Is Rhinebeck Bancorp, Inc. (RBKB) Overvalued?
We dive into why Rhinebeck Bancorp, Inc. (RBKB) could be considered overvalued on 2026-09-08, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
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.
Commentary & Analysis
Why Rhinebeck Bancorp, Inc.’s (RBKB) Stock Is Down 31.16%
As of Wednesday, July 22, Rhinebeck Bancorp, Inc.’s RBKB share price has dipped by 31.16%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Why Rhinebeck Bancorp, Inc.’s (RBKB) Stock Is Down 31.95%
As of Wednesday, July 22, Rhinebeck Bancorp, Inc.’s RBKB share price has dipped by 31.95%, which has investors questioning if this is right time to buy.Omar Beirat
Why Rhinebeck Bancorp, Inc.’s (RBKB) Stock Is Up 9.10%
As of Monday, April 27, Rhinebeck Bancorp, Inc.’s RBKB share price has surged by 9.10%, which has investors questioning if this is right time to sell.Michael Rose
Why Rhinebeck Bancorp, Inc.’s (RBKB) Stock Is Up 23.40%
As of Wednesday, February 11, Rhinebeck Bancorp, Inc.’s RBKB share price has surged by 23.40%, which has investors questioning if this is right time to sell.Jenna Brashear
Financial Summary
| Share Statistics | RBKB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $199.6 | $733.6 | 27% |
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| Shares Out (Mil) | 15.3 | 16.0 | 26% |
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| Institutional Ownership | 87.5% | 84.1% | 55% |
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| Float (Mil) | 14.2 | 21.6 | 24% |
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| Beta | 0.16 | 0.44 | 11% |
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| Avg Daily Volume (000s) | 201 | 50 | 43% |
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| Price Change (52-week) |
38.8% | 93.9% | 78% |
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| Growth | RBKB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 6.6% | 7.7% | 44% |
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| Net Income (5yr) | 11.1% | 11.1% | 57% |
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| EPS (5yr) | 10.9% | 10.0% | 48 |
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| Dividends (5yr) | 0.0% | 3.6% | 0% |
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| Cash Flow (5yr) | (4.7%) | (17.2%) | 61% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | RBKB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $52 | $191 | 20% |
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| Net Income (TTM) (Mil) | $10 | $55 | 45% |
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| EPS (TTM) | $0.651 | $2.500 | 56% |
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| Operating Cash Flow (TTM) (Mil) | $14 | $34 | 39% |
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| Net Cash Flow (TTM) (Mil) | $215 | $2 | 85% |
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| Long-Term Debt (Q1) (Mil) | $13 | $98 | 30% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | RBKB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.42 | 1.26 | 37% |
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| P/E | 20.2 | 12.3 | 54% |
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| Dividend Yield | 0.0% | 2.2% | 0% |
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| PEG (5yr hist) | 1.9 | 1.1 | 66% |
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| Ratios | RBKB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 18.9% | 29.2% | 78% |
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| ROA | 0.7% | 1.1% | 43% |
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| ROE | 7.3% | 11.3% | 49% |
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| Liabilities to Assets | 90.5% | 89.7% | 87% |
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| F-Score | 5 | 4 | 50% |
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Rhinebeck Bancorp, Inc. did not pass any screens on 9/18/2026.
