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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 Framework: Banks & Lenders Micro Cap
Rhinebeck Bancorp, Inc. (RBKB), is a Micro Cap company, in the Banks - Regional industry, last closed at $17.65, about 25.9% overvalued vs fair value, +38.4% 1Y return, ranked 853/1078 in sector.
Metrics P/E 13.1× Rev Growth 85.7% ROE 7.8% Gross Margin 96.9%
USD 17.65
0.63%
(Delayed)
• Vol 90d: 22.9%
52-Week Range
Market Cap
$186.94M
Enterprise Value
$176.47M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 84%
Updated: Jul 5
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: $17.65 -26% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$68.9M
8.9%%
Interest Expense
$22.5M
Net Interest Income
$46.4M
23.1%%
Total Revenue
$53.4M
85.7%%
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
7.3%
Fair

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
37
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
26
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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 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing RBKB's balance between Growth (45.7%), Profitability (18.1%), and Safety (36.1%). Growth 46% Safety 36% Profitability 18%

Click axes to expand details. Marker shows current allocation.

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Growth

69th percentile vs peers
70
Key Signals
NII Growth YoY 23.1% 83p EPS Growth YoY 2.14 94p Asset Growth YoY 3.7% 44p Equity Growth YoY 12.3% 63p
Strengths
  • NII Growth YoY in top 20% of peers (23.1%, 83th percentile)
  • EPS Growth YoY in top 20% of peers (2.14, 94th percentile)
  • Growth above peer median with strong metric coverage (80%)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

27th percentile vs peers
28
Key Signals
Strengths
Risks
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Safety

55th percentile vs peers
55
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
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Bear
-
- - -
- upside
-
Base
$13.07
- - -
-25.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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