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Rhinebeck Bancorp
(NASDAQ:RBKB)
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Rating:71Outperform
Price Target:
$14.00
▲(9.55% Upside)
Action:Reiterated
Date:08/19/26
Overall score reflects improved financial stability (lower leverage, positive profitability, and stronger free cash flow) as the biggest support, tempered by the sharp TTM revenue decline and only moderate operating margins. Technicals add a constructive backdrop with price above key moving averages and positive MACD, while valuation is moderate based on the provided P/E and lacks dividend-yield support. Corporate events are a positive tailwind due to the completed conversion and related capital-structure actions.
Positive Factors
Stronger Capital Position
Much lower leverage and stable-to-growing equity improve Rhinebeck’s resilience against credit or funding stress. This provides greater balance-sheet flexibility for lending and operations over the next several quarters.
Negative Factors
Sharp Revenue Decline
A substantial revenue contraction can weaken net interest income and operating leverage if it persists. Stabilizing loan demand, asset yields, and fee activity will be important for making current profitability durable.
Read all positive and negative factors
Positive Factors
Negative Factors
Stronger Capital Position
Much lower leverage and stable-to-growing equity improve Rhinebeck’s resilience against credit or funding stress. This provides greater balance-sheet flexibility for lending and operations over the next several quarters.
Read all positive factors
Rhinebeck Bancorp (RBKB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$197.48M
Dividend YieldN/A
Average Volume (3M)7.65K
Price to Earnings (P/E)13.7
Beta (1Y)0.19
Revenue Growth34.21%
EPS GrowthN/A
CountryUS
Employees158
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.92
Shares Outstanding15,635,966
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
60
Neutral
Balance Sheet
74
Positive
Cash Flow
71
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 | 14.06M | 10.89M | 7.68M | 6.47M | 13.66M | 5.88M |
| Operating Cash Flow | 14.11M | 11.74M | 8.47M | 7.05M | 14.79M | 7.65M |
| Investing Cash Flow | 11.50M | 21.16M | 74.75M | 14.70M | -123.61M | -135.73M |
| Financing Cash Flow | 189.33M | 31.60M | -67.86M | -31.00M | 68.11M | 106.69M |
Rhinebeck Bancorp Technical Analysis
Positive
12.78
Price Trends
12.38
Positive
11.91
Positive
10.63
Positive
Market Momentum
0.13
Positive
53.50
Neutral
38.46
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 12.78 is above the 20-day moving average (MA) of 12.53, above the 50-day MA of 12.38, and above the 200-day MA of 10.63, indicating a bullish trend. The MACD of 0.13 indicates Positive momentum. The RSI at 53.50 is Neutral, neither overbought nor oversold. The STOCH value of 38.46 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $172.27M | 10.40 | 11.79% | 2.42% | 9.50% | 46.27% | |
71 Outperform | $197.48M | 13.73 | 7.20% | ― | 34.21% | ― | |
69 Neutral | $187.90M | 18.79 | 5.68% | 1.08% | 0.32% | 84.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $180.58M | 10.88 | 8.36% | 2.48% | 1.82% | 27.47% | |
45 Neutral | $135.62M | -3.14 | -16.19% | 0.84% | -8.66% | -155.96% |
* Financial Sector Average
RBKB
Rhinebeck Bancorp
12.63
3.07
32.04%
EBMT
Eagle Bancorp Montana
22.41
5.36
31.48%
SBFG
SB Financial Group
27.87
7.45
36.47%
FGBI
First Guaranty Bancshares
8.11
-0.26
-3.15%
FNWD
Finward Bancorp
43.03
11.35
35.81%
Rhinebeck Bancorp Corporate Events
Executive/Board Changes
Rhinebeck Bancorp Adds Suzanne Loughlin to Board
Positive
Aug 18, 2026
On August 18, 2026, Rhinebeck Bancorp, Inc. appointed Suzanne Rhulen Loughlin to its Board of Directors, effective immediately, and named her to both the Compensation Committee and the Governance and Nominating Committee. Loughlin brings extensive...
Business Operations and StrategyExecutive/Board Changes
Rhinebeck Bancorp Ends Executive Long-Term Incentive Plan
Neutral
Aug 14, 2026
On May 19, 2026, Rhinebeck Bank’s Board of Directors terminated the bank’s Executive Long-Term Incentive and Retention Plan, a non-qualified deferred compensation program for designated officers, including named executives Jamie Bloom ...
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...
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.