Rhinebeck Bancorp, Inc.
General ticker "RBKB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $140.6M (TTM average)
Rhinebeck Bancorp, Inc. follows the US Stock Market performance with the rate: 32.5%.
Estimated limits based on current volatility of 0.7%: low 16.81$, high 17.04$
Factors to consider:
- Total employees count: 165 (-1.8%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Real estate concentration, Economic downturns and volatility, Interest rate risk, Liquidity and credit risks, Growth execution
- Current price 21.5% above estimated high
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [10.35$, 14.01$]
- 2026-12-31 to 2027-12-31 estimated range: [10.50$, 14.33$]
Financial Metrics affecting the RBKB estimates:
- Positive: with PPE of 13.3 at the end of fiscal year the price was low
- Positive: 6.62 < Operating cash flow per share per price, % of 8.83
- Positive: Industry earnings per price (median), % of 7.28 > 4.44
- Positive: Operating profit margin, % of 23.77 > 18.40
- Negative: Shareholder equity ratio, % of 10.51 <= 19.19
- Positive: Industry operating profit margin (median), % of 24.29 > 9.66
- Positive: Investing cash flow per share per price, % of 15.91 > -0.60
- Positive: -3.72 < Return on assets ratio (scaled to [-100,100]) of 0.77
- Negative: Interest expense per share per price, % of 16.90 > 3.34
Short-term RBKB quotes
Long-term RBKB plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $43.74MM | $28.71MM | $53.36MM |
| Operating Expenses | $38.13MM | $39.65MM | $40.68MM |
| Operating Income | $5.61MM | $-10.94MM | $12.69MM |
| Interest Expense | $22.69MM | $25.53MM | $22.48MM |
| Income(Loss) | $5.61MM | $-10.94MM | $12.69MM |
| Taxes | $1.22MM | $-2.32MM | $2.64MM |
| Net Income(Loss)* | $4.39MM | $-8.62MM | $10.04MM |
| Stockholders Equity | $113.69MM | $121.83MM | $136.85MM |
| Assets | $1,313.20MM | $1,255.77MM | $1,301.77MM |
| Operating Cash Flow | $7.05MM | $8.47MM | $11.74MM |
| Capital expenditure | $0.58MM | $0.79MM | $0.85MM |
| Investing Cash Flow | $14.70MM | $74.75MM | $21.16MM |
| Financing Cash Flow | $-31.00MM | $-67.86MM | $31.60MM |
| Earnings Per Share** | $0.41 | $-0.80 | $0.93 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.