Rhinebeck Bancorp (RBKB) AI Stock Analysis

• Market Cap: $148.48M
• Dividend Yield: N/A
• Average Volume (3M): 7.72K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.32
• Revenue Growth: -17.56%
• EPS Growth: -233.71%
• Country: US
• Employees: 157
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 0.25
• Shares Outstanding: 11,105,330
• 10 Day Avg. Volume: 8,562
• 30 Day Avg. Volume: 7,722
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.98
• Enterprise Value/Revenue: 2.63
• Enterprise Value/Gross Profit: 5.20
• Enterprise Value/Ebitda: -18.10
• 1Y Price Target: $12.00
• Price Target Upside: -10.25% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 58 Neutral
• Price Target: $12.00 ▼(-10.25% Downside)

Rhinebeck Bancorp's stock score is primarily impacted by its financial challenges, including negative profitability metrics and a poor valuation due to a negative P/E ratio. However, strong technical indicators suggest positive market sentiment, partially offsetting financial concerns.

Rhinebeck Bancorp Business Overview & Revenue Model

Company Description

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 company offers deposits; automobile loans; commercial real estate loans, including multi-family real estate loans, commercial construction, and land development loans; commercial business loans; and one-to four-family residential real estate loans. It also provides brokerage and financial services; and life insurance and investment products to individuals and businesses. As of December 31, 2021, the company operated through 15 branches and 2 representative offices in Dutchess, Ulster, Orange, and Albany counties. It also operates ATM located in Tivoli, New York. The company was founded in 1860 and is based in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates as a subsidiary of Rhinebeck Bancorp, MHC.

How the Company Makes Money

Rhinebeck Bancorp generates revenue through several key streams. The primary source of income comes from the interest earned on loans provided to customers, including personal loans, commercial loans, and mortgages. Additionally, the bank earns interest from investment securities. Non-interest income is also significant, comprising fees generated from account services, ATM fees, and transaction-related charges. The company may engage in partnerships with local businesses and organizations to enhance its product offerings and community presence, which can contribute to customer acquisition and retention, thereby impacting its overall earnings.

Rhinebeck Bancorp Financial Statement Overview

Summary

Rhinebeck Bancorp faces profitability challenges with negative EBIT and net income. Despite a stable balance sheet with manageable debt, the company struggles with revenue and margin pressures. Positive cash flow trends offer some resilience but are overshadowed by income generation issues.

Income Statement

Rhinebeck Bancorp's income statement shows declining profitability with negative EBIT and net income in the TTM. The gross profit margin has decreased compared to previous years, indicating pressure on revenue or cost management. The net profit margin is negative, reflecting ongoing losses, and revenue growth is inconsistent with a decline from 2023 to TTM, posing challenges for financial sustainability.

Balance Sheet

Rhinebeck Bancorp maintains a moderate debt-to-equity ratio, which is favorable for financial stability. However, the negative net income impacts ROE negatively. The equity ratio remains stable, suggesting a solid capital structure despite challenges in income generation. The firm should focus on improving profitability to enhance balance sheet strength further.

Cash Flow

The company's cash flow statement reveals a positive operating cash flow, which is a strong point. Free cash flow has grown over the past year, indicating improved cash management. However, the operating cash flow to net income ratio suggests that cash generation is significantly outpacing net income, signaling potential income statement issues that need addressing.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	54.26M	66.39M	54.53M	51.11M	52.69M
Gross Profit	25.91M	41.67M	46.36M	50.49M	37.53M
EBITDA	-9.51M	7.11M	10.55M	16.65M	8.88M
Net Income	-8.62M	4.39M	7.00M	11.56M	5.92M
Balance Sheet
Total Assets	1.26B	1.31B	1.34B	1.28B	1.13B
Cash, Cash Equivalents and Short-Term Investments	147.24M	159.05M	240.47M	299.73M	196.42M
Total Debt	74.93M	133.22M	62.88M	23.20M	55.83M
Total Liabilities	1.13B	1.20B	1.23B	1.16B	1.01B
Stockholders Equity	121.83M	113.69M	108.13M	125.97M	116.50M
Cash Flow
Free Cash Flow	7.68M	6.47M	13.66M	5.88M	12.98M
Operating Cash Flow	8.47M	7.05M	14.79M	7.65M	14.85M
Investing Cash Flow	74.75M	14.70M	-123.61M	-135.73M	-74.12M
Financing Cash Flow	-67.86M	-31.00M	68.11M	106.69M	140.78M

Rhinebeck Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.37
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RBKB, the sentiment is Positive. The current price of 13.37 is above the 20-day moving average (MA) of 12.93, above the 50-day MA of 12.50, and above the 200-day MA of 10.85, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 58.28 is Neutral, neither overbought nor oversold. The STOCH value of 67.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RBKB.

Rhinebeck Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	79 Outperform	$132.95M	11.58	9.23%	2.81%	9.87%	2.62%
Sector *	68 Neutral	$17.90B	11.92	10.28%	3.72%	9.73%	1.69%
AFBI	68 Neutral	$124.78M	18.40	5.67%	―	6.51%	28.94%
MNSB	63 Neutral	$174.54M	14.43	-4.04%	1.77%	4.08%	-172.13%
RVSB	60 Neutral	$106.00M	20.82	3.25%	1.58%	10.30%	170.86%
RBKB	58 Neutral	$148.48M	―	-4.65%	―	-17.56%	-233.71%
SRBK	57 Neutral	$124.12M	34.41	1.91%	0.66%	26.46%	―

Rhinebeck Bancorp Corporate Events

Rhinebeck Bancorp Announces New Stock Repurchase Plan

Rhinebeck Bancorp, Inc. has announced a new plan to repurchase up to 540,000 shares of its common stock, representing approximately 5% of its outstanding shares. This initiative will commence following the completion of its previous stock repurchase plan from September 2022, which still has 47,506 shares available for repurchase, potentially impacting the company’s stock value and market positioning.

Rhinebeck Bancorp Holds Annual Stockholders Meeting

On May 21, 2025, Rhinebeck Bancorp, Inc. held its Annual Meeting of Stockholders, where several key decisions were made. The stockholders approved the 2025 Equity Incentive Plan, elected directors for three-year terms, ratified the appointment of Wolf & Company, P.C. as the independent registered public accounting firm, and approved executive compensation on an advisory basis. The company also decided to hold an annual advisory vote on executive compensation.