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RHINEBECK BANCORP INC (RBKB) Stock Fundamental Analysis

NASDAQ:RBKB - Nasdaq - US7620931029 - Common Stock - Currency: USD

12.96  -0.01 (-0.08%)

Fundamental Rating

2

RBKB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. Both the profitability and financial health of RBKB have multiple concerns. RBKB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

RBKB had negative earnings in the past year.
In the past year RBKB had a positive cash flow from operations.
RBKB had positive earnings in 4 of the past 5 years.
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 0 5M -5M 10M

1.2 Ratios

RBKB has a Return On Assets of -0.59%. This is amonst the worse of the industry: RBKB underperforms 95.17% of its industry peers.
RBKB has a Return On Equity of -5.92%. This is amonst the worse of the industry: RBKB underperforms 94.40% of its industry peers.
Industry RankSector Rank
ROA -0.59%
ROE -5.92%
ROIC N/A
ROA(3y)0.06%
ROA(5y)0.32%
ROE(3y)1.09%
ROE(5y)3.5%
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 0 5 -5

1.3 Margins

RBKB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
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 0 10 -10 20 -20 -30

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3

2. Health

2.1 Basic Checks

RBKB does not have a ROIC to compare to the WACC, probably because it is not profitable.
RBKB has more shares outstanding than it did 1 year ago.
RBKB has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, RBKB has a worse debt to assets ratio.
RBKB Yearly Shares OutstandingRBKB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 200M 400M 600M 800M 1B

2.2 Solvency

The Debt to FCF ratio of RBKB is 0.33, which is an excellent value as it means it would take RBKB, only 0.33 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.33, RBKB belongs to the top of the industry, outperforming 84.48% of the companies in the same industry.
RBKB has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.04, RBKB belongs to the top of the industry, outperforming 82.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.33
Altman-Z N/A
ROIC/WACCN/A
WACC13.86%
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 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 5M 10M 15M 20M 25M

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0

3. Growth

3.1 Past

RBKB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -261.92%.
Looking at the last year, RBKB shows a very negative growth in Revenue. The Revenue has decreased by -27.54% in the last year.
Measured over the past years, RBKB shows a decrease in Revenue. The Revenue has been decreasing by -5.39% on average per year.
EPS 1Y (TTM)-261.92%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%110%
Revenue 1Y (TTM)-27.54%
Revenue growth 3Y-15.05%
Revenue growth 5Y-5.39%
Sales Q2Q%22.98%

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 10M 20M 30M 40M

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for RBKB. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
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 0 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of RBKB indicates a somewhat cheap valuation: RBKB is cheaper than 71.76% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.22
EV/EBITDA N/A
RBKB Per share dataRBKB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

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

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0

5. Dividend

5.1 Amount

No dividends for RBKB!.
Industry RankSector Rank
Dividend Yield N/A

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RHINEBECK BANCORP INC

NASDAQ:RBKB (8/21/2025, 4:10:10 PM)

12.96

-0.01 (-0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-22 2025-10-22
Inst Owners17.35%
Inst Owner Change14.97%
Ins Owners2.23%
Ins Owner Change-0.02%
Market Cap143.99M
Analysts0
Price TargetN/A
Short Float %3.07%
Short Ratio5.56
Dividend
Industry RankSector Rank
Dividend Yield N/A
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 N/A
Fwd PE N/A
P/S 4.63
P/FCF 9.22
P/OCF 8.84
P/B 1.14
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)-0.7
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.41
FCFY10.85%
OCF(TTM)1.47
OCFY11.31%
SpS2.8
BVpS11.34
TBVpS11.12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.59%
ROE -5.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 50.23%
ROA(3y)0.06%
ROA(5y)0.32%
ROE(3y)1.09%
ROE(5y)3.5%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.33
Debt/EBITDA N/A
Cap/Depr 47.49%
Cap/Sales 2.13%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC13.86%
ROIC/WACCN/A
Cap/Depr(3y)54.13%
Cap/Depr(5y)80.14%
Cap/Sales(3y)2.15%
Cap/Sales(5y)2.88%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-261.92%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%110%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-27.54%
Revenue growth 3Y-15.05%
Revenue growth 5Y-5.39%
Sales Q2Q%22.98%
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 1Y59.39%
FCF growth 3Y9.31%
FCF growth 5Y-4.21%
OCF growth 1Y56.42%
OCF growth 3Y3.45%
OCF growth 5Y-6.9%