Rhinebeck Bancorp (RBKB) AI Stock Analysis

• Market Cap: $169.45M
• Dividend Yield: N/A
• Average Volume (3M): 7.65K
• Price to Earnings (P/E): 13.0
• Beta (1Y): 0.19
• 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: 11,140,395
• 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: 11.97
• Enterprise Value/Market Cap: 1.08
• Enterprise Value/Revenue: 2.41
• Enterprise Value/Gross Profit: 3.54
• Enterprise Value/Ebitda: 13.47
• 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: 68 Neutral
• Price Target: $17.50 ▲(61.74% Upside)
• Action: Reiterated Date: 03/14/26
• Date: Action: Reiterated 03/14/26

The score is driven primarily by improving (but still volatile) financial performance and strong, constructive price momentum (price above key moving averages with positive MACD). Valuation is reasonable based on the provided P/E, while the mutual conversion is a supportive corporate development that adds upside potential but carries execution/approval uncertainty.

Positive Factors

Recovery in profitability

The material swing back to positive net margin and revenue rebound indicates the bank has re-established profitable core lending and deposit operations. Sustained margin recovery supports internal capital formation, cushioning the franchise against cyclical shocks and aiding reinvestment over the medium term.

Negative Factors

Multi-year earnings and leverage volatility

Repeated swings between profitability and losses, and large leverage moves across years, indicate earnings and capital are sensitive to credit, interest-rate and operational variability. This persistent volatility reduces predictability of returns and complicates strategic planning and investor confidence over the medium term.

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...

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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...

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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

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	10.89M	7.68M	6.47M	13.66M	5.88M
Operating Cash Flow	11.74M	8.47M	7.05M	14.79M	7.65M
Investing Cash Flow	21.16M	74.75M	14.70M	-123.61M	-135.73M
Financing Cash Flow	31.60M	-67.86M	-31.00M	68.11M	106.69M

Rhinebeck Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 10.82
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Neutral. The current price of 10.82 is below the 20-day moving average (MA) of 15.70, below the 50-day MA of 14.21, and below the 200-day MA of 12.41, indicating a neutral trend. The MACD of 0.23 indicates Positive momentum. The RSI at 50.20 is Neutral, neither overbought nor oversold. The STOCH value of 25.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for RBKB.

Rhinebeck Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EBMT	70 Outperform	$162.57M	10.47	8.06%	2.93%	6.10%	59.32%
RBKB	68 Neutral	$169.45M	12.98	7.66%	―	22.30%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SBFG	66 Neutral	$127.18M	10.15	10.29%	2.69%	10.78%	21.72%
AFBI	62 Neutral	$121.23M	14.73	6.68%	―	5.18%	36.12%
FGBI	61 Neutral	$127.74M	-1.34	-23.30%	0.84%	1.33%	-593.24%
FNWD	58 Neutral	$158.67M	18.95	5.01%	0.97%	-7.20%	-29.17%

Rhinebeck Bancorp Corporate Events