Rhinebeck Bancorp, Inc.
RBKB · Price history
Price at last available close
$12.83
+$0.03 (+0.23%) 1M
2026-10-28
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Company & revenue
About Rhinebeck Bancorp, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Rhinebeck Bancorp, Inc. functions as the holding company for Rhinebeck Bank, which is dedicated to providing a full spectrum of banking and financial services. These offerings cater to both individual consumers and business clients throughout New York's Hudson Valley region. The company's financial products include various deposit accounts, automobile financing, and a wide range of real estate loans.
How they make money
Rhinebeck Bancorp, Inc. operates as a bank holding company for Rhinebeck Bank, generating revenue primarily through net interest income earned on loans and investment securities, as well as non-interest income from service charges, fees, and investment advisory services provided through its Rhinebeck Asset Management division.
Products & services
The company provides a range of banking products including commercial and residential real estate loans, commercial business loans, consumer loans, and various deposit products such as savings, checking, and money market accounts, alongside investment advisory services.
Brands & revenue mix
The primary banking brand through which the company conducts its operations.
Separate brand revenue is not available in this research.Source
A division of the bank providing investment advisory and financial product sales.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Technology and core banking service providers — The company relies on third-party vendors for core banking software, data processing, and information technology infrastructure services.Source
Strengths
- Established community banking presence in New YorkSource
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Quarterly revenue fell 81.4% versus the same quarter last year.
Check comparable business scope and currency, then separate volume, pricing and divestitures. One weaker quarter does not establish that the same decline will continue.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
49
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
39
Poor
Financial Strength
29
Business Quality / Moat
44
Management
72
Growth Quality
10
Risk / Durability
31
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
79
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
70/100
Building Historical Record
Model Score 70/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Insider activity signal is favorable
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for RBKB
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving RBKB's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is RBKB's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is RBKB likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is RBKB's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of RBKB's score?
Essential Investment Snapshot
Wall Street Score
49
Opportunity Score
79
Market Cap
$200.6M
P/E Ratio
14.0
EPS
$0.92
52-Week High
$13.29
52-Week Low
$6.74
Beta
0.17
Intrinsic Value
$29.22
Shares Outstanding
11.0M
Total Revenue
$60.6M
Total Debt
$10.3M
Dividend
No current dividend
Liquidation Value / Share
$12.74
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for RBKB
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.6x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on RBKB.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Established community banking presence in New York.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate risk and fluctuations in market rates.
- −Credit risk associated with commercial real estate loan concentrations.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
49
Oct 1, 2026
Change
-0.1
points
Current Score
49
Oct 15, 2026
Category Changes
RBKB decreased 0.1 points because some fundamentals weakened.
Projected Score
Projected Score
51
Projected Change
+2.4 points
Preliminary comparable-period financial changes suggest improvement of approximately 2.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$12.83
Model Intrinsic Value
$29.22
Difference
−$16.39
-56.1% vs IV
Margin of Safety
56.1%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $60.6M | $75.8M | $54.3M | $66.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $24.0M | $24.1M | $28.3M | $24.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $36.6M | $51.7M | $25.9M | $42.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $12.3M | $12.1M | $22.1M | $21.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $30.3M | $39.0M | $36.9M | $36.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $7.6M | $14.0M | -$9.5M | $7.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $6.3M | $12.7M | -$10.9M | $5.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $22.1M | $22.5M | $25.5M | $22.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $12.5M | $12.7M | -$10.9M | $5.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $2.6M | $2.6M | -$2.3M | $1.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $9.9M | $10.0M | -$8.6M | $4.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.92 | $0.93 | $-0.80 | $0.41 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 10.84M | 10.85M | 10.76M | 10.79M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 10.97M | 10.96M | 10.76M | 10.86M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$3.4M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.24
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-67.5%
Cash Change
-12.9%
Margin Change
+61.8 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included debt levels, net income margin. Pressure indicators included revenue growth, EPS growth, cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 81.4%. EPS declined 4.0%. Cash declined 12.9%. Total debt declined 67.5%. Net income margin improved by 61.8 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · RBKB
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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