RBKB

Rhinebeck Bancorp, Inc.

Financial Services · USD

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Price alert · RBKB

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12.93 USD +0.08 +0.62%
As of Oct 30, 2026 Extended hours 12.93 0.00%
Bid
12.93 × 1
Ask
12.95 × 2
12.85 Day range 13.07
6.91 52-week range 13.23
YTD
+50.35%
1 year
+80.59%
Open
12.87
Prev close
12.85
Mkt cap
202.17M
Vol
168.38K
Avg vol
120.18K
EPS
0.91
P/E
14.21
Div yield
0.00%
More statistics
Low
12.85
High
13.07
Forward P/E
0.00
Beta
0.75
Short ratio
0.64
Inst. own
15.02%
Dividend
0.00
Ex-div date
50-d avg
9.48
200-d avg
8.48
1y target
0.00

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RBKB five-day price chart12.812.912.913.013.1Oct 26Oct 27Oct 28Oct 29Oct 30

Financial health

Altman Z-Score

1.24 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-2 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 4

Valuation

P/E 9.2×
FY 2016: 12.9×FY 2017: 11.7×FY 2018: 8.0×FY 2019: 14.5×FY 2020: 11.1×FY 2021: 7.1×FY 2022: 10.0×FY 2023: 14.0×FY 2024: -8.6×FY 2025: 9.2×
FY 2016 5y median 9.2× FY 2025
P/S 1.2×
FY 2016: 1.1×FY 2017: 1.0×FY 2018: 0.9×FY 2019: 1.9×FY 2020: 1.2×FY 2021: 1.6×FY 2022: 1.3×FY 2023: 0.9×FY 2024: 1.4×FY 2025: 1.2×
FY 2016 5y median 1.3× FY 2025
P/B 0.7×
FY 2016: 0.7×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.8×FY 2020: 0.6×FY 2021: 0.7×FY 2022: 0.7×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
P/FCF 8.6×
FY 2016: 9.1×FY 2017: 7.5×FY 2018: 4.7×FY 2019: 9.1×FY 2020: 5.1×FY 2021: 14.0×FY 2022: 5.2×FY 2023: 9.6×FY 2024: 9.7×FY 2025: 8.6×
FY 2016 5y median 9.6× FY 2025
EV/EBITDA 7.5×
FY 2016: 6.9×FY 2017: 5.7×FY 2018: 4.0×FY 2019: 16.6×FY 2020: 3.2×FY 2021: 5.2×FY 2022: 11.1×FY 2023: 25.4×FY 2024: -13.7×FY 2025: 7.5×
FY 2016 5y median 7.5× FY 2025
EV/Sales 1.4×
FY 2016: 1.1×FY 2017: 1.3×FY 2018: 0.7×FY 2019: 3.1×FY 2020: 0.5×FY 2021: 1.7×FY 2022: 2.1×FY 2023: 2.7×FY 2024: 2.4×FY 2025: 1.4×
FY 2016 5y median 2.1× FY 2025
FCF Yield 11.7%
FY 2016: 11.0%FY 2017: 13.4%FY 2018: 21.3%FY 2019: 11.0%FY 2020: 19.8%FY 2021: 7.2%FY 2022: 19.3%FY 2023: 10.4%FY 2024: 10.3%FY 2025: 11.7%
FY 2016 5y median 10.4% FY 2025

Profitability

Gross Margin 68.2%
FY 2016: 86.8%FY 2017: 87.7%FY 2018: 81.1%FY 2019: 76.0%FY 2020: 71.2%FY 2021: 98.8%FY 2022: 85.0%FY 2023: 63.3%FY 2024: 47.8%FY 2025: 68.2%
FY 2016 5y median 68.2% FY 2025
Operating Margin 16.7%
FY 2016: 12.5%FY 2017: 19.3%FY 2018: 13.7%FY 2019: 16.1%FY 2020: 14.2%FY 2021: 29.3%FY 2022: 16.3%FY 2023: 8.5%FY 2024: -20.2%FY 2025: 16.7%
FY 2016 5y median 16.3% FY 2025
Net Margin 13.2%
FY 2016: 8.4%FY 2017: 8.8%FY 2018: 11.1%FY 2019: 12.8%FY 2020: 11.2%FY 2021: 22.6%FY 2022: 12.8%FY 2023: 6.6%FY 2024: -15.9%FY 2025: 13.2%
FY 2016 5y median 12.8% FY 2025
ROE 7.3%
FY 2016: 5.1%FY 2017: 5.5%FY 2018: 7.4%FY 2019: 5.4%FY 2020: 5.1%FY 2021: 9.2%FY 2022: 6.5%FY 2023: 3.9%FY 2024: -7.1%FY 2025: 7.3%
FY 2016 5y median 6.5% FY 2025
ROIC 4.9%
FY 2016: 3.6%FY 2017: 3.6%FY 2018: 2.3%FY 2019: 3.1%FY 2020: 3.3%FY 2021: 7.3%FY 2022: 3.9%FY 2023: 1.6%FY 2024: -3.7%FY 2025: 4.9%
FY 2016 5y median 3.9% FY 2025
ROA 0.8%
FY 2016: 0.4%FY 2017: 0.4%FY 2018: 0.5%FY 2019: 0.6%FY 2020: 0.5%FY 2021: 0.9%FY 2022: 0.5%FY 2023: 0.3%FY 2024: -0.7%FY 2025: 0.8%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 39.8%
FY 2016: 9.6%FY 2017: 6.5%FY 2018: 14.7%FY 2019: 18.7%FY 2020: 13.0%FY 2021: -3.0%FY 2022: 6.7%FY 2023: 21.8%FY 2024: -18.3%FY 2025: 39.8%
FY 2016 FY 2025
Operating Income 216.0%
FY 2016: -60.9%FY 2017: 64.6%FY 2018: -18.6%FY 2019: 39.5%FY 2020: -0.2%FY 2021: 100.5%FY 2022: -40.7%FY 2023: -36.9%FY 2024: -294.8%FY 2025: 216.0%
FY 2016 FY 2025
EPS (diluted) 215.0%
FY 2016: 209.5%FY 2017: 10.8%FY 2018: 45.8%FY 2019: -46.7%FY 2020: -1.8%FY 2021: 92.7%FY 2022: -39.6%FY 2023: -37.5%FY 2024: -300.0%FY 2025: 215.0%
FY 2016 FY 2025
Free Cash Flow 41.9%
FY 2016: 0.0%FY 2017: 22.1%FY 2018: 59.1%FY 2019: 27.6%FY 2020: 36.3%FY 2021: -54.7%FY 2022: 132.4%FY 2023: -52.6%FY 2024: 18.7%FY 2025: 41.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.7×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 0.2×FY 2022: 0.6×FY 2023: 1.2×FY 2024: 0.6×FY 2025: 0.2×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 0.8×
FY 2016: 0.3×FY 2017: 1.2×FY 2018: -1.4×FY 2019: 6.7×FY 2020: -4.2×FY 2021: 0.2×FY 2022: 4.4×FY 2023: 16.7×FY 2024: -5.9×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
Interest Coverage 0.6×
FY 2016: 1.3×FY 2017: 2.0×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 3.5×FY 2022: 1.3×FY 2023: 0.2×FY 2024: -0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31