Should I Buy RMBI? RMBI 2026 Analysis

Should You Buy Richmond Mutual Bancorporation Inc (RMBI) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

14.030

1 Day change

1.08%

52 Week Range

15.240

Analysis Updated At

2026/01/30

Not a good buy right now for an impatient investor. RMBI is losing short-term momentum (MACD histogram negative and weakening) and is trading just below a key support area (S1 ~13.784) after slipping under the pivot (~14.044). With no Intellectia buy signals today and a modestly negative 1-week pattern outlook, the risk/reward for an immediate entry is not attractive. I would hold/avoid initiating a new position at this moment rather than buying into weakening momentum.

Technical Analysis

Price/Trend: RMBI is at 13.75 (-0.94%) in a down move intraday/near-term. Trend structure is still constructive on moving averages (SMA_5 > SMA_20 > SMA_200), suggesting the broader trend has been positive, but near-term momentum is deteriorating. Momentum: MACD histogram is -0.0236 and negatively expanding, which signals bearish momentum increasing. RSI(6) ~43 is neutral-to-soft (not oversold), so there is no momentum washout that would typically support an immediate bounce entry. Levels: Pivot 14.044; current price is below pivot and slightly below S1 13.784, with next support S2 13.624. Resistance levels: R1 14.304 and R2 14.464. Being under pivot and flirting with a support break implies near-term downside risk before any clean rebound. Pattern-based short horizon: Similar-pattern stats imply ~-1.15% over the next week and +2.49% over the next month, which aligns with a near-term dip risk rather than an immediate buy-now setup. Intellectia Proprietary Trading Signals: - [AI Stock Picker](module://ai_stock_pick): no signal on given stock today. - [SwingMax](module://swingmax): No signal on given stock recently.

Options Data

Positive Catalysts

GAAP EPS came in at $0.35 with YoY EPS growth (+45.83%) and net income growth (+37.68%).

Neutral/Negative Catalysts

Credit quality: Nonperforming loans and leases were $17.4M (1.46% of total loans) as of Dec 31, 2025—an important metric for a bank and a potential sentiment drag if it worsens.
Near-term technical pressure: MACD momentum is bearish and expanding; price is below pivot and slightly below S1 support, raising the probability of a push toward S2 (13.624).
Data quality/red flag: The provided revenue figure shows an extreme YoY drop to -1,087,640,000 (likely a data anomaly or classification issue). Even if it’s a reporting artifact, it can reduce confidence in the snapshot and complicate valuation/read-through.
No supportive flow signals: Hedge fund and insider trading trends are neutral; no congress trading data; and no Intellectia buy signals today.

Financial Performance

Latest quarter: 2025/Q4. Profitability: Net income rose to $3.409M (+37.68% YoY) and EPS rose to $0.35 (+45.83% YoY), which is a clear positive growth trend on earnings. Revenue: The snapshot shows revenue at -1,087,640,000 (-10569.68% YoY), which is inconsistent with the news revenue figure of $13.05M for Q4; this suggests the snapshot revenue line is likely distorted/non-comparable. Based on the news item, reported Q4 revenue was $13.05M. Balance sheet/credit: Assets were $1.5B and equity $145.8M as of Dec 31, 2025; nonperforming loans at 1.46% is a key risk metric to monitor.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No analyst rating or price target change data was provided, so a trend summary (upgrades/downgrades/target revisions) cannot be confirmed. Wall Street-style pros (based on provided fundamentals): improving EPS/net income in the latest quarter; growing equity base. Wall Street-style cons: credit-quality overhang (NPLs at 1.46%); near-term technical weakness; lack of visible catalysts or institutional/insider accumulation signals in the provided data. Politicians/influential figures: No recent congress trading data available (no evidence of recent politician buying or selling in the last 90 days).

Analyst Rating

Wall Street analysts forecast RMBI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for RMBI is 0 USD with a low forecast of 0 USD and a high forecast of 0 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

Buy

Hold

Sell

Current: 13.880

Low

Averages

High