.55B |
| Pasivos Totales | $1.39B | $1.38B | $1.37B | $1.40B |
| Patrimonio Neto | $140.0M | $145.8M | $144.9M | $148.3M |
| Deuda Total | $254.0M | $252.0M | $256.0M | $244.0M |
Flujo de Caja (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $2.7M | $5.7M | -$14.1M | $10.0M | $11.1M | $13.0M | $9.5M | $9.4M | $11.6M |
| Amortizaciones | $1.2M | $1.1M | $1.1M | $1.5M | $1.5M | $1.3M | $1.2M | $1.0M | $1.1M |
| Compensación en Acciones | 0 | 0 | $316131 | $1.5M | $2.6M | $2.3M | $2.2M | $2.1M | $1.6M |
| Cambio en Capital Circulante | -$1.3M | -$956243 | $1.9M | $826258 | -$6.5M | $733870 | -$1.9M | $1.6M | $454949 |
| Flujo de Caja Operativo | $6.2M | $8.5M | $10.1M | $16.6M | -$9.6M | $18.2M | $12.1M | $14.8M | $16.0M |
| Inversiones (CapEx) | -$534860 | -$1.3M | -$960000 | -$1.9M | -$579000 | -$385099 | -$619000 | -$460380 | -$1.4M |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | -$7000 | 0 | -$9.1M | -$11.9M | -$9.9M | -$6.3M | -$5.0M | -$5.6M |
| Dividendos Pagados | 0 | -$500000 | 0 | -$1.8M | -$9.3M | -$4.4M | -$5.9M | -$5.7M | -$5.8M |
| Flujo de Caja Libre | $5.7M | $7.1M | $9.1M | $14.7M | -$10.2M | $17.8M | $11.5M | $14.3M | $14.6M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $6.3M | $2.7M | $2.8M | $3.0M |
| Inversiones (CapEx) | -$461788 | -$196653 | -$324561 | -$290209 |
| Flujo de Caja Libre | $5.8M | $2.5M | $2.5M | $2.7M |
| Dividendos Pagados | -$1.4M | -$1.5M | -$1.5M | -$1.5M |
| Compensación en Acciones | $222143 | $245199 | $275244 | $286824 |
Crecimiento y Márgenes (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +19.2% | +14.9% | +9.5% | +3.4% | +10.5% | +26.9% | +18.4% | +6.9% |
| Crecimiento Beneficio Neto (anual) | | +109.1% | -348.0% | +171.1% | +11.2% | +16.3% | -26.8% | -1.2% | +23.4% |
| Crecimiento BPA (anual) | | +109.5% | -388.6% | +164.6% | +19.5% | +22.4% | -24.2% | +2.2% | +29.0% |
| Cambio en Acciones (anual) | | +0.0% | -4.3% | -1.4% | -5.3% | -4.9% | -5.5% | -2.1% | -3.9% |
| Crecimiento FCF (anual) | | +25.5% | +28.1% | +60.8% | -169.6% | +273.8% | -35.3% | +24.3% | +2.2% |
| Margen Bruto | 80.0% | 76.1% | 69.6% | 73.4% | 82.2% | 80.9% | 57.8% | 50.2% | 51.8% |
| Margen Operativo | 17.2% | 17.7% | -42.8% | 25.2% | 26.5% | 27.8% | 15.3% | 12.8% | 15.5% |
| Margen EBITDA | 20.9% | 20.5% | -40.4% | 28.2% | 29.5% | 30.1% | 17.0% | 14.0% | 16.4% |
| Margen Neto | 8.2% | 14.4% | -31.1% | 20.2% | 21.8% | 22.9% | 13.2% | 11.0% | 12.7% |
| Margen FCF | 17.2% | 18.1% | 20.2% | 29.7% | -20.0% | 31.4% | 16.0% | 16.8% | 16.1% |
| Tasa Impositiva Efectiva | 52.3% | 18.4% | 27.3% | 19.8% | 17.9% | 17.7% | 13.8% | 13.7% | 15.2% |
Datos por Acción (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.44 | $0.55 | $0.73 | $1.20 | $-0.88 | $1.61 | $1.10 | $1.40 | $1.49 |
| Dividendo por Acción | $0.00 | $0.04 | $0.00 | $0.15 | $0.80 | $0.40 | $0.57 | $0.56 | $0.59 |
| Acciones en Circulación (Básicas) | $13.0M | $13.0M | $12.5M | $12.3M | $11.4M | $10.8M | $10.4M | $10.1M | $9.7M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 8.30% |
| Rentabilidad sobre capital invertido | 3.08% |
| Rentabilidad sobre activos | 0.77% |
| Margen bruto | 54.35% |
| Margen operativo | 15.98% |
| Margen neto | 13.00% |
Salud financiera
| Deuda / Patrimonio | 1.65 |
| Ratio corriente | 0.25 |
| Piotroski F-Score | 9 |
| Altman Z-Score | -0.41 |
Ratios Clave (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 65.00 | 31.02 | -12.57 | 16.66 | 16.38 | 10.84 | 12.65 | 15.22 | 11.70 |
| P/VC | 2.17 | 2.07 | 1.06 | 0.87 | 1.01 | 1.06 | 0.89 | 1.07 | 0.93 |
| P/V | 5.38 | 4.51 | 4.40 | 3.38 | 3.56 | 2.48 | 1.67 | 1.68 | 1.49 |
| Margen Bruto | 80.0% | 76.1% | 69.6% | 73.4% | 82.2% | 80.9% | 57.8% | 50.2% | 51.8% |
| Margen Operativo | 17.2% | 17.7% | -42.8% | 25.2% | 26.5% | 27.8% | 15.3% | 12.8% | 15.5% |
| Margen Neto | 8.2% | 14.4% | -31.1% | 20.2% | 21.8% | 22.9% | 13.2% | 11.0% | 12.7% |