Rhinebeck Bancorp Inc (RBKB)
NASDAQ:RBKB
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Rhinebeck Bancorp
(NASDAQ:RBKB)
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Rating:67Neutral
Price Target:
$17.00
▲(57.12% Upside)
Action:Downgraded
Date:05/20/26
The score is driven primarily by improved fundamentals (profitability recovery and materially lower leverage), tempered by uneven revenue and cash-flow trends. Technicals are mixed with only modest momentum, valuation appears mid-range on earnings, and recent corporate events are modestly positive but not transformational.
Positive Factors
Profitability rebound
The material recovery to roughly $10M net income and mid-teens operating margins signals the business can generate sustainable earnings after a loss year. This reduces solvency and coverage risk, supports retained capital for lending and reserves, and underpins longer-term earnings resilience if top-line stabilizes.
Negative Factors
Top-line volatility
A steep TTM revenue decline (-41%) highlights weak and unstable core growth, making future earnings fragile and forecasting unreliable. For a community bank, inconsistent loan originations and fee income amplify earnings sensitivity to local credit cycles and rate moves, limiting sustainable margin expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability rebound
The material recovery to roughly $10M net income and mid-teens operating margins signals the business can generate sustainable earnings after a loss year. This reduces solvency and coverage risk, supports retained capital for lending and reserves, and underpins longer-term earnings resilience if top-line stabilizes.
Read all positive factors
Rhinebeck Bancorp (RBKB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$176.04M
Dividend YieldN/A
Average Volume (3M)7.65K
Price to Earnings (P/E)18.9
Beta (1Y)0.10
Revenue Growth36.10%
EPS GrowthN/A
CountryUS
Employees157
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.92
Shares Outstanding11,169,981
10 Day Avg. Volume10,282
30 Day Avg. Volume7,647
Financial Highlights & Ratios
PEG Ratio-0.06
Price to Book (P/B)0.95
Price to Sales (P/S)1.72
P/FCF Ratio11.97
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue2.26
Enterprise Value/Gross Profit3.30
Enterprise Value/Ebitda12.99
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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; au...
How the Company Makes Money
Rhinebeck Bancorp primarily earns money through Rhinebeck Bank’s banking operations. The largest driver is typically net interest income: the bank collects interest and fees on loans (e.g., commercial real estate, residential mortgages, commercial...
Rhinebeck Bancorp Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
82
Very Positive
Cash Flow
62
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 75.53M | 75.84M | 54.26M | 66.39M | 54.53M | 51.11M |
| Gross Profit | 51.86M | 51.71M | 25.91M | 42.00M | 46.36M | 50.49M |
| EBITDA | 13.16M | 13.57M | -9.51M | 7.11M | 10.55M | 16.65M |
| Net Income | 9.97M | 10.04M | -8.62M | 4.39M | 7.00M | 11.56M |
Balance Sheet | ||||||
| Total Assets | 1.28B | 1.30B | 1.26B | 1.31B | 1.34B | 1.28B |
| Cash, Cash Equivalents and Short-Term Investments | 17.59M | 122.03M | 147.24M | 159.05M | 240.47M | 299.73M |
| Total Debt | 16.48M | 30.31M | 74.93M | 133.22M | 62.88M | 23.20M |
| Total Liabilities | 1.15B | 1.16B | 1.13B | 1.20B | 1.23B | 1.16B |
| Stockholders Equity | 138.64M | 136.85M | 121.83M | 113.69M | 108.13M | 125.97M |
Cash Flow | ||||||
| Free Cash Flow | 10.01M | 10.89M | 7.68M | 6.47M | 13.66M | 5.88M |
| Operating Cash Flow | 10.95M | 11.74M | 8.47M | 7.05M | 14.79M | 7.65M |
| Investing Cash Flow | 31.07M | 21.16M | 74.75M | 14.70M | -123.61M | -135.73M |
| Financing Cash Flow | 20.37M | 31.60M | -67.86M | -31.00M | 68.11M | 106.69M |
Rhinebeck Bancorp Technical Analysis
Neutral
10.82
Price Trends
15.70
Negative
14.65
Positive
13.14
Positive
Market Momentum
<0.01
Positive
41.18
Neutral
12.45
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RBKB, the sentiment is Neutral. The current price of 10.82 is below the 20-day moving average (MA) of 16.01, below the 50-day MA of 15.70, and below the 200-day MA of 13.14, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 41.18 is Neutral, neither overbought nor oversold. The STOCH value of 12.45 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for RBKB.
Rhinebeck Bancorp Risk Analysis
Rhinebeck Bancorp disclosed 40 risk factors in its most recent earnings report. Rhinebeck Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Rhinebeck Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $134.92M | 7.61 | 11.60% | 2.69% | 12.40% | 50.07% | |
70 Outperform | $176.83M | 10.10 | 8.29% | 2.93% | 3.88% | 40.69% | |
70 Outperform | $137.13M | 14.85 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $176.04M | 18.86 | 7.42% | ― | 36.10% | ― | |
58 Neutral | $139.30M | 17.31 | 5.92% | 0.97% | 0.68% | 199.51% | |
51 Neutral | $146.53M | 11.69 | -20.17% | 0.84% | -6.78% | -2658.21% |
* Financial Sector Average
RBKB
Rhinebeck Bancorp
15.50
4.29
38.27%
EBMT
Eagle Bancorp Montana
22.22
5.97
36.72%
SBFG
SB Financial Group
21.82
3.11
16.63%
FGBI
First Guaranty Bancshares
8.83
-0.47
-5.02%
AFBI
Affinity Bancshares
22.49
4.17
22.76%
FNWD
Finward Bancorp
32.24
2.20
7.31%
Rhinebeck Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
Rhinebeck Bancorp Shareholders Back Directors and Executive Pay
Positive
May 19, 2026
Rhinebeck Bancorp, Inc. held its Annual Meeting of Stockholders on May 19, 2026, where shareholders elected four directors, including one to a two-year term and three to three-year terms, with all nominees receiving strong support despite some wit...
Business Operations and StrategyPrivate Placements and Financing
Rhinebeck Bancorp Engages KBW to Support Stock Offering
Positive
May 14, 2026
On May 14, 2026, Rhinebeck Bancorp, MHC, Rhinebeck Bancorp, Inc., and Rhinebeck Bank entered into an Agency Agreement with Keefe, Bruyette Woods, Inc. to assist in marketing the Company’s common stock in an ongoing stock offering. Under the...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.