RICHMOND MUTUAL BANCORPORATION INC (RMBI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$16.01+0.95%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · RMBI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
No current thesis-health read is available for this company.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -8.7% |
| Our one-year growth estimate | diamond | 11.0% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 19.7 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of —
RMBI — dividend update
Dated 2026-08-20
Other Events On August 20, 2026, Richmond Mutual Bancorporation, Inc. (the “Company”) issued the press release attached hereto as Exhibit 99.1 and incorporated herein by reference announcing the declaration of a cash dividend on the Company’s common stock of $0.15 per share, payable on September 17, 2026, to stockholders of record as of the close of business on September 3, 2026.
Why it matters: High costs from the merger can lower profits. This may affect future dividends.
Worry ifNoninterest expenses stay below $10 million in Q3. This shows good cost management.
Less concerning ifNoninterest expenses go over $11 million in Q3. This raises worries about merger costs.
Why it matters: Growth in net interest income shows good management of the loan portfolio after the merger.
Supportive ifQ3 net interest income exceeds $12.1 million, showing continued growth from Q2.
Worry ifNet interest income drops below $11.4 million. This may show problems with loans or funding.
Why it matters: Ongoing margin growth shows good management after the merger. This means more money is made.
Supportive ifNet interest margin rises above 3.22% in Q3. This confirms the integration is effective.
Worry ifNet interest margin falls below 3.10%. This suggests there are integration or market issues.
Why it matters: Watching expenses will show how well the company handles merger costs.
Watch forNoninterest expenses stay steady or drop from $10.2 million in Q2.
Also watch forNoninterest expenses are over $10.2 million. This shows there are problems with integration.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$69 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $254 loss on $10,000 · 2.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,369 loss on $10,000 · 13.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Keeping the dividend at $0.15 per share shows financial strength and care for shareholders.
Supportive ifThe Board declares a dividend of $0.15 per share for the next quarter.
Worry ifThe Board cuts the dividend below $0.15 per share, indicating financial strain.
Why it matters: Successful integration of Farmers Bancorp is key for growth and market presence. Investors will want to see how well the companies merge.
Supportive ifManagement says they met key integration goals in the first three months after the merger.
Worry ifThere are problems with integration. This can cause delays or higher costs.
Why it matters: A rising provision may mean worse credit quality. This could hurt future profits.
Worry ifProvision for credit losses remains stable or decreases from $823,000 in Q2.
Less concerning ifProvision for credit losses is over $823,000. This may mean there are credit problems.
Why it matters: Shareholder approval is key to completing the merger. This merger could enhance scale and market presence.
Supportive ifShareholders approve the merger at the annual meeting on May 27, 2026.
Worry ifShareholders reject the merger at the annual meeting.
Why it matters: The outcome of this litigation could impact the merger with Farmers Bancorp. Legal issues can affect stock performance.
Worry ifA positive outcome or settlement was announced for the lawsuit.
Less concerning ifThere are negative news or delays in the lawsuit process.
Why it matters: Keeping the dividend shows strong capital use and good financial health after the merger.
Supportive ifManagement confirms the dividend will remain at $0.15 per share in the next earnings call.
Worry ifManagement announces a cut or stop of the dividend.
Why it matters: Stable revenue is crucial for growth after the merger. It shows ongoing business health.
Watch forQ2 revenue remains within the $20.3M to $21.8M range, showing stability.
Also watch forQ2 revenue falls below $20.3M. This may show problems after the merger.
Why it matters: This will show how the merger impacts revenue and profitability. Investors want to see if the merger leads to growth.
Supportive ifQ3 earnings report shows net income growth compared to Q2 2026 results.
Worry ifQ3 earnings report shows net income decline compared to Q2 2026 results.
Why it matters: A growing net interest margin means better profits. Investors will watch for more gains.
Supportive ifNet interest margin increases above 3.25% in Q3 2026.
Worry ifNet interest margin declines below 3.20% in Q3 2026.
Why it matters: Keeping the dividend shows financial strength and care for shareholders. A cut may worry investors.
Watch forDividend remains at $0.15 per share for the next declaration.
Also watch forDividend is reduced below $0.15 per share in the next announcement.