Rhinebeck Bancorp (RBKB) AI Stock Analysis

• Market Cap: $176.77M
• Dividend Yield: N/A
• Average Volume (3M): 7.65K
• Price to Earnings (P/E): 17.5
• Beta (1Y): 0.14
• Revenue Growth: 22.30%
• EPS Growth: N/A
• Country: US
• Employees: 157
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.21
• Shares Outstanding: 11,145,681
• 10 Day Avg. Volume: 10,282
• 30 Day Avg. Volume: 7,647
• PEG Ratio: -0.06
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 1.72
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.08
• Enterprise Value/Revenue: 2.53
• Enterprise Value/Gross Profit: 3.71
• Enterprise Value/Ebitda: 14.13
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: $12.50 ▲(15.53% Upside)
• Action: Reiterated Date: 12/09/25
• Date: Action: Reiterated 12/09/25

Rhinebeck Bancorp's overall score reflects a stable financial performance with strong cash flow and improved leverage. However, technical indicators suggest the stock is overbought, and its high P/E ratio indicates overvaluation. The new CEO appointment is a positive strategic move but does not significantly impact the current score.

Positive Factors

Revenue Growth

Strong revenue growth indicates effective market strategies and potential for continued expansion in financial services.

Cash Flow Performance

Significant free cash flow growth enhances financial flexibility, supporting reinvestment and shareholder returns.

Leadership Change

New leadership with a strong background in financial services can drive strategic growth and innovation in digital banking.

Negative Factors

Gross Profit Margin Decline

A declining gross profit margin may impact profitability, necessitating cost management to maintain financial health.

Operational Cash Flow Efficiency

Low operational cash flow efficiency suggests potential challenges in converting earnings into cash, affecting liquidity.

Board Resignation

Board changes can disrupt governance and strategic oversight, potentially impacting long-term strategic decisions.

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 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 to sustain long-term growth.

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	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	75.84M	54.26M	66.39M	54.53M	51.11M
Gross Profit	51.71M	25.91M	42.00M	46.36M	50.49M
EBITDA	13.57M	-9.51M	7.11M	10.55M	16.65M
Net Income	10.04M	-8.62M	4.39M	7.00M	11.56M
Balance Sheet
Total Assets	1.30B	1.26B	1.31B	1.34B	1.28B
Cash, Cash Equivalents and Short-Term Investments	179.12M	147.24M	159.05M	240.47M	299.73M
Total Debt	30.31M	74.93M	133.22M	62.88M	23.20M
Total Liabilities	1.16B	1.13B	1.20B	1.23B	1.16B
Stockholders Equity	136.85M	121.83M	113.69M	108.13M	125.97M
Cash Flow
Free Cash Flow	0.00	7.68M	6.47M	13.66M	5.88M
Operating Cash Flow	0.00	8.47M	7.05M	14.79M	7.65M
Investing Cash Flow	0.00	74.75M	14.70M	-123.61M	-135.73M
Financing Cash Flow	0.00	-67.86M	-31.00M	68.11M	106.69M

Rhinebeck Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.82
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 below the 20-day moving average (MA) of 14.02, below the 50-day MA of 12.88, and below the 200-day MA of 11.99, indicating a bullish trend. The MACD of 1.00 indicates Negative momentum. The RSI at 74.74 is Negative, neither overbought nor oversold. The STOCH value of 86.42 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	75 Outperform	$131.07M	9.50	10.12%	2.69%	10.78%	21.72%
EBMT	75 Outperform	$176.06M	11.68	7.43%	2.93%	6.10%	59.32%
FNWD	73 Outperform	$155.30M	19.09	5.05%	0.97%	-7.20%	-29.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AFBI	64 Neutral	$121.63M	15.47	5.95%	―	5.18%	36.12%
RBKB	63 Neutral	$176.77M	17.51	3.95%	―	22.30%	―
FGBI	61 Neutral	$139.87M	-2.24	-24.07%	0.84%	1.33%	-593.24%