RICHMOND MUTUAL BANCORPORATION INC (RMBI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$15.83+2.93%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 | -9.8% |
| 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.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
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 20.7 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
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: The merger lifted net interest income and margin. Holding the margin above its third-quarter level would support the larger bank's earnings base.
Supportive ifNet interest margin, at an annual rate, tops 3.68% in the next reported quarter.
Worry ifNet interest margin, at an annual rate, drops below 3.68% in the next reported quarter.
Why it matters: Third-quarter charge-offs and loan loss costs jumped. A lower rate of problem loans would show that credit stress is easing.
Worry ifNext quarter, credit loss provisions fall below $6.1 million. Non-performing loans fall below $32.2 million.
Less concerning ifProvision stays at or above $6.1 million, or non-performing loans rise above $32.2 million.
Why it matters: Management said it aims to keep paying a quarterly dividend while preserving capital. A steady payment would match that stated plan.
Supportive ifThe board declares another cash dividend of at least $0.15 per share.
Worry ifThe board cuts the dividend below $0.15 per share or declares no cash dividend.
Why it matters: The Bank chose a capital reporting path that requires a leverage ratio above 8.0%. A lower ratio could put that status at risk.
Worry ifThe reported Tier 1 leverage ratio stays above 8.0%.
Less concerning ifThe reported Tier 1 leverage ratio falls to 8.0% or below.
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 | ±$50 on $10,000 · ±0.5% | How much price usually moves either way. |
| Bad day | $233 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,138 loss on $10,000 · 11.4% | 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.