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RHINEBECK BANCORP INC (RBKB) Stock Fundamental Analysis

NASDAQ:RBKB - Nasdaq - US7620931029 - Common Stock - Currency: USD

10.17  -0.12 (-1.17%)

Fundamental Rating

1

RBKB gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. RBKB has a bad profitability rating. Also its financial health evaluation is rather negative. RBKB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

RBKB had negative earnings in the past year.
In the past year RBKB had a positive cash flow from operations.
RBKB had positive earnings in 4 of the past 5 years.
RBKB had a positive operating cash flow in each of the past 5 years.
RBKB Yearly Net Income VS EBIT VS OCF VS FCFRBKB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M

1.2 Ratios

With a Return On Assets value of -0.69%, RBKB is not doing good in the industry: 96.23% of the companies in the same industry are doing better.
RBKB's Return On Equity of -7.08% is on the low side compared to the rest of the industry. RBKB is outperformed by 96.48% of its industry peers.
Industry RankSector Rank
ROA -0.69%
ROE -7.08%
ROIC N/A
ROA(3y)0.06%
ROA(5y)0.32%
ROE(3y)1.09%
ROE(5y)3.5%
ROIC(3y)N/A
ROIC(5y)N/A
RBKB Yearly ROA, ROE, ROICRBKB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

RBKB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
RBKB Yearly Profit, Operating, Gross MarginsRBKB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

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3

2. Health

2.1 Basic Checks

RBKB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RBKB has more shares outstanding
Compared to 5 years ago, RBKB has about the same amount of shares outstanding.
The debt/assets ratio for RBKB is higher compared to a year ago.
RBKB Yearly Shares OutstandingRBKB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
RBKB Yearly Total Debt VS Total AssetsRBKB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

RBKB has a debt to FCF ratio of 0.67. This is a very positive value and a sign of high solvency as it would only need 0.67 years to pay back of all of its debts.
RBKB has a better Debt to FCF ratio (0.67) than 80.40% of its industry peers.
RBKB has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of RBKB (0.04) is better than 83.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.67
Altman-Z N/A
ROIC/WACCN/A
WACC13.52%
RBKB Yearly LT Debt VS Equity VS FCFRBKB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RBKB Yearly Current Assets VS Current LiabilitesRBKB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

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3. Growth

3.1 Past

RBKB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -302.32%.
Looking at the last year, RBKB shows a very negative growth in Revenue. The Revenue has decreased by -34.38% in the last year.
Measured over the past years, RBKB shows a decrease in Revenue. The Revenue has been decreasing by -5.39% on average per year.
EPS 1Y (TTM)-302.32%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-384.86%
Revenue 1Y (TTM)-34.38%
Revenue growth 3Y-15.05%
Revenue growth 5Y-5.39%
Sales Q2Q%-24.24%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
RBKB Yearly Revenue VS EstimatesRBKB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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4. Valuation

4.1 Price/Earnings Ratio

RBKB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
RBKB Price Earnings VS Forward Price EarningsRBKB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

61.06% of the companies in the same industry are cheaper than RBKB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.69
EV/EBITDA N/A
RBKB Per share dataRBKB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

RBKB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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RHINEBECK BANCORP INC

NASDAQ:RBKB (4/22/2025, 8:00:01 PM)

10.17

-0.12 (-1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23
Inst Owners15.75%
Inst Owner Change0%
Ins Owners2.86%
Ins Owner Change0.08%
Market Cap112.79M
Analysts0
Price TargetN/A
Short Float %0.2%
Short Ratio1.51
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.93
P/FCF 14.69
P/OCF 13.32
P/B 0.93
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)-0.8
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.69
FCFY6.81%
OCF(TTM)0.76
OCFY7.51%
SpS2.59
BVpS10.99
TBVpS10.77
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.69%
ROE -7.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 26.75%
ROA(3y)0.06%
ROA(5y)0.32%
ROE(3y)1.09%
ROE(5y)3.5%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.67
Debt/EBITDA N/A
Cap/Depr 55.59%
Cap/Sales 2.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC13.52%
ROIC/WACCN/A
Cap/Depr(3y)54.13%
Cap/Depr(5y)80.14%
Cap/Sales(3y)2.15%
Cap/Sales(5y)2.88%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-302.32%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-384.86%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-34.38%
Revenue growth 3Y-15.05%
Revenue growth 5Y-5.39%
Sales Q2Q%-24.24%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.69%
FCF growth 3Y9.31%
FCF growth 5Y-4.21%
OCF growth 1Y20.18%
OCF growth 3Y3.45%
OCF growth 5Y-6.9%