Rhinebeck Bancorp, Inc. (RBKB)

NASDAQ: RBKB · USD

$12.9

-0.01 (-0.1%)· Recorded snapshot

Market cap	197.6M
Revenue (ttm)	52.1M
Net income (ttm)	9.9M
EPS (ttm)	$0.64
Shares out	15.4M
P/E (trailing)	20.0x
Volume	16,034
Beta	0.17

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 52.1M
Net income (ttm): 9.9M
EPS (ttm): $0.64
P/E (trailing): 20.0x
Market cap: 197.6M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Acquisto forte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Acquisto forte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantenere

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E20

P25 n/aP50 n/aP75 n/a

ROE7.3

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All RBKB indicators

Market & fundamental data

Available fields

217

Groups with data

Currency

USD

Showing 217 of 217 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001751783
Company name	Rhinebeck Bancorp, Inc.
Country	United States
Country code	US
CUSIP number	762093201
Earnings date	2026-11-10
Earnings time	amc
Employees	165
Employees change	-3
Employees growth	-1.79%
Enterprise value	$-90.6M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1860
In index	RUSSELL2000
Industry	Banks - Regional
IPO date	2019-01-17
Is primary listing	Yes
Is SPAC	No
ISIN number	US7620932019
Last 10-K release date	2026-03-13
Last earnings date	2026-07-23
Last refreshed	2026-10-28
Last stock split date	2026-07-22
Last stock split type	Forward
Market cap	$197.6M
Market cap category	Micro-Cap
Next earnings date	2026-11-10
Options	No
Price	$12.86
Price currency	USD
Sector	Financials
SIC code	6036
Stock price date	2026-10-28
Symbol	RBKB
U.S. state	New York
Website	https://www.rhinebeckbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	15.97x
Average P/E ratio (3Y)	18.67x
Average P/E ratio (5Y)	15.37x
Earnings yield	5.01%
FCF / EV yield	-14.06%
FCF yield	6.43%
Graham number	11.51736
Graham upside	-10.51%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$3.22
Lynch upside	-74.99%
P/B ratio	1.41x
P/E ratio	19.97x
P/FCF ratio	15.55x
P/OCF ratio	14.01x
P/S ratio	3.8x
Price / tangible book value	1.44x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	21.09%
FCF margin	24.43%
Operating margin	25.86%
Pretax margin	24.01%
Profit margin	18.95%
Profit per employee	$59,776
Profitable quarters	6
Profitable years	1
Revenue per employee	$315,455
ROA	0.72%
ROA (5Y)	0.39%
ROE	7.35%
ROE (5Y)	3.98%
SBC / revenue	0.75%
Tax / revenue	5.06%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth (Q)	-4.03%
EPS growth (QoQ)	19.99%
EPS growth 3Y	24.16%
EPS growth 5Y	0.88%
EPS growth years	1
FCF growth	110.98%
FCF growth (Q)	139.8%
FCF growth (QoQ)	86.88%
FCF growth 3Y	15.17%
FCF growth 5Y	-0.46%
Net income growth (Q)	-4.04%
Net income growth (QoQ)	18.05%
Net income growth 3Y	24.23%
Net income growth 5Y	1.01%
Net income growth years	1
OCF growth	109.25%
OCF growth (Q)	130.27%
OCF growth (QoQ)	58.88%
OCF growth 3Y	16.16%
OCF growth 5Y	-1.01%
Revenue growth	67.81%
Revenue growth (Q)	1.45%
Revenue growth (QoQ)	6.33%
Revenue growth 3Y	5.74%
Revenue growth 5Y	3.13%
Revenue growth quarters	6
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-1.4M
EPS	$0.64
FCF per share	$0.83
Financing cash flow	$189.3M
Free cash flow	$12.7M
Gross profit	$52.1M
Income taxes	$2.6M
Investing cash flow	$11.5M
Net borrowing	$-21.5M
Net cash flow	$214.9M
Net income	$9.9M
Operating income	$13.5M
Revenue	$52.1M
Stock-based compensation	$388,000

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$9.16
Debt / equity	0.16
Debt / FCF	1.72
Goodwill	$2.2M
Net cash (debt)	$288.2M
Net cash / market cap	145.75%
Net cash growth	468.34%
Net debt / equity	-2.06
Net debt / FCF	-22.66
Piotroski F-Score	4
Property, plant and equipment	$19.2M
Shareholders' equity	$139.6M
Tangible book value	$137.3M
Tangible book value per share	$9.00
Total assets	$1.5B
Total cash	$310.1M
Total debt	$21.9M
Total liabilities	$1.3B
WACC	4.66%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-983.8M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-1.85%
Dividend yield	0%
Shareholder yield	-1.85%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$12.15
1D price change	-0.08%
1M price change	0.23%
1M total return	0.23%
1W price change	0.63%
1W total return	0.63%
1Y price change	83.06%
1Y return CAGR	83.13%
1Y total return	83.05%
20-day SMA	$12.91
200-day SMA	$11.65
3M price change	4.55%
3M total return	4.55%
3Y price change	170.34%
3Y return CAGR	39.29%
3Y total return	170.31%
50-day SMA	$12.85
50-day SMA vs 200-day SMA	50over200
52-week high	$13.29
52-week high date	2026-10-06
52-week low	$6.73
52-week low date	2025-11-05
5Y price change	65.21%
5Y return CAGR	10.57%
5Y total return	65.22%
6M price change	12%
6M total return	12%
All-time high	$13.29
All-time high date	2026-10-06
All-time low	$4.22
All-time low date	2020-03-25
Average true range (ATR)	$0.18
Average volume	67.9K
Beta (1Y)	-0.25
Beta (2Y)	0.13
Beta (5Y)	0.17
Change from 52-week high	-3.2%
Change from 52-week low	91.03%
Change from all-time high	-3.2%
Change from all-time low	204.67%
Change from open	0.08%
Day's gap	-0.16%
Dollar volume	$206,197
High price	$12.86
Low price	$12.85
Monthly RSI	72.37
Open price	$12.85
Position in 52-week range	100%
Previous close	$12.87
Price vs 150-day SMA	5.89%
Price vs 20-day SMA	-0.41%
Price vs 200-day SMA	10.38%
Price vs 50-day SMA	0.11%
Relative volume	0.24
Return from IPO open	59.21%
Return from IPO price	28.71%
RSI	50
Sharpe ratio	1.78
Sharpe ratio (3Y)	1
Sharpe ratio (5Y)	0.37
Sortino ratio	4.22
Sortino ratio (3Y)	2.14
Sortino ratio (5Y)	0.87
Volume	16K
Weekly RSI	62.59
YTD price change	49.55%
YTD total return	49.55%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	14.5M
Float percentage	94.56%
Shares change (QoQ)	-0.23%
Shares change (YoY)	1.85%
Shares held by insiders	1.97%
Shares held by institutions	12.91%
Shares outstanding	15.4M
Short % of float	2.5%
Short % of shares	2.36%
Short ratio	2.3 days

Deeper analysis on RBKB

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this RBKB report

Is a complete RBKB research report available?

No complete published report is available for Rhinebeck Bancorp, Inc. (RBKB) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Rhinebeck Bancorp, Inc. (RBKB)

Price

Financial snapshot

Fair-value bridge

Latest news · RBKB

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All RBKB indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on RBKB

Frequently asked questions