reports hero background
Updated: Dec 16, 2025

Stock Analysis

RBKB Logo
$12.50
$0.20 |1.63%
Day Range:
$12.30 - $12.55
Market Cap:
139.32M
P/E Ratio:
27.3333
Avg Value:
$11.65
Year Range:
$9.31 - $13.99
1
General Information
Rhinebeck Bancorp Inc is the holding company for Rhinebeck Bank which provides a full range of banking and financial services to consumer and commercial customers.

Financial services, including investment advisory and financial product sales, are offered through a division of the Bank doing business as Rhinebeck Asset Management (RAM). The Bank's primary business activity is accepting deposits from the general public and using those funds to originate indirect automobile loans (automobile loans referred by automobile dealerships), commercial real estate loans (which include multi-family real estate loans and commercial construction loans), commercial business loans and one-to four-family residential real estate loans, and to purchase investment securities.

2
Rhinebeck Bancorp (RBKB) Stock Graph
3
How We Grade Rhinebeck Bancorp (RBKB)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Rhinebeck Bancorp (RBKB) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

55.89

Quality is a composite ranking that evaluates a company's operational efficiency and financial health by analyzing historical profitability metrics and fundamental strength indicators on a percentile basis relative to peers.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Past Performance
How has Rhinebeck Bancorp (RBKB) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Rhinebeck Bancorp (RBKB) sharpe ratio over the past 5 years is 0.7015 which is considered to be above average compared to the peer average of -0.0727

6
Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is RBKB's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Revenue
0.05
0.05
0.04
0.03
0.05
Operating Revenue
0.05
0.05
0.04
0.03
0.05
Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Gross Profit
0.00
0.00
0.00
0.00
0.00
Operating Expense
0.00
0.00
0.00
0.00
0.00
Selling General And Administration
0.02
0.03
0.02
0.02
0.02
Research and Development
0.00
0.00
0.00
0.00
0.00
Operating Income
0.00
0.00
0.00
0.00
0.00
Net Non-Operating Interest Income Expense
0.00
0.00
0.00
0.00
0.00
Other Income Expense
0.00
0.00
0.00
0.00
0.00
Other Non-Operating Income Expenses
0.00
0.00
0.00
0.00
0.00
Pre-Tax Income
0.01
0.01
0.01
-0.01
0.01
Tax Provision
0.00
0.00
0.00
0.00
0.00
Net Income
0.01
0.01
0.00
-0.01
0.01
Net Income Common Stockholders
0.01
0.01
0.00
-0.01
0.01
Total Operating Income As Reported
0.00
0.00
0.00
0.00
0.00
Total Expenses
0.00
0.00
0.00
0.00
0.00
Net Income From Continuing And Discontinued Operation
0.01
0.01
0.00
-0.01
0.01
Normalized Income
0.01
0.01
0.00
-0.01
0.01
Interest Income
0.04
0.05
0.06
0.06
0.07
Interest Expense
0.00
0.01
0.02
0.03
0.02
Net Interest Income
0.04
0.04
0.04
0.04
0.05
EBIT
0.00
0.00
0.00
0.00
0.00
EBITDA
0.00
0.00
0.00
0.00
0.00
Reconciled Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Reconciled Depreciation
0.00
0.00
0.00
0.00
0.00
Normalized EBITDA
0.00
0.00
0.00
0.00
0.00
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.19
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
0.00
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Assets
1.28
1.34
1.31
1.26
1.32
Current Assets
0.00
0.00
0.00
0.00
0.00
Total Non-Current Assets
0.00
0.00
0.00
0.00
0.00
Total Liabilities Net Minority Interest
1.16
1.23
1.20
1.13
1.18
Current Liabilities
0.00
0.00
0.00
0.00
0.00
Other Non-Current Liabilities
0.00
0.00
0.00
0.00
0.00
Total Equity Gross Minority Interest
0.13
0.11
0.11
0.12
0.13
Stockholders Equity
0.00
0.00
0.00
0.00
0.00
Total Capitalization
0.15
0.17
0.25
0.18
0.16
Common Stock Equity
0.13
0.11
0.11
0.12
0.13
Net Tangible Assets
0.12
0.11
0.11
0.12
0.13
Working Capital
0.00
0.00
0.00
0.00
0.00
Invested Capital
0.15
0.17
0.25
0.20
0.16
Tangible Book Value
0.12
0.11
0.11
0.12
0.13
Total Debt
0.02
0.06
0.13
0.07
0.03
Net Debt
0.00
0.05
0.12
0.06
0.02
Share Issued
0.01
0.01
0.01
0.01
0.01
Ordinary Shares Number
0.01
0.01
0.01
0.01
0.01
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
0.01
0.01
0.01
0.01
0.01
Net Income from Continuing Operations
0.01
0.01
-0.01
0.01
Depreciation and Amortization
Deferred Tax
Deferred Income Tax
Stock-Based Compensation
Other Non-Cash Items
Change in Working Capital
Change in Receivables
Changes in Account Receivables
Change in Inventory
Change in Payables and Accrued Expense
Change in Payable
Change in Account Payable
Change in Other Current Assets
-0.01
Change in Other Current Liabilities
Change in Other Working Capital
Cash Flow from Continuing Investing Activities
-0.14
-0.12
0.01
0.07
0.01
Net PPE Purchase and Sale
Net Business Purchase and Sale
0.03
Purchase of Business
Net Investment Purchase and Sale
-0.18
0.02
0.03
0.04
0.02
Purchase of Investment
-0.24
-0.03
-0.04
Sale of Investment
0.06
0.05
0.03
0.11
0.06
Net Other Investing Changes
-0.01
Financing Cash Flow
0.11
0.07
-0.03
-0.07
0.04
Cash Flow from Continuing Financing Activities
0.11
0.07
-0.03
-0.07
0.04
Net Issuance Payments of Debt
-0.03
0.04
0.07
-0.06
-0.03
Net Long-Term Debt Issuance
-0.02
0.01
0.04
-0.02
Long-Term Debt Issuance
Long-Term Debt Payments
Net Short-Term Debt Issuance
-0.02
0.03
0.03
-0.03
-0.03
Net Common Stock Issuance
Common Stock Issuance
Common Stock Payments
Cash Dividends Paid
Net Other Financing Charges
End Cash Position
0.35
0.17
0.14
0.15
0.28
Changes in Cash
-0.02
-0.04
-0.01
0.02
0.06
Beginning Cash Position
0.37
0.21
0.15
0.13
0.22
Capital Expenditure
Issuance of Capital Stock
Issuance of Debt
Repayment of Debt
Repurchase of Capital Stock
Free Cash Flow
0.01
0.01
0.01
0.01
0.01