Richmond Mutual Bancorporation Reports Q4 2025 Net Income of $3.4 Million, EPS of $0.35
- Net Income Growth: Richmond Mutual Bancorporation reported a net income of $3.4 million for Q4 2025, reflecting a 45.8% increase compared to the same quarter in 2024, primarily driven by enhanced net interest income, indicating improved profitability in a favorable interest rate environment.
- Merger Agreement: The company has entered into a merger agreement with Farmers Bancorp valued at approximately $82 million, expected to close in Q2 2026, with Farmers Bancorp shareholders owning about 38% of the combined entity, enhancing market competitiveness.
- Interest Income Increase: Net interest income for Q4 reached $11.5 million, a 16.9% increase from Q4 2024, driven by improved asset yields and lower funding costs, further solidifying the company's financial foundation.
- Expense Management: Non-interest expenses rose by 5.6% to $8.5 million year-over-year; however, effective cost management and operational optimization have ensured sustained profitability, reflecting strong financial health.
Trade with 70% Backtested Accuracy
Analyst Views on RMBI
About RMBI
About the author

- Financial Performance: Richmond Mutual reported a Q4 GAAP EPS of $0.35 with revenues of $13.05 million, indicating stable income growth despite market challenges.
- Asset Scale: As of December 31, 2025, total assets reached $1.5 billion, maintaining stability and enhancing investor confidence through effective asset management.
- Nonperforming Loans: Nonperforming loans and leases totaled $17.4 million, or 1.46% of total loans, significantly up from $10.8 million and 0.90% in the previous quarter, reflecting increased credit risk that may impact future profitability.
- Equity Growth: Stockholders' equity totaled $145.8 million as of December 31, 2025, up from $140.0 million at the end of September 2025, demonstrating positive progress in capital accumulation.

- Net Income Growth: Richmond Mutual Bancorporation reported a net income of $3.4 million for Q4 2025, reflecting a 45.8% increase compared to the same quarter in 2024, primarily driven by enhanced net interest income, indicating improved profitability in a favorable interest rate environment.
- Merger Agreement: The company has entered into a merger agreement with Farmers Bancorp valued at approximately $82 million, expected to close in Q2 2026, with Farmers Bancorp shareholders owning about 38% of the combined entity, enhancing market competitiveness.
- Interest Income Increase: Net interest income for Q4 reached $11.5 million, a 16.9% increase from Q4 2024, driven by improved asset yields and lower funding costs, further solidifying the company's financial foundation.
- Expense Management: Non-interest expenses rose by 5.6% to $8.5 million year-over-year; however, effective cost management and operational optimization have ensured sustained profitability, reflecting strong financial health.

- Legal Investigation: Halper Sadeh LLC is investigating Gulf Island Fabrication, Inc. (NASDAQ: GIFI) regarding its sale to IES Holdings, Inc. for $12.00 per share, which may involve potential violations of federal securities laws, impacting shareholder rights.
- Shareholder Rights Protection: The law firm encourages Gulf Island shareholders to understand their rights and options, potentially seeking increased consideration for shareholders or other remedies, thereby enhancing shareholder interests in the transaction.
- Other Company Investigations: Halper Sadeh is also investigating Sealed Air Corporation (NYSE: SEE) regarding its sale to CD&R for $42.15 per share, which may affect shareholder rights, highlighting concerns over market transaction transparency.
- Merger Transaction Impact: Movano Inc. (NASDAQ: MOVE) is merging with Corvex, Inc., which will result in Movano shareholders owning approximately 3.8% of the combined company, potentially affecting shareholder control and future earnings.

Investigation of Companies: Halper Sadeh LLC is investigating Sealed Air Corporation, Movano Inc., and Richmond Mutual Bancorporation for potential violations of federal securities laws and breaches of fiduciary duties to shareholders related to their respective transactions.
Sealed Air Corporation Sale: Sealed Air is being sold to funds affiliated with CD&R for $42.15 per share, prompting an investigation into the fairness of the deal for shareholders.
Movano Inc. Merger: Movano's merger with Corvex, Inc. would result in Movano shareholders owning approximately 3.8% of the combined entity, raising concerns about shareholder rights.
Richmond Mutual Bancorporation Merger: Richmond's merger with The Farmers Bancorp will allow Richmond shareholders to own about 62% of the new company, and the firm is advocating for increased consideration and disclosures for shareholders.

Sealed Air Corporation Investigation: Sealed Air is set to be acquired by CD&R for $42.15 per share, with an investigation into whether the Board breached fiduciary duties by not ensuring a fair process and fair value for shareholders.
Movano Inc. Acquisition Inquiry: Movano will be acquired by Corvex, with pre-Merger Corvex stockholders owning 96.2% of the combined company; an investigation is underway regarding the Board's fiduciary duties and the fairness of the deal for shareholders.
Gulf Island Inc. Merger Scrutiny: Gulf Island is being acquired by IES Holdings for $12.00 per share, prompting an investigation into potential breaches of fiduciary duties by the Board concerning the fairness of the transaction for shareholders.
Richmond Mutual Bancorporation Acquisition Review: Richmond Mutual will merge with Farmers Bancorp in an all-stock deal valued at approximately $82 million, with an investigation focusing on whether the Board acted in the best interests of shareholders during the process.

- Shareholder Rights Investigation: Halper Sadeh LLC is investigating Gulf Island Fabrication, Inc. (NASDAQ:GIFI) regarding its sale to IES Holdings, Inc. for $12.00 per share in cash, potentially violating shareholder rights, prompting shareholders to act swiftly to protect their interests.
- Merger Transaction Impact: This transaction will affect GIFI shareholders' equity, necessitating an understanding of the deal's details and its potential implications for future investments to make informed decisions.
- Legal Support Offered: Halper Sadeh LLC provides free legal consultations to assist shareholders in understanding their rights and options, ensuring they receive fair compensation in the transaction.
- Commitment to Investor Protection: The firm is dedicated to protecting investors globally, having successfully implemented corporate reforms and recovered millions for defrauded investors, showcasing its expertise in securities fraud cases.






