Rhinebeck Bancorp (RBKB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Rhinebeck Bancorp

NasdaqCM•Financial Services•Banks - Regional

$13.07+0.25(0.02%)Pre-market

Market Cap

$141.55M

P/E

14.4x

P/S

1.9x

P/B

1.0x

Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York, the United States. The company offers deposits, including non-interest-bearing demand, interest-bearing demand, money market, commercial and personal checking, individual retirement, and savings accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; other consumer loans, including home equity loans; and personal loans. In addition, the company offers retail brokerage; retirement planning; financial planning and advisory; life insurance and investment products; ATMs, online banking and bill pay, mobile banking with mobile deposit and bill pay, automated clearing house origination, remote deposit capture, and telephone banking; debit and credit cards; wire transfer and merchant services; and wealth management services. Further, it invests in mutual funds and annuities. The company was founded in 1860 and is based in Poughkeepsie, New York.

How this company scores

WeakMetricSide Score: 85/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Growth (24/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability21/25

Growth24/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality22/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.4x5y range 7.2x – 17.5x

Currently above its 16-quarter median.

P/S · 1.9x5y range 0.8x – 1.9x

Currently above its 20-quarter median.

P/B · 1.0x5y range 0.5x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Price & Volume

Market Cap $141.55M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $75.93M
Q. Revenue: $18.76M
TTM EBITDA: $13.88M
TTM Op. Income: $12.57M
Q. Op. Income: $3.38M
TTM Net Income: $9.86M
Q. Net Income: $2.62M
EPS: $0.24
Shares Out.: $10.83M

$75.93M in TTM revenue grew 34.3% YoY, reaching $18.76M last quarter. TTM EBITDA of $13.88M and TTM operating income of $12.57M show growth is flowing through to the bottom line. TTM net income of $9.86M means revenue is converting into profit. Over the past year, TTM revenue is up 34% — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 71.3%
EBITDA Margin: 18.0%
Op. Margin: 18.0%
Net Margin: 13.9%

Op. margin of 18.0% is down 1.0% YoY — costs are rising relative to revenue. Net margin at 13.9% and gross margin of 71.3% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.4x
P/S Ratio: 1.9x
P/B Ratio: 1.0x

At 14.4x P/E, the stock trades below typical market levels. P/S of 1.9x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 4 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.47B
Cash: $304.56M
Long-Term Debt: $5.15M
Book Value: $139.60M
D/E Ratio: 0.0
Debt/EBITDA: 1.5

With $1.47B in assets and $5.15M in long-term debt, D/E is 0.0and book value is $139.60M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $5.59M
TTM Free Cash Flow: $12.72M
FCF Margin: 16.7%
FCF / Net Income: 1.3

TTM FCF of $12.72M on $5.59M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 111% — an improving trend.