Fundamental Analysis of RHINEBECK BANCORP INC(NASDAQ:RBKB) stock

Fundamental Rating

RBKB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. While RBKB seems to be doing ok healthwise, there are quite some concerns on its profitability. RBKB has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

RBKB had positive earnings in the past year.

RBKB had a positive operating cash flow in the past year.

Each year in the past 5 years RBKB has been profitable.

RBKB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

RBKB has a worse Return On Assets (0.34%) than 85.40% of its industry peers.

RBKB's Return On Equity of 3.87% is on the low side compared to the rest of the industry. RBKB is outperformed by 84.67% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.34%
ROE	3.87%
ROIC	N/A

ROA(3y)0.59%

ROA(5y)0.58%

ROE(3y)6.51%

ROE(5y)6%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of RBKB (10.06%) is worse than 86.37% of its industry peers.

RBKB's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for RBKB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	10.06%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-8.81%

PM growth 5Y-4.99%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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 less shares outstanding

Compared to 5 years ago, RBKB has less shares outstanding

RBKB has a worse debt/assets ratio than last year.

2.2 Solvency

RBKB has a debt to FCF ratio of 0.80. This is a very positive value and a sign of high solvency as it would only need 0.80 years to pay back of all of its debts.

RBKB has a better Debt to FCF ratio (0.80) than 79.56% of its industry peers.

A Debt/Equity ratio of 0.05 indicates that RBKB is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.05, RBKB belongs to the top of the industry, outperforming 83.21% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.8
Altman-Z	N/A

ROIC/WACCN/A

WACC15.5%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for RBKB have decreased strongly by -37.06% in the last year.

Measured over the past 5 years, RBKB shows a small growth in Earnings Per Share. The EPS has been growing by 0.75% on average per year.

The Revenue has decreased by -8.33% in the past year.

RBKB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.43% yearly.

EPS 1Y (TTM)-37.06%

EPS 3Y-9.71%

EPS 5Y0.75%

EPS growth Q2Q23.63%

Revenue 1Y (TTM)-8.33%

Revenue growth 3Y-0.7%

Revenue growth 5Y5.43%

Revenue growth Q2Q-4.59%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 19.02, the valuation of RBKB can be described as rather expensive.

86.13% of the companies in the same industry are cheaper than RBKB, based on the Price/Earnings ratio.

RBKB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.92.

		Industry Rank	Sector Rank
PE	19.02
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, RBKB is valued a bit more expensive than 68.86% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	13.02
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)25.34

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

RBKB does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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RHINEBECK BANCORP INC

NASDAQ:RBKB (4/26/2024, 7:12:47 PM)

7.61

+0.03 (+0.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap84.24M

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	19.02
Fwd PE	N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)25.34

Profitability

		Industry Rank	Sector Rank
ROA	0.34%
ROE	3.87%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	10.06%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-37.06%

EPS 3Y-9.71%

EPS 5Y

EPS growth Q2Q

EPS Next YN/A

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-8.33%

Revenue growth 3Y-0.7%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

RHINEBECK BANCORP INC (RBKB)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens