Rhinebeck Bancorp (RBKB) AI Stock Analysis

• Market Cap: $108.50M
• Dividend Yield: N/A
• Average Volume (3M): 7.65K
• Price to Earnings (P/E): 21.4
• 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: 1.34
• Enterprise Value/Revenue: 2.88
• Enterprise Value/Gross Profit: 4.52
• Enterprise Value/Ebitda: 35.70
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: $11.50 ▲(6.28% Upside)

Rhinebeck Bancorp's overall score is driven by its strong financial performance, particularly in cash flow and leverage improvement. However, technical indicators suggest potential overbought conditions, and the stock's valuation appears high, which tempers the overall score.

Positive Factors

Revenue Growth

The strong revenue growth rate indicates an expanding market presence and effective business strategies, supporting long-term financial health.

Balance Sheet Health

Improved debt-to-equity ratio enhances financial stability, providing a solid foundation for future growth and resilience against economic fluctuations.

Cash Flow Generation

Significant free cash flow growth reflects strong cash generation capabilities, enabling reinvestment in business operations and strategic initiatives.

Negative Factors

Gross Profit Margin Decline

The sharp decline in gross profit margin suggests challenges in cost management or pricing power, potentially impacting long-term profitability.

Operational Cash Flow Management

Low operational cash flow efficiency indicates potential issues in managing day-to-day cash needs, which could affect liquidity and operational flexibility.

Profitability Challenges

While profitability has improved, the recent recovery from negative margins highlights ongoing challenges in sustaining consistent earnings performance.

Rhinebeck Bancorp Business Overview & Revenue Model

Company Description

Rhinebeck Bancorp (RBKB) is a bank holding company based in Rhinebeck, New York, primarily focused on providing a wide range of financial services through its subsidiary, Rhinebeck Bank. The company operates in the banking sector, serving both individual and commercial clients. Its core products include various deposit accounts, residential and commercial loans, mortgages, and investment services, catering to the needs of the local community and surrounding areas.

How the Company Makes Money

Rhinebeck Bancorp generates revenue primarily through interest income from loans and mortgage products, which constitutes the bulk of its earnings. The bank offers a variety of loan products, including personal loans, auto loans, commercial loans, and home equity lines of credit, earning interest on these loans as customers repay them. Additionally, Rhinebeck Bancorp earns non-interest income from fees associated with its banking services, such as account maintenance charges, transaction fees, and penalties for overdrafts. The company also benefits from its investment portfolio, which includes securities that yield interest and dividends. Partnerships with local businesses and community organizations enhance customer acquisition and retention, contributing to its revenue growth. Economic factors, such as interest rate fluctuations and local market conditions, also significantly influence its earnings.

Rhinebeck Bancorp Financial Statement Overview

Summary

Rhinebeck Bancorp shows a recovery in profitability and strong cash flow, with improved leverage ratios enhancing financial stability. However, the company needs to improve gross profit margins and operational cash flow efficiency.

Income Statement

Rhinebeck Bancorp's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) data indicates a strong revenue growth rate of 14.84%, suggesting a positive trajectory. However, the gross profit margin has significantly decreased over the years, from 100% in 2021 to 10.17% in the TTM period. The net profit margin has improved to 7.78% in the TTM period, recovering from a negative margin in 2024, indicating a return to profitability. EBIT and EBITDA margins have also improved, reflecting better operational efficiency.

Balance Sheet

The balance sheet of Rhinebeck Bancorp shows a stable financial position. The debt-to-equity ratio has improved to 0.24 in the TTM period from a high of 1.17 in 2023, indicating reduced leverage and better financial stability. Return on equity has improved to 3.97% in the TTM period, showing a positive trend. The equity ratio remains strong, reflecting a solid capital structure.

Cash Flow

Cash flow analysis reveals a strong performance with a significant free cash flow growth rate of 102.07% in the TTM period. The free cash flow to net income ratio is high at 89.38%, indicating efficient cash generation relative to net income. However, the operating cash flow to net income ratio is low, suggesting potential areas for improvement in operational cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	50.54M	54.26M	66.39M	54.53M	51.11M	52.69M
Gross Profit	32.24M	25.91M	42.00M	46.36M	50.49M	37.53M
EBITDA	4.08M	-9.51M	7.11M	10.55M	16.65M	8.88M
Net Income	2.36M	-8.62M	4.39M	7.00M	11.56M	5.92M
Balance Sheet
Total Assets	1.32B	1.26B	1.31B	1.34B	1.28B	1.13B
Cash, Cash Equivalents and Short-Term Investments	0.00	147.24M	159.05M	240.47M	299.73M	196.42M
Total Debt	31.76M	74.93M	133.22M	62.88M	23.20M	55.83M
Total Liabilities	1.18B	1.13B	1.20B	1.23B	1.16B	1.01B
Stockholders Equity	133.00M	121.83M	113.69M	108.13M	125.97M	116.50M
Cash Flow
Free Cash Flow	12.18M	7.68M	6.47M	13.66M	5.88M	12.98M
Operating Cash Flow	12.55M	8.47M	7.05M	14.79M	7.65M	14.85M
Investing Cash Flow	7.71M	74.75M	14.70M	-123.61M	-135.73M	-74.12M
Financing Cash Flow	36.82M	-67.86M	-31.00M	68.11M	106.69M	140.78M

Rhinebeck Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.82
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 10.82 is above the 20-day moving average (MA) of 10.09, above the 50-day MA of 10.62, and below the 200-day MA of 11.29, indicating a neutral trend. The MACD of 0.09 indicates Negative momentum. The RSI at 63.73 is Neutral, neither overbought nor oversold. The STOCH value of 94.87 is Negative, 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	76 Outperform	$136.74M	10.27	10.12%	2.75%	10.78%	21.72%
FNWD	74 Outperform	$166.11M	20.12	5.05%	1.26%	-7.20%	-29.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EBMT	64 Neutral	$130.65M	9.53	7.43%	3.44%	6.10%	59.32%
RBKB	62 Neutral	$108.50M	21.36	3.95%	―	22.30%	―
AFBI	58 Neutral	$120.89M	16.88	5.95%	―	5.18%	36.12%
FGBI	45 Neutral	$75.84M	―	-24.07%	0.84%	1.33%	-593.24%

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.