$15.86

+0.01 (+0.06%)

Weekly Expected Move ±2.7%

$15 $15 $16 $16 $17

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 66 · $254.4M mcap · 13M float · 0.580% daily turnover · Short 63% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Income Trends

Revenue

$91M +6.9% ▲

5Y CAGR: +12.9%

Gross Profit

$47M +10.2% ▲

5Y CAGR: +5.3%

Operating Income

$14M +29.4% ▲

5Y CAGR: +2.4%

Net Income

$12M +23.4% ▲

5Y CAGR: +2.9%

EPS (Diluted)

$1.17 +27.2% ▲

5Y CAGR: +7.4%

EBITDA

$15M +25.0% ▲

5Y CAGR: +1.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$51M	$57M	$72M	$85M	$91M
YoY Growth	+3.4%	+10.5%	+26.9%	+18.4%	+6.9%
Cost of Revenue	$9M	$11M	$30M	$42M	$44M
Gross Profit	$42M	$46M	$42M	$43M	$47M
Gross Margin	82.2%	80.9%	57.8%	50.2%	51.8%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$19M	$19M	$19M	$20M	$15M
Operating Expenses	$29M	$30M	$31M	$32M	$33M
Operating Income	$14M	$16M	$11M	$11M	$14M
Operating Margin	26.5%	27.8%	15.3%	12.8%	15.5%
Interest Expense	$8M	$10M	$30M	$42M	$42M
Income Before Tax	$14M	$16M	$11M	$11M	$14M
Tax Expense	$2M	$3M	$2M	$1M	$2M
Net Income	$11M	$13M	$9M	$9M	$12M
Net Margin	21.8%	22.9%	13.2%	11.0%	12.7%
EPS (Diluted)	$0.96	$1.17	$0.91	$0.92	$1.17
EBITDA	$15M	$17M	$12M	$12M	$15M
Shares Outstanding	12M	11M	10M	10M	10M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$22M	$22M	$22M	$22M	$23M	$23M	$22M	$23M
Cost of Revenue	$11M	$11M	$11M	$11M	$11M	$10M	$10M	$11M
Gross Profit	$11M	$11M	$11M	$11M	$12M	$13M	$12M	$13M
Gross Margin	50.1%	49.6%	48.3%	49.4%	53.3%	55.8%	53.7%	54.6%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$5M	$5M	$5M	$5M	$5M	$0	$459M	$7M
Operating Expenses	$8M	$8M	$8M	$8M	$8M	$9M	$9M	$10M
Operating Income	$3M	$3M	$2M	$3M	$4M	$5M	$3M	$3M
Operating Margin	13.2%	13.5%	10.5%	13.3%	18.4%	19.3%	14.9%	11.3%
Interest Expense	$11M	$11M	$11M	$11M	$11M	$10M	$10M	$10M
Income Before Tax	$3M	$3M	$2M	$3M	$4M	$4M	$3M	$3M
Tax Expense	$369K	$460K	$348K	$382K	$645K	$701K	$562K	$436K
Net Income	$2M	$2M	$2M	$3M	$4M	$3M	$3M	$2M
Net Margin	11.5%	11.4%	8.9%	11.6%	15.6%	14.6%	12.4%	9.5%
EPS (Diluted)	$0.24	$0.24	$0.20	$0.26	$0.36	$0.35	$0.28	$0.22
EBITDA	$3M	$3M	$3M	$3M	$5M	$5M	$4M	$13M
Shares Outstanding	10M	10M	10M	10M	10M	10M	10M	10M

RMBI NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

Sign in to InsiderStreet