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Company Analysis

Rhinebeck Bancorp, Inc. RBKB

A comprehensive view of key metrics, scores, and financial health for Rhinebeck Bancorp, Inc.

Overview of Rhinebeck Bancorp, Inc.

RBKB NCM
Financial Services Banks - Regional Micro Cap
Rhinebeck Bancorp, Inc. (RBKB), is a Micro Cap company, in the Banks - Regional industry, last closed at $16.01, about 21.5% overvalued vs fair value, +53.5% 1Y return, ranked 807/1004 in sector.
$16.01
0.00%
As of March 13, 2026
Previous close • Vol 90d: 47.1%
52-Week Range
Market Cap
$172.84M
Enterprise Value
$186.23M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.rhinebeckbank.com
HQ Poughkeepsie, NY
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$13
$24
Current: $16.01 -22% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$63.8M
5.1%%
Interest Expense
$22.5M
Net Interest Income
$38.2M
0.7%%
Total Revenue
$75.8M
164%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-7.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Rhinebeck Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
35
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
12
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing RBKB's balance between Growth (80.8%), Profitability (15.6%), and Safety (3.6%). Growth 81% Safety 4% Profitability 16%

Click axes to expand details. Marker shows current allocation.

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Growth

64th percentile vs peers
65
Key Signals
Rev Growth YoY 1.64 95p Asset Growth YoY 3.7% 49p Revenue CAGR 3Y 16.7% 41p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.64, 95th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

12th percentile vs peers
13
Key Signals
Strengths
Risks
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Safety

2th percentile vs peers
3
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Rhinebeck Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$12.56
- - -
-21.5% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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