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Rhinebeck Bancorp

NAQ:RBKB · US7620931029
BanksSmall

360

31
Medium confidence — indicative
Profit price11
Cash yield1
Price/Sales52
EV / Gross Profit78
Price/Book30
Returns on capital49
Profit margins—
Cash Conversion36
Accruals84
Owner Earnings Margin29
Sales growth3
Profit growth18
Reinvestment48
Price momentum65
Debt load88
Debt serviceability47
Liquidity34
Analyst ratings—
Expectations trend—
Market mood1
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Rhinebeck Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded2018
Websiterhinebeckbank.com/newsworthy/stories
ISINUS7620931029
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides a range of banking and financial services to consumer and commercial customers. The company is regulated by the Board of Governors of the Federal Reserve S…

Analysis

Hope premium

Rhinebeck Bancorp, Inc. carries what we call a hope premium: an average business trading at an ambitious price.

The price is fair. You pay 18.0× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is moderate and the balance sheet is sturdy. The company scores 13/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
8
20232026

All-time high

39

Jan 2023

All-time low

8

Jun 2026

Average rank

23

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
52
—
—
83
Price/Earnings
11
—
—
46
Price/Book
30
—
—
65
Dividend Yield
1
—
—
1
Value (overall)
10
—
—
50

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →