What is Rhinebeck Bancorp, Inc.'s (RBKB) StockRank?

MoatMap's StockRank for Rhinebeck Bancorp, Inc. (RBKB) is 60/100, with a Hold signal. This is a composite score combining Quality (47), Value (40), and Momentum (69) factor ranks across MoatMap's universe of 25,000+ stocks.

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 financial 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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RBKB

HoldHot Air

Rhinebeck Bancorp, Inc. · Financial Services · United States · $197M · Avg Vol: $2M/d

StockRank

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P/E (TTM)

14.2x

ROE

7.3%

D/E

0.2x

Dividend %

—

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)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	47.8M	43.7M	28.7M	53.4M	3.8%	52.0M
EPS	0.65	0.41	-0.80	0.93	12.7%	0.90
Shares	11.3M	11.1M	11.1M	11.1M	-1.3%	—
Debt	62.9M	133.2M	74.9M	30.3M	-21.6%	21.9M
Equity	108.1M	113.7M	121.8M	136.9M	8.2%	—
Op CF	14.8M	7.0M	8.5M	11.7M	-7.4%	14.1M
Inv CF	-123.6M	14.7M	74.7M	21.2M	—	—
Fin CF	68.1M	-31.0M	-67.9M	31.6M	—	—

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PRICE (1Y)+4.7%

SMA 50SMA 200

$13.07

RSI (14)

62.0

52W High

$13.23

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.7%*28.9

ROE

7.3%36.4

GP/Assets

4.0%N/A

Op. Margin

27.2%43.4

FCF/Assets

0.7%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.22xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

14.2x42.8

EV/EBITDA

bankN/A

P/FCF

20.6xN/A

P/B

1.4x40.5

P/S

3.9x46.9

Div Yield

—N/A

Momentum

52W High %

99%94.3

RS 6M

3%59.5

SMA 50/200

1.14x84.2

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

-4%23.6

FUNDAMENTALS

Market Cap

$197M

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.

Ticker	Company	Mkt Cap	StockRank	Signal
RBKB	Rhinebeck Bancorp, Inc.(you)	$197M	60	Hold
EBMT	Eagle Bancorp Montana, Inc.	$181M	63	Hold
EFSI	Eagle Financial Services, Inc.	$225M	64	Hold
CFBK	CF Bankshares Inc.	$225M	64	Hold
MRBK	Meridian Corporation	$230M	57	Hold
MNSB	MainStreet Bancshares, Inc.	$179M	66	Buy
FSBW	FS Bancorp, Inc.	$302M	61	Hold
HNVR	Hanover Bancorp, Inc.	$189M	68	Buy
OVLY	Oak Valley Bancorp	$286M	58	Hold
JMSB	John Marshall Bancorp, Inc.	$324M	61	Hold

Peer medians: ROE 9.5% · P/E 13.1x · 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 (40/100), and Momentum (69/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$13.07
Market Cap	$197M
P/E (TTM)	14.24
Price/Book	1.40
Return on Equity	7.3%
Debt/Equity	0.22x
Operating Margin	27.2%
Revenue Growth	1.4%
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 (40), and Momentum (69) factor ranks across MoatMap’s universe of 25,000+ stocks.
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).