RICHMOND MUTUAL BANCORPORATION INC (RMBI)
Financials · regional banks · NASDAQ
Richmond Mutual Bancorporation is a community-focused bank holding company providing commercial and residential lending and deposit services in its local markets.
What RICHMOND MUTUAL BANCORPORATION INC does
Richmond Mutual Bancorporation is the holding company for First Bank Richmond, a community-oriented financial institution. The company provides a range of banking services, including deposit accounts, residential and commercial real estate loans, and other consumer lending products, primarily serving individuals and businesses in its local market areas.
Themes: community banking, commercial lending, residential mortgages, deposit gathering
Fundamentals
- Price$15.83 as of 2026-08-21 close
- Market cap$265M as of 2026-08-21
- 1-year return+13.4% 2025-08-21 close $13.96 → 2026-08-21 close $15.83
- P/E21.64 as of 2026-08-24
- Net margin+27.9% as of 2026-08-24
- ROE+8.8% as of 2026-08-24
- Debt / equity0.01 as of 2026-08-24
- Revenue growth (YoY)+12.9% as of 2026-08-24
- Beta0.34 as of 2026-08-24
- Last reported earnings2026-07-27 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +5.7%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
How RMBI compares in its sector
- price-to-earnings ratiotop 25% 523 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, RMBI's dividend was covered by reported results (earnings payout 50%, free-cash-flow payout 40%). This describes past coverage, not a forecast.
- Earnings payout50% dividends / net income
- Free-cash-flow payout40% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How RICHMOND MUTUAL BANCORPORATION INC looks technically
RICHMOND MUTUAL BANCORPORATION INC (RMBI) is trading 10.1% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 75 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 54, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 5 trading days ago (its momentum flipped negative). It made a new 20-day high about 9 trading days ago. It is 4.6% below its 52-week high (its highest price of the past year). Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 8% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 10.1% above its 200-day average, the long-term trend line — a longer-term uptrend | +10.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $15.46 | $15.46 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $14.38 | $14.38 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 9 calendar days ago — the swings before that are what the structure reading is measured on | 9 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 16.23. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 75 trading days ago — a "golden cross", a bullish long-term signal | 75 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend) | 23.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 54, neither overbought (above 70) nor oversold (below 30) | 53.9 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($15.43 to $16.23) — its "stochastic" reading is 50 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 50.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 5 trading days ago (its momentum flipped negative) | 5 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $16.59 | $16.59 |
|---|---|---|
| From the 52-week high | it is 4.6% below its 52-week high (its highest price of the past year) | -4.6% |
| Above the 52-week low | it is 24.0% above its 52-week low (its lowest price of the past year) | +24.0% |
| Below the 52-week high | it is 4.6% below its highest point of the past year | 4.6% |
| Since a 20-day breakout | it made a new 20-day high about 9 trading days ago | 9 sessions |
| Since a 55-day breakout | it made a new 55-day high about 40 trading days ago | 40 sessions |
| All-time high | its highest closing price on record is $18.16 (set on 2022-03-04) | $18.16 |
| Given back of the 52-week move | over the past year its closes ranged ($12.92 to $16.19), and it has given back only a small part of its rise from last year’s low — 11% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $14.06 to $14.17. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 11.0% |
| From the all-time high | it is 12.8% below its all-time high | -12.8% |
| Nearest price level | it is trading 2.0% below a resistance level at $16.15 — a price it turned at four times since 2026-05-01, most recently on 2026-08-12. Since 2024-08-21 it has 10 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +2.0% |
| All-time low | its lowest closing price on record is $8.61 (set on 2023-05-04) | $8.61 |
| Above the all-time low | it is 83.9% above its all-time low | +83.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 8% of the past ~6 months), which often precedes a bigger move | 8th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3294 between its high and its low — about 2.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.3294 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $15.41 and $16.20 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $15.41 – $15.81 – $16.20 |
| Typical daily range (% of price) | its price moves about 2.1% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.1% |
| Stretch from the 200-day average | it is trading 4.4 daily ranges above its 200-day average price (10.1% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.4 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.98× |
|---|
Candlestick patterns
2
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|---|---|
| Since a bullish engulfing | 3 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 3 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.5% |
|---|---|---|
| Gap filled | a 2.8% gap down opened on 2026-07-20 has been "filled" 24 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 24 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 3 sessions in a row, a -1.12% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 3 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 0.8 percentage points (the stock gained 3.2% while the market gained 2.3%) | +0.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 5.0 percentage points (the stock gained 8.1% while the market gained 3.1%) | +5.0% |
| vs market, 6 months | over the past 6 months this stock beat the market by 1.1 percentage points (the stock gained 12.2% while the market gained 11.1%) | +1.1% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 7.1 percentage points (the stock gained 13.4% while the market gained 20.5%) | -7.1% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.3% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.3% of the share price, which is taken to mean a barrier that gives way easily. | +2.3% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 6% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $14.97 — a volume-weighted average of daily closes over 155 sessions, not a true tick-by-tick VWAP. | +5.7% |
|---|
Price levels it has turned at before
RMBI last closed at $15.83 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $16.15 | Resistance | 2.0% above the last close | turned there four times · 2026-05-01 to 2026-08-12 |
| $15.16 | Support | 4.2% below the last close | turned there three times · 2024-12-02 to 2025-09-23 |
| $14.83 | Support | 6.3% below the last close | turned there six times · 2025-02-03 to 2026-07-21 |
| $14.41 | Support | 9.0% below the last close | turned there 13 times · 2024-12-31 to 2026-07-01 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $16.23.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 2 trading days, since 2026-08-20.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bearish (12/26/9) · in a Bollinger Band volatility squeeze · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Interest rate fluctuations and yield curve inversion affecting net interest margin","Economic conditions in local market areas impacting borrower repayment and collateral values","Geographic concentration of loan portfolio in real estate assets"]
What changed in the latest 10-Q
AI-assisted comparison of RMBI's 10-Q filed 2026-05-12 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Added:
- Further, statements about the potential effects of the Company's proposed merger with The Farmers Bancorp, Frankfort, Indiana ('Farmers Bancorp') on the Company's business, financial results, and condition may constitute forward-looking statements and are subject to the risk that the actual effects may differ, possibly materially, from what is reflected in the forward-looking statements due to factors and future developments which are uncertain, unpredictable and in many cases beyond the Company (filed 2026-05-12)
- Removed:
- We undertake no obligation to publicly update or revise any forward-looking statements included in this report or to update the reasons why actual results could differ from those contained in such statements, whether as a result of new information, future events or otherwise. In light of these risks, uncertainties and assumptions, the forward-looking statements discussed in this report might not occur and you should not put undue reliance o (filed 2025-11-10)
- Reworded:
- Reference period changed from 'September 30, 2025' to 'March 31, 2026' in General section opening (filed 2026-05-12 vs 2025-11-10)
- Comparison periods changed from 'three and nine month periods ended September 30, 2025, compared to the same periods in 2024' to 'three month periods ended March 31, 2026, compared to the same periods in 2025' (filed 2026-05-12 vs 2025-11-10)
- Form 10-K reference changed from 'year ended December 31, 2024 ("2024 Form 10-K")' to 'year ended December 31, 2025 ("2025 Form 10-K")' (filed 2026-05-12 vs 2025-11-10)
- SEC reference expanded from 'Securities and Exchange Commission ("SEC")' to full form with acronym in parentheses placement slightly adjusted (filed 2026-05-12 vs 2025-11-10)
- Notes:
- The newer filing text appears truncated at the merger statement section, preventing full assessment of whether the forward-looking statement disclaimer was removed or relocated
- Page number references differ (29-30 in newer vs 31-32 in older), which is expected given different reporting periods
Risk Factors
- Added:
- Newer filing (2026-05-12) contains financial statements dated March 31, 2026 and December 31, 2025
- Newer filing includes three-month comparative period ending March 31, 2026 vs. March 31, 2025
- Newer filing shows Cash and due from banks of $9,699,813 at March 31, 2026
- Newer filing shows Total assets of $1,519,216,384 at March 31, 2026
- Newer filing shows Total deposits of $1,106,365,361 at March 31, 2026
- Newer filing shows Total stockholders' equity of $144,910,413 at March 31, 2026
- Newer filing shows Net income of $2,785,291 for three months ended March 31, 2026
- Newer filing shows provision for credit losses of $693,094 for Q1 2026
- Newer filing includes statement showing Other borrowings of $0 at March 31, 2026 (compared to $12,000,000 at December 31, 2025)
- Removed:
- Older filing (2025-11-10) contained financial statements dated September 30, 2025 and December 31, 2024
- Older filing contained three-month and nine-month comparative periods ending September 30, 2025 vs. September 30, 2024
- Older filing showed Cash and due from banks of $11,415,968 at September 30, 2025
- Older filing showed Total assets of $1,525,565,364 at September 30, 2025
- Older filing showed Total deposits of $1,118,258,347 at September 30, 2025
- Older filing showed Total stockholders' equity of $140,035,176 at September 30, 2025
- Older filing showed Net income of $3,597,006 for three months ended September 30, 2025
- Older filing showed nine-month financial data for 2025 and 2024
- Older filing included net gains (losses) on securities line item in non-interest income
- Reworded:
- Newer filing shows 'provision for credit losses' while older filing shows 'provision for (reversal of) credit losses' reflecting different accounting treatment periods
- Newer filing's non-interest income excludes detailed net gains/losses on securities detail that appeared in older filing
- Newer filing shows Real estate owned expense of $12,215 vs. older filing showing $8,425 for comparable three-month period
- Notes:
- The two filings report different fiscal periods (Q1 2026 vs. Q3 2025), making direct operational comparisons limited
- Comparison is between a Q1 10-Q filing and a Q3 10-Q filing from different years
- Risk Factors section headers appear substantially identical between filings but content not provided in excerpts
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
2 open-market purchases and 0 open-market sales by insiders in the last 90 days.
- Last 30 days1 buy ($39794) · 0 sells — 1 buying insider
- Last 90 days2 buys ($61327) · 0 sells — 2 buying insiders
- Last 180 days2 buys ($61327) · 0 sells — 2 buying insiders
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-10. As of 2026-08-25.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about RMBI's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding RMBI as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 539,983
- Reported value $7,327,569
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
RMBI had 149,453 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
RMBI had 0.89% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.17 days to cover at the same settlement.
- Reported short interest (shares) 149,453
- Short interest (% of shares outstanding) 0.89%
- Prior settlement (shares) 167,869
- Reported change -10.97%
- Days to cover (reported) 3.17
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Old National Bancorp (ONB)
- First Financial Bancorp (FFBC)
- WesBanco (WSBC)
- Park National Corporation (PRK)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare RMBI vs…
Frequently asked questions
What does RICHMOND MUTUAL BANCORPORATION INC (RMBI) do?
Richmond Mutual Bancorporation is the holding company for First Bank Richmond, a community-oriented financial institution. The company provides a range of banking services, including deposit accounts, residential and commercial real estate loans, and other consumer lending products, primarily serving individuals and businesses in its local market areas.
What sector is RICHMOND MUTUAL BANCORPORATION INC (RMBI) in?
RICHMOND MUTUAL BANCORPORATION INC (RMBI) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does RMBI pay a dividend?
Yes — RICHMOND MUTUAL BANCORPORATION INC (RMBI) pays a dividend, with an indicated yield of about 5.71% and 4-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-08-24). Informational only — not financial advice.
Who are RICHMOND MUTUAL BANCORPORATION INC's (RMBI) competitors?
Notable peers of RICHMOND MUTUAL BANCORPORATION INC (RMBI) include Old National Bancorp, First Financial Bancorp, WesBanco and Park National Corporation. This peer set is informational only — not financial advice.
Is RICHMOND MUTUAL BANCORPORATION INC (RMBI) overbought or oversold right now?
RICHMOND MUTUAL BANCORPORATION INC (RMBI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 54, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on RMBI come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.