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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 81% of 52W Range • RSI-14 at 59.1 (BULLISH MOMENTUM)
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Richmond Mutual Bancorporation Inc. (RMBI) advanced +0.44% to $15.86, trading at 81% of its 52-week range ($12.77 – $16.59). Solid steady margins (8% return on capital), mixed timing at 23x P/E—hold if owned, no rush to chase.
Richmond Mutual Bancorporation, Inc., a Maryland corporation (the "Company") (NASDAQ: RMBI), parent company of First Bank Midwest, today reported net income of $1.7 million, or diluted earnings per share of $0.11, for th
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on RMBI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for RMBI. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why RMBI Stock advanced +0.44% Today — RQD Quant Desk Flash. Solid steady margins (8% return on capital), mixed timing at 23x P/E—hold if owned, no rush to chase.