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

$15.86 0.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.83

Richmond Mutual Bancorporation Inc. (RMBI) carries a Roarable Rating of C (Hold) with 65/100 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.

ROARABLE C • HOLD / WATCH Cap $265.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RMBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Richmond Mutual Bancorporation Inc. (NASDAQ: RMBI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $15.86 (0.00% 1D, market cap $265.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, RMBI ranks #251 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RMBI compare to OVBC and FXNC in the Financials sector?
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Within the Financials sector (Major Banks), RMBI carries a Roarable C (65/100 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 (68/100 RQD, P/E 17.3x, ROIC 9.2%, cap $264.8M) and FXNC (First National Corporation) posts a C grade (65/100 RQD, P/E 15.8x, ROIC 9.5%, cap $275.4M). Among the 5-stock peer group, VABK leads on earnings multiple (14.4x) while VABK leads on capital efficiency (10.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RMBI?
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Per RMBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001767837), Richmond Mutual Bancorporation Inc. generated $640.8M in revenue (+1.4% YoY), $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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $15.83 (-0.19%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510065
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 C
Cash (12)Whales (12)SEC (13)Macro (13)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+3.2% Base Target
$19 Bull$16 Base$13 Bear
📬 FREE RMBI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RMBI)Realized 20D OHLCV Swing Band: ±4.4%
Deterministic 5-Pillar Attribution (65/100 Composite)
🔍 WHY RMBI SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (23% of score)

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

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (20% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
57
Grade C$15.37+1.3% Next Q
Q2 (-2Q)
60
Grade C$15.57+1.9% Next Q
Q3 (-1Q)
62
Grade C+$15.86+0% Next Q
Current
65
Grade C$15.86+1.3% Hist 90D α
Trajectory: C (57) → C (65)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 65/100 (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 ($14.88) invalidates the momentum regime and cuts Target Base ($16.36) toward Bear Floor ($12.76).

🎲 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 65%NO 35%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 (2.3% FCF Margin)
Revenue$640.8MGross Profit $333.2M (52%)Cost of Sales $307.6MOp Profit $0 (0%)OpEx (R&D/SG&A) $333.2MNet Profit$11.6M (1.8%)Tax/Other $0

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

■ Revenue■ Net Profit■ Free Cash Flow
FY23
Rev $47.8M
FY24
Rev $632.0M
FY25
Rev $640.8M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$640.8M52%0%$11.6M$14.6M7.9%
FY 2024$632.0M52%0%$9.4M$14.3M7.9%
FY 2023$47.8M44.4%0%$9.5M$12.1M7.9%
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
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RMBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.69%▲ ASCENDING TRIANGLE
2026-11-03O $15.86H $15.86L $15.86C $15.86VOL 30.7K
RES: $16.24SUP: $14.79SMA50: $15.61SMA200: $14.88
$16.78$16.00$15.23$14.46$13.69RES $16.24SUP $14.79$15.862026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
16.8%/yr Implied 5Y Growth

vs. +1.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

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 #251 of 1097 ⚔️ OVBC vs RMBI Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Richmond Mutual Bancorporation Inc. (RMBI) ranks #251 by composite RQD confidence (65/100, grade C) and #838 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 72/100 (B) compared with RMBI at 65/100 (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 65/100 23.0x — 7.9% 0.00% $265.8M Benchmark Subject
OVBC
Ohio Valley Banc Corp.
C+ 68/100 17.3x — 9.2% -1.21% $264.8M /ovbc-vs-rmbi →
FXNC
First National Corporation
C 65/100 15.8x — 9.5% -1.52% $275.4M /fxnc-vs-rmbi →
NKSH
National Bankshares Inc.
C 62/100 16.5x — 8.6% -1.88% $256.0M /nksh-vs-rmbi →
VABK
Virginia National Bankshares Corporation
B 72/100 14.4x — 10.5% +0.63% $279.5M /vabk-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 $640.8M (+1.4% vs. FY2024 revenue of $632.0M , and +1239.4% cumulative change since FY2023) , 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 $640.8M $11.6M $16.0M $14.6M $1.53B —
FY2024 (FY) 2024-12-31 $632.0M $9.4M $14.8M $14.3M $1.50B —
FY2023 (FY) 2023-12-31 $47.8M $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 2026-11-03, Richmond Mutual Bancorporation Inc. (NASDAQ: RMBI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $15.86 (0.00% 1D, market cap $265.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, RMBI ranks #251 in composite RQD confidence.

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

Within the Financials sector (Major Banks), RMBI carries a Roarable C (65/100 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 (68/100 RQD, P/E 17.3x, ROIC 9.2%, cap $264.8M) and FXNC (First National Corporation) posts a C grade (65/100 RQD, P/E 15.8x, ROIC 9.5%, cap $275.4M). 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 $640.8M in revenue (+1.4% YoY), $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 (0.00% on volume of 30,733 shares), positioning the stock +1.60% above its 50-day simple moving average ($15.61) and +6.59% above its 200-day simple moving average ($14.88). 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 ±4.4% ($15.16 to $16.56).

Direct Sub-Reports: RMBI RQD Cockpit RMBI 12M Forecast RMBI Earnings & Move RMBI Dividends & DRIP RMBI Insiders & 13F RMBI Whale Options RMBI Profit Sankey RMBI News & Why
ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ SEC XBRL & RQD VERIFIED

RMBI — Richmond Mutual Bancorporation Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Richmond Mutual Bancorporation Inc. (RMBI) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $15.86 (0.00% 1D, market capitalization $265.8M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 7.9%, gross margin of —, operating margin of —, and free cash flow yield of 5.50%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Richmond Mutual Bancorporation Inc. Is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry,. The profile does not describe its products, customers, or revenue model. — for the specific product lines or customer segments.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Richmond Mutual Bancorporation Inc. (RMBI) reported $640.8M in annual revenue (up from $632.0M in FY2024, +1.4% YoY) and $11.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($47.8M revenue, $9.5M net income) through FY2025, RMBI scaled operating cash flow to $16.0M and free cash flow to $14.6M, backed by $1.53B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 65/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 5.50% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $12.77 – $16.59 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 23.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— The Butterfly Supply-Chain Graph lists no upstream or downstream links and no proprietary signals, so upstream dependencies, sector correlations, and 2nd-order bottlenecks cannot be mapped from the provided data.

  • Key Question #1: Can RMBI sustain or expand its — operating margin and 7.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $640.8M and free cash flow of $14.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is RMBI's 21.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

RMBI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Richmond Mutual Bancorporation Inc. (RMBI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RMBI Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RMBI Bull vs. Bear Conversation Board — What's Your Call at $15.86?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RMBI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on RMBI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $20.30 (+28.0%)
📌 Pinned Debate

Net income rose from $9.4M in FY 2024 to $11.6M in FY 2025 while free cash flow reached $14.6M, and insider conviction scored 15/20, th

Picked up a starter position in RMBI in my $100K Virtual Cash book at $15.86. Net income rose from $9.4M in FY 2024 to $11.6M in FY 2025 while free cash flow reached $14.6M, and insider conviction scored 15/20, the strongest pillar.. Trading inside a $12.77–$16.59 52-week range with 5.5% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

SectorRotator 🐂 BULL

@TapeReader_Pro Agree on the RQD 65/100 quality, though with 1.0 beta I'm scaling in with half-size at $15.86 and keeping dry powder in case we test $14.75.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $12.53 (-21.0%)
Spot @ $15.86

The stock trades at 23x trailing earnings and 21.4x forward earnings against a ROIC of only 7.9%, with beta of 1.0 offering no defensiv

Here is the bear case nobody on the bull side wants to address on RMBI: The stock trades at 23x trailing earnings and 21.4x forward earnings against a ROIC of only 7.9%, with beta of 1.0 offering no defensive edge and the composite score sitting at a middling 65.. At 23.0x trailing P/E, even a small guidance miss in Major Banks triggers a 12-15% air pocket.

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