Richmond Mutual Bancorporation, Inc. (RMBI)
Financial Services
- Fundamental
- 3
- Sentiment
- 2
- Technical
- 3
Do Nothing: qualitativeScore is 2 (below the required floor of 3; the shadow flag rendered false this run, so no shadow branch applies) and the 20-day average dollar volume (~$1.42M) is below the $5M liquidity floor — both are hard blocks for any bullish entry.
Company overview
Richmond Mutual Bancorporation, Inc. is the parent company of First Bank Richmond, offering a range of banking services including various deposit accounts and loans. The company also provides lease financing and fee-based financial services such as trust and estate administration, investment management, and private banking. Headquartered in Richmond, Indiana, it operates multiple banking offices across Indiana and Ohio.
Fundamental
fairAttractive valuation metrics are offset by rising nonperforming loans and merger-related costs, resulting in a mixed fundamental outlook.
FundamentalScore 3/5: Cheap vs book and earning power for a well-capitalized micro-cap regional bank with a ~3.9% dividend yield, but rising nonperforming loans and post-merger integration costs keep the near-term fundamentals mixed.
Sentiment
weakNo immediate catalysts or adverse sentiment trends are present, resulting in a neutral sentiment assessment.
No actionable near-term catalyst exists — in-window flow is limited to a routine dividend declaration, a trailing fully-digested merger close, and a single neutral technical-analysis note; the sentiment delta is indeterminate (scoring window thin but measured flat, baseline unmeasured with an item-level fallback showing no deterioration at low confidence), retail mention is indeterminate, and the Red-Flag Screen is clean — an Absent setup with nothing to price in the next 1–30 trading days.
Technical
fairThe stock is in a neutral consolidation phase with no clear bullish pattern due to mixed technical indicators and low trading volume.
RMBI at $15.80 is in a neutral consolidation: price holds above the longer-term trend stack (SMA50 15.71, SMA200 14.63) and the MACD line is marginally positive (0.02), but short-term momentum is flat — price sits just below SMA20 (15.87), EMA9 (15.83) and EMA21 (15.84), RSI14 is dead-neutral at 49.51, Williams %R is -61.54, and ADX14 at 14.02 signals no tradable trend. Chart quality is mixed (score 3). No trade can be admitted regardless of the chart: the upstream qualitative screen failed (qualitativeScore 2, below the required floor of 3 — a hard block with no shadow-branch eligibility this run) and the 20-day average dollar volume (~$1.42M) is far below the $5M liquidity floor.
You’re looking at 2026-09-17 — more than 2 trading days ago.
Subscribers saw this then, and see today’s score, verdict and trade plan now.
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Not financial advice. For informational and educational purposes only.