RBKB
Rhinebeck Bancorp, Inc.
Next earnings Jul 22, 2026
Last earnings +0.6% on 2026-04-23
$17.39
▲ +0.93%$17.39▲ +49.40%
over 1Y
L $9.62EODHDH $17.59
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.9%
1W+4.1%
1M+12.3%
3M+14.0%
YTD+45.2%
1Y+49.4%
Hold
Conviction
Horizon
Medium (3–12mo)
Strong net margin (336.6%); but revenue declined -0.6% YoY.
Revenue (FY2025) $2.98M · FY2025
The read
Middling fundamentals offset by an attractive price (~101% below fair value) — worth a look on the value angle.
Rhinebeck Bancorp, Inc. shows $2.98M in FY2025 revenue (-0.6% YoY), a 336.6% net margin, and 7.3% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $2.58M | $2.83M | $2.88M | $3.00M | $2.98M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $11.6M | $7.00M | $4.39M | -$8.62M | $10.0M |
| Diluted EPS | $1.06 | $0.64 | $0.40 | -$0.80 | $0.92 |
| Net margin | 447.3% | 247.3% | 152.6% | -287.1% | 336.6% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF17.8
PEG (trailing)0.09
Earnings yield5.2%
FCF yield5.6%
Quality & risk
ROIC (est.)—
Free cash flow$10.9M
Total debt—
Net cash$102M
Piotroski F-Score4/6
Capital returns
Buyback yield0.0%
Dividend yield (est.)—
Shareholder yield0.0%
Shares Δ YoY+0.4%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-25open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗
Frequently asked
- Is Rhinebeck Bancorp, Inc. (RBKB) a buy?
- RBKB currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Strong net margin (336.6%); but revenue declined -0.6% YoY.
- What is RBKB's fair value?
- A Modified-Graham model based on RBKB's SEC fundamentals estimates a fair value of about $34.96. It is an estimate from reported earnings, not a price target.
- Is RBKB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, RBKB currently appears undervalued relative to its SEC-grounded earnings power.
- What is Rhinebeck Bancorp, Inc.'s quality score?
- RBKB scores 67.70588235294116/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001751783, latest 10-Q filed 2026-05-14) · EODHD · as of 6/26/2026, 7:45:48 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.