Rhinebeck Bancorp (RBKB) AI Stock Analysis

• Market Cap: $110.94M
• Dividend Yield: N/A
• Average Volume (3M): 7.65K
• Price to Earnings (P/E): 21.8
• Beta (1Y): 0.27
• Revenue Growth: 22.30%
• EPS Growth: N/A
• Country: US
• Employees: 157
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.24
• Shares Outstanding: 11,105,330
• 10 Day Avg. Volume: 10,282
• 30 Day Avg. Volume: 7,647
• PEG Ratio: 0.04
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 1.92
• P/FCF Ratio: 13.55
• Enterprise Value/Market Cap: 1.31
• Enterprise Value/Revenue: 2.58
• Enterprise Value/Gross Profit: 4.70
• Enterprise Value/Ebitda: -24.86
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 43 Neutral
• Price Target: $10.50 ▲(5.11% Upside)

Rhinebeck Bancorp's overall stock score is primarily impacted by its weak financial performance and bearish technical indicators. The negative P/E ratio and lack of dividend yield further contribute to a low valuation score. The absence of earnings call data and corporate events means these factors do not influence the score.

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 is facing financial challenges, particularly in terms of profitability and cash flow generation. The income statement shows declining profitability with negative net profit margins. The balance sheet is moderately stable with a manageable debt-to-equity ratio, but the negative return on equity is concerning. Cash flow analysis indicates inefficiencies in converting income into cash, despite some resilience in free cash flow generation.

Income Statement

Rhinebeck Bancorp's income statement shows a concerning trend with declining profitability. The TTM data reveals negative net profit and EBIT margins, indicating operational challenges. Although there was a slight revenue growth, the overall profitability has deteriorated compared to previous years, with significant losses in the most recent period.

Balance Sheet

The balance sheet reflects a moderate financial position with a manageable debt-to-equity ratio of 0.30 in the TTM period, showing improvement from previous years. However, the negative return on equity indicates that the company is not generating sufficient returns on its equity base, which is a concern for investors.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth, with a significant drop in the TTM period. The operating cash flow to net income ratio is low, suggesting inefficiencies in converting income into cash. Despite this, the free cash flow to net income ratio remains relatively stable, indicating some resilience in cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	56.55M	54.26M	66.39M	54.53M	51.11M	52.69M
Gross Profit	31.02M	25.91M	42.00M	46.36M	50.49M	37.53M
EBITDA	-5.87M	-9.51M	7.11M	10.55M	16.65M	8.88M
Net Income	-5.70M	-8.62M	4.39M	7.00M	11.56M	5.92M
Balance Sheet
Total Assets	1.27B	1.26B	1.31B	1.34B	1.28B	1.13B
Cash, Cash Equivalents and Short-Term Investments	162.97M	147.24M	159.05M	240.47M	299.73M	196.42M
Total Debt	38.91M	74.93M	133.22M	62.88M	23.20M	55.83M
Total Liabilities	1.15B	1.13B	1.20B	1.23B	1.16B	1.01B
Stockholders Equity	128.96M	121.83M	113.69M	108.13M	125.97M	116.50M
Cash Flow
Free Cash Flow	6.03M	7.68M	6.47M	13.66M	5.88M	12.98M
Operating Cash Flow	6.74M	8.47M	7.05M	14.79M	7.65M	14.85M
Investing Cash Flow	62.09M	74.75M	14.70M	-123.61M	-135.73M	-74.12M
Financing Cash Flow	-13.65M	-67.86M	-31.00M	68.11M	106.69M	140.78M

Rhinebeck Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 9.99
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RBKB, the sentiment is Negative. The current price of 9.99 is below the 20-day moving average (MA) of 10.69, below the 50-day MA of 11.84, and below the 200-day MA of 11.28, indicating a bearish trend. The MACD of -0.54 indicates Positive momentum. The RSI at 33.52 is Neutral, neither overbought nor oversold. The STOCH value of 36.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RBKB.

Rhinebeck Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	―	$123.83M	9.24	10.13%	3.02%	10.94%	21.78%
EBMT	―	$129.06M	9.41	7.43%	3.43%	6.23%	59.32%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AFBI	―	$118.96M	16.35	5.95%	―	5.18%	36.12%
FNWD	―	$152.02M	18.46	5.05%	1.37%	-7.07%	-29.17%
FGBI	―	$99.19M	―	-4.06%	0.61%	9.81%	-220.92%
RBKB	―	$110.94M	21.85	3.95%	―	22.30%	―

Rhinebeck Bancorp Corporate Events

Rhinebeck Bancorp Reduces Board Size After Resignation

On October 18, 2025, Suzane Loughlin resigned from the Board of Trustees of Rhinebeck Bancorp, MHC and the Board of Directors of Rhinebeck Bancorp, Inc., effective December 17, 2025, without any disagreements. She will continue her role on the Board of Directors of Rhinebeck Bank. Subsequently, on October 21, 2025, both the MHC and the Company decided to reduce the size of their Boards to address the vacancy left by Ms. Loughlin’s departure, effective December 17, 2025.

The most recent analyst rating on (RBKB) stock is a Hold with a $10.50 price target. To see the full list of analyst forecasts on Rhinebeck Bancorp stock, see the RBKB Stock Forecast page.

Rhinebeck Bancorp Appoints New President and CEO

Rhinebeck Bancorp announced the appointment of Matthew J. Smith as President and CEO, effective October 20, 2025, succeeding Michael J. Quinn, who is retiring after 40 years. Smith, with a robust background in financial services, is expected to lead the company into a new phase of growth and innovation, leveraging his experience in digital banking and strategic operations.

The most recent analyst rating on (RBKB) stock is a Hold with a $12.00 price target. To see the full list of analyst forecasts on Rhinebeck Bancorp stock, see the RBKB Stock Forecast page.

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.