MARKET WIRETradingView • 1d ago
Richmond Mutual Bancorporation, Inc. Estimates – NASDAQ:RMBITradingView report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
Why RMBI Stock slipped -0.44% Today — RQD Quant Desk Flash
$15.79 -0.44% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $15.75
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
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Click Any Pre-Computed AI Quant Specialist Briefing on RMBI Below — or Connect Your Own ChatGPT / Claude
🤖 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 $15.79 (-0.44% 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:
EXT / AFTER-HRS: $15.75 (-0.27%)🧬 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
Quant Analyst Panel 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 RQD RADARRw C · Rk C
Each axis scored 0–20
12M PRICE TARGET CONE+3.2% Base Target
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)Grade C$15.37+1.3% Next Q
57
Q2 (-2Q)Grade C$15.57+1.9% Next Q
60
Q3 (-1Q)Grade C+$15.86-0.4% Next Q
62
CurrentGrade C$15.79+1.3% Hist 90D α
65
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
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 ($16.29) toward Bear Floor ($12.71).
🎲 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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why RMBI Stock slipped -0.44% Today — RQD Quant Desk Flash
Richmond Mutual Bancorporation Inc. (RMBI) slipped -0.44% to $15.79, trading at 79% 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.
- ▸Technical Tape: Trading at 79% of its 52-week range ($12.77 – $16.59) with RSI-14 at 59.1 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.4% around $15.79 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $14.6M annual free cash flow.
Live RMBI Headlines & Catalysts
MARKET WIREQuantisnow • 1d ago
RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES 2026 THIRD QUARTER FINANCIAL RESULTSQuantisnow report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
CATALYSTMarketBeat • 1d ago
Richmond Mutual Bancorporation (NASDAQ:RMBI) Raised to Hold at Wall Street ZenMarketBeat report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
MARKET WIREQuiver Quantitative • 1d ago
Richmond Mutual Reports $1.75 Million Third-Quarter 2026 Net IncomeQuiver Quantitative report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
MARKET WIREMarketBeat • 1d ago
Richmond Mutual Bancorporation Q3 2026 Earnings Results and ReportMarketBeat report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
MARKET WIREhttps://www.dars.gov.et/ • 1d ago
RMBI Edges Lower: Richmond Mutual Bancorporation Slips 0.26% to $15.32 - Breakout Confirmationhttps://www.dars.gov.et/ report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
CATALYSThttps://www.siam.in/ • 1d ago
Richmond (RMBI) Stock Screener: +1.83% Rally, Volume Above Average 2026-10-21 - MFI Overboughthttps://www.siam.in/ report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
MARKET WIREwww.dars.gov.et • 2d ago
RMBI Q1 2026 Earnings: EPS of $0.28 as Shares Slip Modestly - Pre-Announcement Alertwww.dars.gov.et report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (RMBI Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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RMBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.22%▲ ASCENDING TRIANGLE
2026-11-03O $15.86H $15.86L $15.79C $15.79VOL 30.7K
RES: $16.24SUP: $14.79SMA50: $15.61SMA200: $14.88
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
RMBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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% | -0.44% | $265.8M | Benchmark Subject |
| OVBC Ohio Valley Banc Corp. | C+ | 68/100 | 17.3x | — | 9.2% | +3.17% | $264.8M | /ovbc-vs-rmbi → |
| FXNC First National Corporation | C | 65/100 | 15.8x | — | 9.5% | +2.96% | $275.4M | /fxnc-vs-rmbi → |
| NKSH National Bankshares Inc. | C | 62/100 | 16.5x | — | 8.6% | +1.97% | $256.0M | /nksh-vs-rmbi → |
| VABK Virginia National Bankshares Corporation | B | 72/100 | 14.4x | — | 10.5% | +2.50% | $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 ENABLEDIs 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 $15.79 (-0.44% 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 $15.79 (-0.44% on volume of 40,600 shares), positioning the stock +1.15% above its 50-day simple moving average ($15.61) and +6.12% above its 200-day simple moving average ($14.88). Across its 52-week range of $12.77 to $16.59, RMBI sits at the 79.1% percentile with a 14-day RSI of 59.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($15.10 to $16.48).
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 $15.79 (-0.44% 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
🟡 MARKET WIRE TradingView • 1d ago
Richmond Mutual Bancorporation, Inc. Estimates – NASDAQ:RMBI TradingView report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Quantisnow • 1d ago
RICHMOND MUTUAL BANCORPORATION, INC. ANNOUNCES 2026 THIRD QUARTER FINANCIAL RESULTS Quantisnow report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST MarketBeat • 1d ago
Richmond Mutual Bancorporation (NASDAQ:RMBI) Raised to Hold at Wall Street Zen MarketBeat report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Quiver Quantitative • 1d ago
Richmond Mutual Reports $1.75 Million Third-Quarter 2026 Net Income Quiver Quantitative report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE MarketBeat • 1d ago
Richmond Mutual Bancorporation Q3 2026 Earnings Results and Report MarketBeat report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE https://www.dars.gov.et/ • 1d ago
RMBI Edges Lower: Richmond Mutual Bancorporation Slips 0.26% to $15.32 - Breakout Confirmation https://www.dars.gov.et/ report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST https://www.siam.in/ • 1d ago
Richmond (RMBI) Stock Screener: +1.83% Rally, Volume Above Average 2026-10-21 - MFI Overbought https://www.siam.in/ report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE www.dars.gov.et • 2d ago
RMBI Q1 2026 Earnings: EPS of $0.28 as Shares Slip Modestly - Pre-Announcement Alert www.dars.gov.et report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
RMBI Bull vs. Bear Conversation Board — What's Your Call at $15.79?
🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RMBI 🐻 33% BEARISH CONVICTION
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.