RHINEBECK BANCORP INC (RBKB) Fundamental Analysis & Valuation

NASDAQ:RBKB • US7620931029

Current stock price

15.41 USD
+0.01 (+0.06%)
Last:

This RBKB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. RBKB Profitability Analysis

1.1 Basic Checks

  • In the past year RBKB was profitable.
  • In the past year RBKB had a positive cash flow from operations.
  • Of the past 5 years RBKB 4 years were profitable.
  • RBKB had a positive operating cash flow in each of the past 5 years.
RBKB Yearly Net Income VS EBIT VS OCF VS FCFRBKB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M -5M 10M

1.2 Ratios

  • RBKB has a worse Return On Assets (0.77%) than 67.63% of its industry peers.
  • RBKB's Return On Equity of 7.34% is on the low side compared to the rest of the industry. RBKB is outperformed by 68.42% of its industry peers.
Industry RankSector Rank
ROA 0.77%
ROE 7.34%
ROIC N/A
ROA(3y)0.14%
ROA(5y)0.37%
ROE(3y)1.38%
ROE(5y)3.96%
ROIC(3y)N/A
ROIC(5y)N/A
RBKB Yearly ROA, ROE, ROICRBKB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5

1.3 Margins

  • The Profit Margin of RBKB (18.82%) is worse than 75.79% of its industry peers.
  • RBKB's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for RBKB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.82%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.68%
PM growth 5Y7.28%
GM growth 3YN/A
GM growth 5YN/A
RBKB Yearly Profit, Operating, Gross MarginsRBKB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20 -30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. RBKB Health Analysis

2.1 Basic Checks

  • RBKB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, RBKB has more shares outstanding
  • Compared to 5 years ago, RBKB has more shares outstanding
  • Compared to 1 year ago, RBKB has an improved debt to assets ratio.
RBKB Yearly Shares OutstandingRBKB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
RBKB Yearly Total Debt VS Total AssetsRBKB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • The Debt to FCF ratio of RBKB is 0.47, which is an excellent value as it means it would take RBKB, only 0.47 years of fcf income to pay off all of its debts.
  • RBKB has a better Debt to FCF ratio (0.47) than 81.32% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that RBKB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.04, RBKB belongs to the top of the industry, outperforming 83.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.47
Altman-Z N/A
ROIC/WACCN/A
WACC14.77%
RBKB Yearly LT Debt VS Equity VS FCFRBKB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RBKB Yearly Current Assets VS Current LiabilitesRBKB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. RBKB Growth Analysis

3.1 Past

  • RBKB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 214.20%, which is quite impressive.
  • The Earnings Per Share has been growing by 10.76% on average over the past years. This is quite good.
  • RBKB shows a strong growth in Revenue. In the last year, the Revenue has grown by 85.87%.
  • Measured over the past years, RBKB shows a small growth in Revenue. The Revenue has been growing by 3.62% on average per year.
EPS 1Y (TTM)214.2%
EPS 3Y12.72%
EPS 5Y10.76%
EPS Q2Q%186.53%
Revenue 1Y (TTM)85.87%
Revenue growth 3Y3.78%
Revenue growth 5Y3.62%
Sales Q2Q%69.12%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
RBKB Yearly Revenue VS EstimatesRBKB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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1

4. RBKB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.75, which indicates a correct valuation of RBKB.
  • Compared to the rest of the industry, the Price/Earnings ratio of RBKB indicates a slightly more expensive valuation: RBKB is more expensive than 79.21% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of RBKB to the average of the S&P500 Index (26.21), we can say RBKB is valued slightly cheaper.
Industry RankSector Rank
PE 16.75
Fwd PE N/A
RBKB Price Earnings VS Forward Price EarningsRBKB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • 66.32% of the companies in the same industry are cheaper than RBKB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 15.76
EV/EBITDA N/A
RBKB Per share dataRBKB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.56
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. RBKB Dividend Analysis

5.1 Amount

  • No dividends for RBKB!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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RBKB Fundamentals: All Metrics, Ratios and Statistics

RHINEBECK BANCORP INC

NASDAQ:RBKB (4/6/2026, 8:04:59 PM)

15.41

+0.01 (+0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners19.64%
Inst Owner Change0%
Ins Owners2.21%
Ins Owner Change-0.06%
Market Cap171.67M
Revenue(TTM)53.36M
Net Income(TTM)10.04M
Analysts0
Price TargetN/A
Short Float %1.77%
Short Ratio5.4
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 16.75
Fwd PE N/A
P/S 3.22
P/FCF 15.76
P/OCF 14.62
P/B 1.25
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)0.92
EY5.97%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.98
FCFY6.35%
OCF(TTM)1.05
OCFY6.84%
SpS4.79
BVpS12.28
TBVpS12.07
PEG (NY)N/A
PEG (5Y)1.56
Graham Number15.95
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 7.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.82%
GM N/A
FCFM 20.41%
ROA(3y)0.14%
ROA(5y)0.37%
ROE(3y)1.38%
ROE(5y)3.96%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.68%
PM growth 5Y7.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.47
Debt/EBITDA N/A
Cap/Depr 62.59%
Cap/Sales 1.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 108.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.77%
ROIC/WACCN/A
Cap/Depr(3y)52.31%
Cap/Depr(5y)66.32%
Cap/Sales(3y)1.89%
Cap/Sales(5y)2.36%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)214.2%
EPS 3Y12.72%
EPS 5Y10.76%
EPS Q2Q%186.53%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)85.87%
Revenue growth 3Y3.78%
Revenue growth 5Y3.62%
Sales Q2Q%69.12%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y41.85%
FCF growth 3Y-7.29%
FCF growth 5Y-3.45%
OCF growth 1Y38.64%
OCF growth 3Y-7.42%
OCF growth 5Y-4.59%

RHINEBECK BANCORP INC / RBKB Fundamental Analysis FAQ

What is the fundamental rating for RBKB stock?

ChartMill assigns a fundamental rating of 3 / 10 to RBKB.


Can you provide the valuation status for RHINEBECK BANCORP INC?

ChartMill assigns a valuation rating of 1 / 10 to RHINEBECK BANCORP INC (RBKB). This can be considered as Overvalued.


Can you provide the profitability details for RHINEBECK BANCORP INC?

RHINEBECK BANCORP INC (RBKB) has a profitability rating of 2 / 10.