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RBKB

HOLD

Rhinebeck Bancorp, Inc. · Financial Services · United States · $194M · Avg Vol: $2M/d

60
StockRank
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Q
47
V
35
M
72
P/E (TTM)
18.7x
ROE
7.5%
D/E
0.2x
Dividend %
—
Dir. Trades · 180d
+$656.4K · −$66.2K →
Buybacks · 180d
$220K →

COMPANY DESCRIPTION

Rhinebeck Bancorp, Inc. is the holding company for Rhinebeck Bank, a community bank providing traditional banking services to individuals and businesses in the Hudson Valley region of New York. The bank emphasizes local decision-making and personalized customer service, building long-term relationships within its geographic footprint. This community-centric model offers a competitive moat against larger institutions by fostering strong local loyalty and understanding of market-specific needs.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM
Revenue47.8M43.7M28.7M53.4M3.8%51.9M
EPS0.650.41-0.800.9312.7%0.94
Shares11.3M11.1M11.1M11.1M-1.3%11.1M
Debt62.9M133.2M74.9M30.3M-21.6%22.7M
Equity108.1M113.7M121.8M136.9M8.2%—
Op CF14.8M7.0M8.5M11.7M-7.4%10.9M
Inv CF-123.6M14.7M74.7M21.2M——
Fin CF68.1M-31.0M-67.9M31.6M——
Loading 1Y...
PRICE (1Y)-26.4%
12.0413.4414.8416.2517.65Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$12.30
RSI (14)
51.7
52W High
$12.88
From 52W High
1.0%

SCORE BREAKDOWN

Quality
47
ROIC (ROA)
0.8%*31.4
ROE
7.5%38.1
GP/Assets
4.0%N/A
Op. Margin
24.4%43.4
FCF/Assets
0.7%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.22xN/A
Current Ratio
bankN/A
Value
35
P/E (TTM)
18.7x28.2
EV/EBITDA
bankN/A
P/FCF
20.3xN/A
P/B
1.4x39.5
P/S
3.8x50.3
Div Yield
—N/A
Momentum
72
52W High %
96%63.1
RS 6M
32%95.0
SMA 50/200
1.19x92.6
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
-3%26.6

FUNDAMENTALS

Market Cap
$194M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of RBKB are excluded.

TickerCompanyMkt CapStockRankSignal
RBKBRhinebeck Bancorp, Inc.(you)$194M60HOLD
HNVRHanover Bancorp, Inc.$179M60HOLD
MRBKMeridian Corporation$236M60HOLD
EFSIEagle Financial Services, Inc.$219M58HOLD
FNWDFinward Bancorp$193M54HOLD
RMBIRichmond Mutual Bancorporation, Inc.$249M63HOLD
OVBCOhio Valley Banc Corp.$199M51HOLD
LSBKLake Shore Bancorp, Inc.$135M63HOLD
CFBKCF Bankshares Inc.$217M68BUY
MGYRMagyar Bancorp, Inc.$118M62HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Rhinebeck Bancorp, Inc. (RBKB) — Stock Score Summary

Rhinebeck Bancorp, Inc. (RBKB) has a MoatMap StockRank of 60/100 based on Quality (47/100), Value (35/100), and Momentum (72/100) factor scores. The current signal is HOLD.

Rhinebeck Bancorp, Inc. is the holding company for Rhinebeck Bank, a community bank providing traditional banking services to individuals and businesses in the Hudson Valley region of New York. The bank emphasizes local decision-making and personalized customer service, building long-term relationships within its geographic footprint. This community-centric model offers a competitive moat against larger institutions by fostering strong local loyalty and understanding of market-specific needs.

Key Financial Metrics

Price$12.30
Market Cap$194M
P/E (TTM)18.66
Price/Book1.38
Return on Equity7.5%
Debt/Equity0.22x
Operating Margin24.4%
Revenue Growth1.2%
Free Cash Flow$10M

Rhinebeck Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Rhinebeck Bancorp, Inc.’s (RBKB) StockRank?
MoatMap’s StockRank for Rhinebeck Bancorp, Inc. (RBKB) is 60/100, with a Hold signal. It is a composite of Quality (47), Value (35), and Momentum (72) factor ranks across MoatMap’s 20,000+ stock universe.
Does Rhinebeck Bancorp, Inc. have an economic moat?
Rhinebeck Bancorp, Inc. (RBKB) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Rhinebeck Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Rhinebeck Bancorp, Inc. (RBKB) is Hold, based on a StockRank of 60/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Rhinebeck Bancorp, Inc. in?
Rhinebeck Bancorp, Inc. (RBKB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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