Rhinebeck Bancorp, Inc. (RBKB)

NCM – Real Time Price. Currency in USD

12.73

+0.25 (2.00%)

Market open: Aug 12, 2026, 12:47 PM EDT

12.48

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 12.48$
Day's range: 12.19 - 12.55$
52-week range: 9.41 - 17.99$
Volume: 119 836
Average volume: 191 989
Beta: -0.37
EPS (TTM): 0.65
PE ratio (TTM): 19.38
Forward P/E: N/A
Market cap: 195 165 191
Shares outstanding: 15 638 236
Dividend yield: N/A
Next earnings date: N/A
Sector: Financials
Industry: Banks - Regional

About the company

Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York, the United States. The company offers deposits, including non-interest-bearing demand, interest-bearing demand, money market, commercial and personal checking, individual retirement, and savings accounts, as well ... read more

CEO: Matthew Smith
Country: United States
IPO Date: 2019-01-17
Employees: 165
Fiscal Year End: January - December
Website: https://www.rhinebeckbank.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: RBKB

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Overall Score

3.3 / 1033%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $10.3M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.1) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.27	2.82	7.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.07	0.05	9.0
Debt to Assets	0.01	0.09	10
Interest coverage	N/A	N/A	10
Weighted average score			7.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	55M	66M	54M	76M	76M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	9M	6M	-11M	13M	12M
Net Income	7M	4M	-9M	10M	10M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	25.17	0.44	10
Net margin %	19.58	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.67	1.46	2.0
ROE	6.65	14.94	5.0
ROIC	5.30	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			3.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	N/A	N/A	1.0
Next year	N/A	N/A	1.0
Weighted average score			1.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	3.71	18.05	N/A	19.14	5.8
Y/Y	2.09	-4.03	N/A	-30.69	1.5
3y average	14.42	-38.91	N/A	11.51	4.3
5y average	9.45	-12.17	N/A	16.88	4.3
Weighted average score					4.0

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	14.04	11.16	5.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.56	3.37	5.2
P/B	1.40	1.53	5.6
Weighted average score			4.3

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR9.45%

FCF 5 year CAGR4

Fair value14.07$

Stock price12.675$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$14.07

UndervaluedStock priceOvervalued

$12.675

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Matthew Smith

Country

United States

IPO Date

2019-01-17

Employees

165

Fiscal Year End

January - December

Website

https://www.rhinebeckbank.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.27

2.82

7.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.07

0.05

9.0

Debt to Assets

0.01

0.09

Interest coverage

N/A

Weighted average score

7.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

55M

66M

54M

76M

Gross Profit

N/A

Operating Income

-11M

13M

12M

Net Income

-9M

10M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

25.17

0.44

Net margin %

19.58

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.67

1.46

2.0

ROE

6.65

14.94

5.0

ROIC

5.30

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

3.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

N/A

1.0

Next year

N/A

1.0

Weighted average score

1.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

3.71

18.05

N/A

19.14

5.8

Y/Y

2.09

-4.03

N/A

-30.69

1.5

3y average

14.42

-38.91

N/A

11.51

4.3

5y average

9.45

-12.17

N/A

16.88

4.3

Weighted average score

4.0

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

14.04

11.16

5.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

2.56

3.37

5.2

P/B

1.40

1.53

5.6

Weighted average score

4.3

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Rhinebeck Bancorp, Inc. (RBKB)

Stock details

About the company

Revenue Breakdown

News

Chart: RBKB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$14.07

$12.675

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: RBKB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$14.07

$12.675

Economic Moat