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