Stock Ratings / Financials / RMBI / options

OVBC (68) FXNC (65) NKSH (62) VABK (72) ⌘ Pro Terminal →

Richmond Mutual Bancorporation Inc. (RMBI) Options Positioning, Max Pain & Unusual Sweeps

$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.

📊 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) →

ROARABLE C • HOLD / WATCH Cap $265.8M

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER 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 $15.86 (0.00% 1D, market cap $265.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, RMBI ranks #250 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 $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.

✓ 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-) • 0.4% 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

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

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

Q2 (-2Q)

Grade C$15.57+1.9% Next Q

Q3 (-1Q)

Grade C+$15.86+0% Next Q

Current

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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.4%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (RMBI)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for RMBI.

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Whale Flow & Momentum Playbook: Evaluating RMBI & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on RMBI
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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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

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 #250 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, Richmond Mutual Bancorporation Inc. (RMBI) ranks #250 by composite RQD confidence (65/100, grade C) and #837 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 $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?

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

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

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).

RMBI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is RMBI's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for RMBI.

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) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:39:37Z

Business

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

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$11.6M	N/A	$14.6M	$33.1M	N/A
FY 2024	$0.0M	$0.0M	$9.4M	N/A	$14.3M	$21.8M	N/A
FY 2023	$0.0M	$0.0M	$9.5M	N/A	$12.1M	N/A	N/A

Per the SEC financials, net income rose from $9.5M (FY 2023) to $9.4M (FY 2024) and then to $11.6M (FY 2025), and free cash flow moved from $12.1M to $14.3M to $14.6M over the same span. Cash increased from $21.8M (FY 2024) to $33.1M (FY 2025). Revenue and operating income are reported as $0.0M, and the margin fields in the market data are reported as 0%, so profitability margins cannot be assessed from the source data. Per the market data, ROIC is 7.9%. Per the RQD rating, Altman Z is 2.5, Piotroski F is 5/9, and Debt/Equity is 0.5, which together describe a balance sheet that is stable but not strong.

Recent Catalysts & News Wire Analysis

Per the recent news feed, the most recent items are:

A TradingView report on RMBI market action and fundamental catalysts (YELLOW, MARKET WIRE).
A Quantisnow release titled regarding the 2026 Third Quarter Financial Results (YELLOW, MARKET WIRE).
A MarketBeat report that RMBI was raised to Hold at Wall Street Zen (GREEN, CATALYST).
A Quiver Quantitative report on a $1.75 Million Third-Quarter 2026 Net Income (YELLOW, MARKET WIRE).
A MarketBeat report on the Q3 2026 earnings results and report (YELLOW, MARKET WIRE).
A price-action item citing a slip of 0.26% to $15.32 (YELLOW, MARKET WIRE). This item's source attribution is inconsistent with its headline and should be treated with caution.

The only item tagged as a catalyst (GREEN) is the Hold rating upgrade. Risk watch items are limited to the price-action item and the absence of disclosed analyst coverage. Per the Butterfly Supply-Chain Graph, the supply chain is NONE, with no butterfly links and no proprietary signals.

Open Questions

What are the specific revenue and operating income figures, given that the reported values are $0.0M?
What are the EV/EBITDA and gross, operating, and net margins, which are either unavailable or reported as 0%?
Which specific insider and Congressional transactions make up the cluster flow scored in the RQD rating?
What is the source and date of the price-action item whose attribution conflicts with its headline?
What is the institutional holder composition and how has it changed over time?

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) ↓

🟡 MARKET WIRE TradingView • 18h ago

Richmond Mutual Bancorporation, Inc. Estimates – NASDAQ:RMBI

TradingView report covering Richmond Mutual Bancorporation Inc. (RMBI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quantisnow • 21h 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.

Read Full Source ↗

🟢 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.

Read Full Source ↗

🟡 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.

Read Full Source ↗

🟡 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.

Read Full Source ↗

🟡 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.

Read Full Source ↗

🟢 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.

Read Full Source ↗

🟡 MARKET WIRE www.dars.gov.et • 1d 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.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

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

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RMBI 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $17.13 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is RMBI (C • RQD 65/100) a Buy at $15.86?

Welcome to the RMBI (Richmond Mutual Bancorporation Inc.) Roar Pit. Current RQD Composite is 65/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $13.16 (-17.0%)

Spot @ $15.86

Pump the brakes on RMBI — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on RMBI, but look at what you are paying: 23.0x trailing P/E with tightening sector spreads. Unless Richmond Mutual Bancorporation Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH 🎯 Target: $18.24 (+15.0%)

Spot @ $15.86

RMBI cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on RMBI, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $15.86 (52-wk range $12.77 - $16.59), any beat on forward guidance forces shorts and underweight funds to chase.