Stock Ratings / Financials / RMBI / financials

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Richmond Mutual Bancorporation Inc. (RMBI) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$15.86 +0.44% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.84

Richmond Mutual Bancorporation Inc. (RMBI) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $265.8M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $15.84 (-0.11%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RMBI)Realized 20D OHLCV Swing Band: ±4.7%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY RMBI SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 81% of 52W Range • RSI-14 at 59.1 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$15.32+0.1% Next Q

Q2 (-2Q)

Grade C+$15.34+3.7% Next Q

Q3 (-1Q)

Grade C+$15.90-0.3% Next Q

Current

Grade C+$15.86+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RMBI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, RMBI faces multiple-compression risk if 23.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($15.61) or 200D SMA ($14.86) invalidates the momentum regime and cuts Target Base ($16.50) toward Bear Floor ($12.87).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RMBI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “RMBI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How RMBI Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$14.6M (0.4% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$11.6M	$14.6M	7.9%
FY 2024	$4.00B	52%	0%	$9.4M	$14.3M	7.9%
FY 2023	$4.00B	52%	0%	$9.5M	$12.1M	7.9%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring RMBI)

✓Walkthrough of RMBI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

RMBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.25%▲ ASCENDING TRIANGLE

2026-10-30O $15.87H $15.91L $15.79C $15.86VOL 30.7K

RES: $16.24SUP: $14.77SMA50: $15.61SMA200: $14.86

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RMBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RMBI Butterfly Map → + Track RMBI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

16.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RMBI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RMBI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RMBI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RMBI)

Financials Rank #261 of 1096 ⚔️ OVBC vs RMBI Full Matrix →

1. Head-to-Head Financials Peer Comparison (RMBI vs. OVBC, NKSH, VABK, FXNC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Richmond Mutual Bancorporation Inc. (RMBI) ranks #261 by composite RQD confidence (67/100, grade C+) and #841 by equity capitalization ($265.8M). Within this direct 5-issuer industry benchmark cohort, VABK leads on earnings valuation at 14.4x trailing P/E, while VABK leads on capital efficiency and profitability with 10.5% ROIC and — gross margin. VABK currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with RMBI at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
RMBI ACTIVE Richmond Mutual Bancorporation Inc.	C+	67/100	23.0x	—	7.9%	+0.44%	$265.8M	Benchmark Subject
OVBC Ohio Valley Banc Corp.	C+	69/100	17.3x	—	9.2%	+2.23%	$269.4M	/ovbc-vs-rmbi →
NKSH National Bankshares Inc.	C+	66/100	16.5x	—	8.6%	+0.10%	$260.9M	/nksh-vs-rmbi →
VABK Virginia National Bankshares Corporation	B-	70/100	14.4x	—	10.5%	+5.14%	$277.7M	/vabk-vs-rmbi →
FXNC First National Corporation	B-	70/100	15.8x	—	9.5%	+0.26%	$279.7M	/fxnc-vs-rmbi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001767837

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Richmond Mutual Bancorporation Inc. (RMBI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $11.6M, operating cash flow of $16.0M, and free cash flow of $14.6M (+2.2% YoY). On the balance sheet, RMBI closed FY2025 with $1.53B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$11.6M	$16.0M	$14.6M	$1.53B	—
FY2024 (FY)	2024-12-31	$0	$9.4M	$14.8M	$14.3M	$1.50B	—
FY2023 (FY)	2023-12-31	$0	$9.5M	$12.1M	$12.1M	—	—

3. RMBI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RMBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Richmond Mutual Bancorporation Inc. (NASDAQ: RMBI) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $15.86 (+0.44% 1D, market cap $265.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, RMBI ranks #261 in composite RQD confidence.

How does RMBI compare to OVBC and NKSH in the Financials sector?

Within the Financials sector (Major Banks), RMBI carries a Roarable C+ (67/100 RQD), trailing P/E of 23.0x, gross margin of —, and ROIC of 7.9%. By comparison, OVBC (Ohio Valley Banc Corp.) holds a C+ grade (69/100 RQD, P/E 17.3x, ROIC 9.2%, cap $269.4M) and NKSH (National Bankshares Inc.) posts a C+ grade (66/100 RQD, P/E 16.5x, ROIC 8.6%, cap $260.9M). Among the 5-stock peer group, VABK leads on earnings multiple (14.4x) while VABK leads on capital efficiency (10.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RMBI?

Per RMBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001767837), Richmond Mutual Bancorporation Inc. generated $0 in revenue, $11.6M in net income, and $14.6M in free cash flow against $1.53B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RMBI trading relative to its 50-day, 200-day, and 52-week technical levels?

RMBI last traded at $15.86 (+0.44% on volume of 24,160 shares), positioning the stock +1.60% above its 50-day simple moving average ($15.61) and +6.73% above its 200-day simple moving average ($14.86). Across its 52-week range of $12.77 to $16.59, RMBI sits at the 80.9% percentile with a 14-day RSI of 59.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.7% ($15.11 to $16.61).