Demonstrações financeiras detalhadas de Richmond Mutual Bancorporation, Inc. (RMBI): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Richmond Mutual Bancorporation, Inc. registou receitas de $90.9M no último exercício, com um CAGR de 5 anos de 12.9%. O lucro líquido atingiu $11.6M, com CAGR de 5 anos de 2.9%.
Margens dos últimos 12 meses: margem bruta 54.3%, margem operacional 16.0%, margem líquida 13.0%. O fluxo de caixa livre cresceu a CAGR de -0.1% em 5 anos.
Ao preço atual de $15.80, RMBI negocia a um P/L de 12.92 e um ROE de 8.30%. A capitalização de mercado é de $253M.
Demonstração de Resultados (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $33.0M | $39.4M | $45.2M | $49.5M | $51.2M | $56.6M | $71.8M | $85.1M | $90.9M |
| Custo da Receita | $6.6M | $9.4M | $13.8M | $13.2M | $9.1M | $10.8M | $30.3M | $42.4M | $43.8M |
| Lucro Bruto | $26.4M | $30.0M | $31.5M | $36.4M | $42.1M | $45.8M | $41.5M | $42.7M | $47.0M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $15.2M | $16.6M | $38.0M | $17.4M | $19.0M | $19.4M | $19.0M | $20.3M | $15.2M |
| Despesas Operacionais | $20.7M | $23.0M | $50.9M | $23.9M | $28.5M | $30.0M | $30.5M | $31.8M | $33.0M |
| Lucro Operacional | $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 |
| Despesas com Juros | $5.2M | $7.8M | $11.2M | $9.4M | $7.7M | $10.2M | $29.7M | $41.8M | $42.1M |
| Lucro Antes de Impostos | $5.7M | $7.0M | -$19.4M | $12.5M | $13.6M | $15.7M | $11.0M | $10.9M | $13.7M |
| Imposto | $3.0M | $1.3M | -$5.3M | $2.5M | $2.4M | $2.8M | $1.5M | $1.5M | $2.1M |
| Lucro Líquido | $2.7M | $5.7M | -$14.1M | $10.0M | $11.1M | $13.0M | $9.5M | $9.4M | $11.6M |
| LPA | $0.21 | $0.44 | $-1.27 | $0.82 | $0.98 | $1.20 | $0.91 | $0.93 | $1.20 |
| LPA Diluído | $0.21 | $0.44 | $-1.27 | $0.82 | $0.96 | $1.17 | $0.91 | $0.92 | $1.17 |
| Ações em Circulação (Diluídas) | $13.0M | $13.0M | $12.5M | $12.3M | $11.6M | $11.1M | $10.5M | $10.2M | $9.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $23.1M | $23.4M | $22.5M | $23.5M |
| Lucro Bruto | $12.3M | $13.1M | $12.1M | $12.8M |
| Lucro Operacional | $4.2M | $4.5M | $3.3M | $2.7M |
| EBITDA | $4.5M | $4.8M | $3.6M | $12.5M |
| Lucro Líquido | $3.6M | $3.4M | $2.8M | $2.2M |
| LPA | $0.37 | $0.35 | $0.29 | $0.23 |
| LPA Diluído | $0.36 | $0.35 | $0.28 | $0.22 |
Balanço (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $16.4M | $15.0M | $40.6M | $48.8M | $23.0M | $16.4M | $20.2M | $22.1M | $35.2M |
| Investimentos de Curto Prazo | $118.4M | $122.5M | $201.8M | $244.5M | $357.5M | $284.9M | $282.7M | $5.5M | $251.9M |
| Contas a Receber | $102.2M | $110.4M | $112.6M | $121.9M | $131.0M | $137.0M | $160.5M | $151.7M | $6.3M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $236.9M | $247.9M | $355.0M | $415.1M | $511.5M | $438.3M | $463.4M | $179.2M | $293.4M |
| Imobilizado | $13.6M | $14.0M | $14.1M | $14.9M | $14.3M | $13.7M | $13.3M | $12.9M | $13.4M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | $1.0M | $1.2M | $1.0M | $1.7M | $1.6M | $2.0M | $1.9M | $2.0M | $1.9M |
| Ativos Totais | $753.6M | $849.6M | $986.0M | $1.08B | $1.27B | $1.33B | $1.46B | $1.50B | $1.53B |
| Contas a Pagar | $237693 | $550749 | $296774 | $222118 | $258032 | $1.4M | $4.4M | $4.8M | $3.5M |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $560.6M | $621.2M | $617.5M | $693.3M | $900.4M | $1.01B | $1.05B | $1.10B | $1.12B |
| Dívida de Longo Prazo | $104.0M | $136.1M | $154.0M | $170.0M | $180.0M | $180.0M | $271.0M | $265.0M | $252.0M |
| Passivos Totais | $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 |
| Patrimônio Líquido | $81.8M | $85.9M | $187.8M | $192.7M | $180.5M | $132.4M | $134.9M | $132.9M | $145.8M |
| Dívida Total | $104.0M | $136.1M | $154.0M | $170.0M | $180.0M | $180.0M | $271.0M | $265.0M | $252.0M |
| Dívida Líquida | -$30.7M | -$1.4M | -$88.4M | -$123.3M | -$200.6M | -$121.3M | -$31.9M | $237.5M | -$35.1M |
| Capital de Giro | -$323.7M | -$373.3M | -$262.5M | -$278.1M | -$388.9M | -$568.3M | -$582.1M | -$919.6M | -$824.9M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $34.3M | $35.2M | $37.6M | $34.7M |
| Ativos Totais | $1.53B | $1.53B | $1.52B | $1.55B |
| Passivos Totais | $1.39B | $1.38B | $1.37B | $1.40B |
| Patrimônio Líquido | $140.0M | $145.8M | $144.9M | $148.3M |
| Dívida Total | $254.0M | $252.0M | $256.0M | $244.0M |
Fluxo de Caixa (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $2.7M | $5.7M | -$14.1M | $10.0M | $11.1M | $13.0M | $9.5M | $9.4M | $11.6M |
| Depreciação e Amortização | $1.2M | $1.1M | $1.1M | $1.5M | $1.5M | $1.3M | $1.2M | $1.0M | $1.1M |
| Compensação em Ações | 0 | 0 | $316131 | $1.5M | $2.6M | $2.3M | $2.2M | $2.1M | $1.6M |
| Variação Capital de Giro | -$1.3M | -$956243 | $1.9M | $826258 | -$6.5M | $733870 | -$1.9M | $1.6M | $454949 |
| Fluxo de Caixa Operacional | $6.2M | $8.5M | $10.1M | $16.6M | -$9.6M | $18.2M | $12.1M | $14.8M | $16.0M |
| CapEx | -$534860 | -$1.3M | -$960000 | -$1.9M | -$579000 | -$385099 | -$619000 | -$460380 | -$1.4M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | -$7000 | 0 | -$9.1M | -$11.9M | -$9.9M | -$6.3M | -$5.0M | -$5.6M |
| Dividendos Pagos | 0 | -$500000 | 0 | -$1.8M | -$9.3M | -$4.4M | -$5.9M | -$5.7M | -$5.8M |
| Fluxo de Caixa Livre | $5.7M | $7.1M | $9.1M | $14.7M | -$10.2M | $17.8M | $11.5M | $14.3M | $14.6M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $6.3M | $2.7M | $2.8M | $3.0M |
| CapEx | -$461788 | -$196653 | -$324561 | -$290209 |
| Fluxo de Caixa Livre | $5.8M | $2.5M | $2.5M | $2.7M |
| Dividendos Pagos | -$1.4M | -$1.5M | -$1.5M | -$1.5M |
| Compensação em Ações | $222143 | $245199 | $275244 | $286824 |
Crescimento e Margens (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +19.2% | +14.9% | +9.5% | +3.4% | +10.5% | +26.9% | +18.4% | +6.9% |
| Crescimento Lucro Líquido (anual) | | +109.1% | -348.0% | +171.1% | +11.2% | +16.3% | -26.8% | -1.2% | +23.4% |
| Crescimento LPA (anual) | | +109.5% | -388.6% | +164.6% | +19.5% | +22.4% | -24.2% | +2.2% | +29.0% |
| Variação de Ações (anual) | | +0.0% | -4.3% | -1.4% | -5.3% | -4.9% | -5.5% | -2.1% | -3.9% |
| Crescimento FCF (anual) | | +25.5% | +28.1% | +60.8% | -169.6% | +273.8% | -35.3% | +24.3% | +2.2% |
| Margem Bruta | 80.0% | 76.1% | 69.6% | 73.4% | 82.2% | 80.9% | 57.8% | 50.2% | 51.8% |
| Margem Operacional | 17.2% | 17.7% | -42.8% | 25.2% | 26.5% | 27.8% | 15.3% | 12.8% | 15.5% |
| Margem EBITDA | 20.9% | 20.5% | -40.4% | 28.2% | 29.5% | 30.1% | 17.0% | 14.0% | 16.4% |
| Margem Líquida | 8.2% | 14.4% | -31.1% | 20.2% | 21.8% | 22.9% | 13.2% | 11.0% | 12.7% |
| Margem FCF | 17.2% | 18.1% | 20.2% | 29.7% | -20.0% | 31.4% | 16.0% | 16.8% | 16.1% |
| Taxa Efetiva de Imposto | 52.3% | 18.4% | 27.3% | 19.8% | 17.9% | 17.7% | 13.8% | 13.7% | 15.2% |
Dados por Ação (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.44 | $0.55 | $0.73 | $1.20 | $-0.88 | $1.61 | $1.10 | $1.40 | $1.49 |
| Dividendo por Ação | $0.00 | $0.04 | $0.00 | $0.15 | $0.80 | $0.40 | $0.57 | $0.56 | $0.59 |
| Ações em Circulação (Básicas) | $13.0M | $13.0M | $12.5M | $12.3M | $11.4M | $10.8M | $10.4M | $10.1M | $9.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 8.30% |
| Retorno sobre capital investido | 3.08% |
| Retorno sobre ativos | 0.77% |
| Margem bruta | 54.35% |
| Margem operacional | 15.98% |
| Margem líquida | 13.00% |
Saúde financeira
| Dívida / Patrimônio | 1.65 |
| Liquidez corrente | 0.25 |
| Piotroski F-Score | 9 |
| Altman Z-Score | -0.41 |
Índices Chave (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 65.00 | 31.02 | -12.57 | 16.66 | 16.38 | 10.84 | 12.65 | 15.22 | 11.70 |
| P/VP | 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 |
| Margem Bruta | 80.0% | 76.1% | 69.6% | 73.4% | 82.2% | 80.9% | 57.8% | 50.2% | 51.8% |
| Margem Operacional | 17.2% | 17.7% | -42.8% | 25.2% | 26.5% | 27.8% | 15.3% | 12.8% | 15.5% |
| Margem Líquida | 8.2% | 14.4% | -31.1% | 20.2% | 21.8% | 22.9% | 13.2% | 11.0% | 12.7% |