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Rhinebeck Bancorp
(NASDAQ:RBKB)
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Rating:69Neutral
Price Target:
$13.00
▲(20.15% Upside)
Action:Downgraded
Date:07/23/26
The score is primarily driven by improved financial health—profitability has recovered and leverage has fallen materially—tempered by notably volatile revenue and cash-flow trends. Corporate events are supportive due to the completed demutualization/stock offering process, while technical indicators are mixed (neutral momentum with some near-term softness). Valuation is reasonable at ~13x earnings, but the lack of dividend-yield data limits upside support from income-based valuation.
Positive Factors
Balance-sheet strength
Leverage has been cut materially over several years, leaving the bank with low financial risk and greater capacity to absorb credit shocks. A stronger equity base improves regulatory headroom and gives durable optionality to fund lending, absorb losses, or support strategic investments.
Negative Factors
Revenue volatility
A large recent decline in revenue and historically volatile top-line trends suggest earnings are sensitive to rate and credit cycles. Such revenue instability makes multi-quarter planning harder, increases forecasting risk, and may pressure margins if lending volumes or yields deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance-sheet strength
Leverage has been cut materially over several years, leaving the bank with low financial risk and greater capacity to absorb credit shocks. A stronger equity base improves regulatory headroom and gives durable optionality to fund lending, absorb losses, or support strategic investments.
Read all positive factors
Rhinebeck Bancorp (RBKB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$187.66M
Dividend YieldN/A
Average Volume (3M)7.65K
Price to Earnings (P/E)13.0
Beta (1Y)0.15
Revenue Growth34.21%
EPS GrowthN/A
CountryUS
Employees158
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.92
Shares Outstanding15,638,237
10 Day Avg. Volume10,282
30 Day Avg. Volume7,647
Financial Highlights & Ratios
PEG Ratio-0.04
Price to Book (P/B)0.68
Price to Sales (P/S)1.23
P/FCF Ratio8.56
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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. functions as the holding company for Rhinebeck Bank, which is dedicated to providing a full spectrum of banking and financial services. These offerings cater to both individual consumers and business clients throughout New ...
How the Company Makes Money
Rhinebeck Bancorp primarily makes money through its bank subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between (a) interest and fees collected on loans and other interest-earning...
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 | 60.59M | 75.84M | 54.26M | 66.39M | 54.53M | 51.11M |
| Gross Profit | 36.59M | 51.71M | 25.91M | 42.00M | 46.36M | 50.49M |
| EBITDA | 6.50M | 13.57M | -9.51M | 7.11M | 10.55M | 16.65M |
| Net Income | 9.86M | 10.04M | -8.62M | 4.39M | 7.00M | 11.56M |
Balance Sheet | ||||||
| Total Assets | 1.47B | 1.30B | 1.26B | 1.31B | 1.34B | 1.28B |
| Cash, Cash Equivalents and Short-Term Investments | 192.34M | 122.03M | 147.24M | 159.05M | 240.47M | 299.73M |
| Total Debt | 10.31M | 30.31M | 74.93M | 133.22M | 62.88M | 23.20M |
| Total Liabilities | 1.33B | 1.16B | 1.13B | 1.20B | 1.23B | 1.16B |
| Stockholders Equity | 139.60M | 136.85M | 121.83M | 113.69M | 108.13M | 125.97M |
Cash Flow | ||||||
| Free Cash Flow | 7.83M | 10.89M | 7.68M | 6.47M | 13.66M | 5.88M |
| Operating Cash Flow | 8.52M | 11.74M | 8.47M | 7.05M | 14.79M | 7.65M |
| Investing Cash Flow | 8.75M | 21.16M | 74.75M | 14.70M | -123.61M | -135.73M |
| Financing Cash Flow | 6.01M | 31.60M | -67.86M | -31.00M | 68.11M | 106.69M |
Rhinebeck Bancorp Technical Analysis
Positive
10.82
Price Trends
12.07
Positive
11.65
Positive
10.20
Positive
Market Momentum
<0.01
Positive
49.67
Neutral
40.99
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 10.82 is below the 20-day moving average (MA) of 12.21, below the 50-day MA of 12.07, and above the 200-day MA of 10.20, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 49.67 is Neutral, neither overbought nor oversold. The STOCH value of 40.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $164.91M | 9.81 | 11.79% | 2.42% | 9.40% | 46.37% | |
72 Outperform | $192.65M | 19.41 | 5.68% | 1.08% | 0.36% | 84.94% | |
69 Neutral | $187.66M | 13.04 | 7.20% | ― | 34.21% | ― | |
69 Neutral | $140.18M | 16.31 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $186.63M | 11.37 | 8.36% | 2.48% | 1.98% | 27.47% | |
50 Neutral | $158.61M | -3.72 | -20.17% | 0.84% | -8.44% | -155.96% |
* Financial Sector Average
RBKB
Rhinebeck Bancorp
12.16
3.22
36.09%
EBMT
Eagle Bancorp Montana
23.69
8.32
54.08%
SBFG
SB Financial Group
26.52
6.78
34.36%
FGBI
First Guaranty Bancshares
9.40
1.39
17.41%
AFBI
Affinity Bancshares
23.00
3.85
20.10%
FNWD
Finward Bancorp
45.27
18.12
66.76%
Rhinebeck Bancorp Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Rhinebeck Bancorp Completes Second-Step Conversion to Full Public
Positive
Jul 21, 2026
On July 21, 2026, Rhinebeck Bancorp, Inc. announced it had completed the previously reported “second‑step” conversion of Rhinebeck Bancorp, MHC, moving from a two‑tier mutual holding company to a fully public stock holding ...
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
Rhinebeck Bancorp announces oversubscribed mutual-to-stock conversion
Positive
Jul 17, 2026
On July 17, 2026, Rhinebeck Bancorp, Inc. reported that the subscription offering tied to the mutual‑to‑stock conversion of Rhinebeck Bancorp, MHC was oversubscribed in the first tier by eligible depositors as of December 31, 2024, lea...
Business Operations and StrategyPrivate Placements and FinancingShareholder Meetings
Rhinebeck Bancorp Advances Plan to Fully Demutualize
Positive
Jun 29, 2026
On June 29, 2026, Rhinebeck Bancorp, Inc. announced that its stockholders and the depositors of Rhinebeck Bank approved an Amended and Restated Plan of Conversion and Reorganization. The plan will convert Rhinebeck Bancorp, MHC from a mutual holdi...
Business Operations and StrategyPrivate Placements and Financing
Rhinebeck Bancorp Launches Second-Step Conversion Stock Offering
Positive
May 26, 2026
On May 26, 2026, Rhinebeck Bancorp, Inc. launched a public stock offering of up to 8,912,500 common shares at $10 per share as part of a planned “second‑step” conversion of Rhinebeck Bancorp, MHC from a mutual holding company int...
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.