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Rhinebeck Bancorp (RBKB) AI Stock Analysis
Rhinebeck Bancorp
(NASDAQ:RBKB)
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.
Rhinebeck Bancorp (RBKB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $203.27M
- Dividend Yield
- ―
- Average Volume (3M)
- 112.09K
- Price to Earnings (P/E)
- 15.0
- Beta (1Y)
- 0.13
- Revenue Growth
- 9.53%
- EPS Growth
- 103.97%
- Country
- US
- Employees
- 158
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 Yor...
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 as...
Rhinebeck Bancorp Financial Statement Overview
Summary
Financials are improved versus the prior downturn: profitability is positive (TTM net margin 16.3%) and free cash flow is up strongly (+39.5%) with reasonable earnings quality (~1.0x FCF to net income). Balance-sheet risk looks reduced with much lower leverage (TTM debt-to-equity ~0.07). The main drag is a sharp TTM revenue decline (-19.8%) and only modest operating profitability (~10% EBIT margin), which can pressure earnings durability if revenue does not stabilize.
Income Statement
60NeutralBalance Sheet
74PositiveCash Flow
71Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 61.60M | 75.84M | 54.26M | 66.39M | 54.53M | 51.11M |
| Gross Profit | 37.81M | 51.71M | 25.91M | 42.00M | 46.36M | 50.49M |
| EBITDA | 8.07M | 14.04M | -9.51M | 7.11M | 10.55M | 16.65M |
| Net Income | 10.32M | 10.04M | -8.62M | 4.39M | 7.00M | 11.56M |
Balance Sheet | ||||||
| Total Assets | 1.51B | 1.30B | 1.26B | 1.31B | 1.34B | 1.28B |
| Cash, Cash Equivalents and Short-Term Investments | 306.63M | 122.03M | 147.24M | 159.05M | 240.47M | 299.73M |
| Total Debt | 10.90M | 30.31M | 74.93M | 133.22M | 62.88M | 23.20M |
| Total Liabilities | 1.29B | 1.16B | 1.13B | 1.20B | 1.23B | 1.16B |
| Stockholders Equity | 220.84M | 136.85M | 121.83M | 113.69M | 108.13M | 125.97M |
Cash Flow | ||||||
| Free Cash Flow | 11.53M | 10.89M | 7.68M | 6.47M | 13.66M | 5.88M |
| Operating Cash Flow | 11.88M | 11.74M | 8.47M | 7.05M | 14.79M | 7.65M |
| Investing Cash Flow | 36.11M | 21.16M | 74.75M | 14.70M | -123.61M | -135.73M |
| Financing Cash Flow | 153.11M | 31.60M | -67.86M | -31.00M | 68.11M | 106.69M |
Rhinebeck Bancorp Technical Analysis
Price Trends
Market Momentum
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 13.24 is above the 20-day moving average (MA) of 12.88, above the 50-day MA of 12.87, and above the 200-day MA of 11.78, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 56.69 is Neutral, neither overbought nor oversold. The STOCH value of 65.45 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.
Latest Risks Added
3 New RisksRhinebeck Bancorp Peers Comparison
Overall Rating
SBFG72Outperform- RBKB71Outperform
FNWD70Outperform
EBMT63Neutral
FGBI60Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SBFG | 72Outperform | $179.20M | 10.61 | 11.57% | 2.22% | 9.01% | 26.10% |
| RBKB | 71Outperform | $203.27M | 15.04 | 6.49% | ― | 9.53% | 103.97% |
| FNWD | 70Outperform | $188.16M | 24.43 | 4.50% | 1.10% | -0.28% | -6.38% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| EBMT | 63Neutral | $166.32M | 10.43 | 7.98% | 2.83% | 1.34% | 13.99% |
| FGBI | 60Neutral | $196.00M | 10.48 | 9.18% | 0.34% | -2.49% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| RBKB | Rhinebeck Bancorp | 13.24 | 6.34 | 91.80% | |
| EBMT | Eagle Bancorp Montana | 20.55 | 4.42 | 27.39% | |
| SBFG | SB Financial Group Inc | 28.43 | 7.89 | 38.42% | |
| FGBI | First Guaranty Bancshares | 11.74 | 5.85 | 99.42% | |
| FNWD | Finward Bancorp | 43.74 | 10.78 | 32.71% |
Rhinebeck Bancorp Corporate Events
Rhinebeck Bancorp Adds Suzanne Loughlin to Board
PositiveOn 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 ex...
Rhinebeck Bancorp Ends Executive Long-Term Incentive Plan
NeutralOn 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 and...
Rhinebeck Bancorp Completes Second-Step Conversion to Full Public
PositiveOn 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 com...
Rhinebeck Bancorp announces oversubscribed mutual-to-stock conversion
PositiveOn 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, leavin...
Rhinebeck Bancorp Advances Plan to Fully Demutualize
PositiveOn 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 holding...
Rhinebeck Bancorp Launches Second-Step Conversion Stock Offering
PositiveOn 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 into a...
Rhinebeck Bancorp Shareholders Back Directors and Executive Pay
PositiveRhinebeck 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 withhe...
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.
Date of analysis: Aug 19, 2026