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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 $12.83, about 2.8% undervalued vs fair value, +79.2% 1Y return, ranked 368/1078 in sector.
Metrics P/E 9.4× Rev Growth 85.7% ROE 7.8% Gross Margin 96.9%
USD 12.83
-0.31%
(Delayed)
• Vol 90d: 20.2%
52-Week Range
Market Cap
$197.11M
Enterprise Value
$182.82M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 88%
Confidence: 90%
Updated: Oct 24
Top Beats

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
$25
Current: $12.83 +3% 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

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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
34
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.67), exceeding regulatory minimums.

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.29).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.25).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
22
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (42.5%), Profitability (23.5%), and Safety (33.9%). Growth 43% Safety 34% Profitability 24%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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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

38th percentile vs peers
39
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$13.19
- - -
+2.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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