Rhinebeck Bancorp (RBKB) AI Stock Analysis

• Market Cap: $112.83M
• Dividend Yield: N/A
• Average Volume (3M): 5.47K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.33
• Revenue Growth: -18.28%
• EPS Growth: -296.52%
• Country: US
• Employees: 157
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): -0.80
• Shares Outstanding: 11,094,828
• 10 Day Avg. Volume: 5,749
• 30 Day Avg. Volume: 5,469
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 4.13
• Price to Cash Flow (P/CF): -8.10
• P/FCF Ratio: 10.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Rhinebeck Bancorp's overall stock score reflects a challenging financial environment marked by declining revenue and cash flow issues. While the technical indicators show moderate strength, the valuation metrics are concerning with a negative P/E ratio. Recent board appointments provide a positive outlook for governance and strategic initiatives.

Rhinebeck Bancorp Business Overview & Revenue Model

Company Description

Rhinebeck Bancorp, Inc. (RBKB) operates as the holding company for the Rhinebeck Bank, a community-focused financial institution headquartered in Rhinebeck, New York. The bank provides a comprehensive range of financial services primarily to individuals, families, and small to medium-sized businesses in the Hudson Valley region. Its core products and services include personal and business checking accounts, savings and investment accounts, residential and commercial mortgages, home equity lines of credit, and various types of loans. Additionally, Rhinebeck Bank offers online and mobile banking services, enhancing convenience for its customers.

How the Company Makes Money

Rhinebeck Bancorp makes money primarily through the interest income generated from its lending activities. This includes interest earned on residential and commercial mortgages, personal and business loans, and other credit facilities. Additionally, the company earns revenue through fees associated with its deposit accounts and services, such as account maintenance fees, overdraft fees, and transaction fees. Another significant revenue stream is the investment income from securities and other financial instruments. Rhinebeck Bancorp also benefits from strategic partnerships and community relationships that enhance its local reputation and customer base, contributing to its overall financial performance.

Rhinebeck Bancorp Financial Statement Overview

Summary

Rhinebeck Bancorp's financial performance is under pressure with a significant decline in revenue and profitability, reflected in a negative net profit margin for 2024. The balance sheet remains moderately stable, but cash flow issues present liquidity risks.

Income Statement

The income statement reflects a significant decline in revenue from 2023 to 2024, plummeting by approximately 37.8%. The net profit margin turned negative in 2024 due to a large net loss, contrasting with the previous years' profitability. The EBIT margin has also turned negative, indicating operational challenges. Overall, the financial performance shows a troubling trajectory with decreasing revenue and profitability.

Balance Sheet

The balance sheet reveals a stable debt-to-equity ratio, although it increased slightly due to higher debt levels in 2024. The equity ratio remains relatively strong, suggesting some balance sheet stability. However, the return on equity has drastically decreased due to net losses in 2024, highlighting potential profitability issues.

Cash Flow

The cash flow statement indicates significant challenges, with operating cash flow dropping to zero in 2024. Free cash flow has also declined, reflecting poor cash generation capabilities. The lack of operating cash flow to net income ratio further underscores the company's cash flow difficulties.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
25.91M	41.67M	47.77M	46.82M	44.67M
	Gross Profit
25.91M	41.67M	47.77M	46.82M	44.67M
	EBIT
-3.29M	5.94M	15.65M	14.99M	7.48M
	EBITDA
0.00	0.00	10.55M	16.65M	8.88M
	Net Income Common Stockholders
-8.62M	4.39M	7.00M	11.56M	5.92M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
37.48M	206.16M	255.04M	352.37M	196.42M
	Total Assets
1.26B	1.31B	1.34B	1.28B	1.13B
	Total Debt
74.93M	133.22M	62.88M	23.20M	55.83M
	Net Debt
37.44M	118.61M	31.49M	-48.90M	-37.66M
	Total Liabilities
1.13B	1.20B	1.23B	23.20M	55.83M
	Stockholders Equity
121.83M	113.69M	108.13M	125.97M	116.50M
Cash Flow		Free Cash Flow
7.68M	6.47M	13.66M	5.88M	12.98M
	Operating Cash Flow
8.47M	7.05M	14.79M	7.65M	14.85M
	Investing Cash Flow
74.75M	14.70M	-123.61M	-135.73M	-74.12M
	Financing Cash Flow
-67.86M	-31.00M	68.11M	106.69M	140.78M

Rhinebeck Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.34
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RBKB, the sentiment is Positive. The current price of 10.34 is above the 20-day moving average (MA) of 10.06, above the 50-day MA of 10.16, and above the 200-day MA of 9.36, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 56.70 is Neutral, neither overbought nor oversold. The STOCH value of 85.52 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RBKB.

Rhinebeck Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	70 Outperform	$126.39M	11.30	9.08%	2.95%	6.80%	-2.85%
AFBI	64 Neutral	$116.53M	22.50	4.34%	―	10.68%	-14.77%
SRBK	63 Neutral	$108.86M	168.73	0.21%	0.38%	―	―
Sector *	63 Neutral	$12.06B	9.31	8.10%	79.51%	12.80%	-4.67%
MNSB	61 Neutral	$137.04M	14.43	-5.01%	2.25%	5.38%	-165.79%
RVSB	60 Neutral	$122.08M	155.20	0.50%	2.03%	1.27%	-91.84%
RBKB	51 Neutral	$112.83M	―	-7.32%	―	-18.28%	-296.52%

Rhinebeck Bancorp Corporate Events

Rhinebeck Bancorp Appoints New Board Members

On April 15, 2025, Rhinebeck Bancorp announced the appointment of Sharon A. McGinnis and Nancy K. Patzwahl to its Board of Directors. McGinnis, with her extensive experience in human resources and corporate governance, will serve on the Compensation and Governance & Nominating Committees, while Patzwahl, a seasoned accountant, will join the Audit and Loan Review Committees. These appointments are expected to enhance the bank’s strategic efforts and strengthen its governance, with McGinnis contributing her expertise in employee relations and Patzwahl providing insights into accounting standards and regulatory compliance.

Spark’s Take on RBKB Stock

According to Spark, TipRanks’ AI Analyst, RBKB is a Neutral.

Rhinebeck Bancorp’s overall stock score reflects a challenging financial environment marked by declining revenue and cash flow issues, offset by moderate technical strength. The negative P/E ratio and lack of dividend yield also weigh on the stock’s attractiveness.

To see Spark’s full report on RBKB stock, click here.