📊 RBKB Key Takeaways
Is Rhinebeck Bancorp, Inc. (RBKB) a Good Investment?
Rhinebeck Bancorp exhibits severe fundamental deterioration with a catastrophic 95.7% revenue decline year-over-year, signaling operational collapse in its core banking business. Despite reported net income, the bank's ROA of 0.8% and ROE of 7.3% are critically weak for a financial institution, and interest coverage of only 1.9x indicates minimal earnings cushion to cover obligations.
Why Buy Rhinebeck Bancorp, Inc. Stock? RBKB Key Strengths
- Solid cash position of $102.0M providing short-term liquidity buffer
- Positive free cash flow of $10.9M demonstrates some operational cash generation
- Zero long-term debt eliminates refinancing risk in near term
RBKB Stock Risks: Rhinebeck Bancorp, Inc. Investment Risks
- Revenue collapsed 95.7% YoY - existential threat to banking operations and deposit base viability
- Interest coverage of 1.9x is dangerously low with minimal margin for earnings deterioration or rate shocks
- ROA of 0.8% and ROE of 7.3% are well below banking sector norms, indicating core business dysfunction
- Disconnect between 95.7% revenue decline and positive earnings raises data quality concerns and suggests unsustainable accounting profits masking operational failure
- Zero insider Form 4 filings in 90 days suggests limited confidence from management
Key Metrics to Watch
- Revenue stabilization and deposit retention trends - critical for bank survival
- Interest coverage ratio - any decline below 1.5x signals imminent distress
- Return on Assets trend - must recover toward 1.0%+ minimum for sector viability
Rhinebeck Bancorp, Inc. (RBKB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 365.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
RBKB Profit Margin, ROE & Profitability Analysis
RBKB vs Finance Sector: How Rhinebeck Bancorp, Inc. Compares
How Rhinebeck Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Rhinebeck Bancorp, Inc. Stock Overvalued? RBKB Valuation Analysis 2026
Based on fundamental analysis, Rhinebeck Bancorp, Inc. appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Rhinebeck Bancorp, Inc. Balance Sheet: RBKB Debt, Cash & Liquidity
RBKB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Rhinebeck Bancorp, Inc.'s revenue has grown significantly by 16% over the 5-year period, indicating strong business expansion. The most recent EPS of $-0.80 indicates the company is currently unprofitable.
RBKB Revenue Growth, EPS Growth & YoY Performance
RBKB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $739.0K | $975.0K | $0.25 |
| Q2 2025 | $728.0K | $975.0K | $0.09 |
| Q1 2025 | $743.0K | $1.1M | $0.10 |
| Q3 2024 | $738.0K | $798.0K | $0.11 |
| Q2 2024 | $718.0K | $798.0K | $0.09 |
| Q1 2024 | $708.0K | $798.0K | $0.07 |
| Q3 2023 | $713.0K | $798.0K | $0.11 |
| Q2 2023 | $706.0K | $798.0K | $0.13 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Rhinebeck Bancorp, Inc. Dividends, Buybacks & Capital Allocation
RBKB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Rhinebeck Bancorp, Inc. (CIK: 0001751783)
📋 Recent SEC Filings
❓ Frequently Asked Questions about RBKB
What is the AI rating for RBKB?
Rhinebeck Bancorp, Inc. (RBKB) has an AI rating of STRONG SELL with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are RBKB's key strengths?
Claude: Solid cash position of $102.0M providing short-term liquidity buffer. Positive free cash flow of $10.9M demonstrates some operational cash generation.
What are the risks of investing in RBKB?
Claude: Revenue collapsed 95.7% YoY - existential threat to banking operations and deposit base viability. Interest coverage of 1.9x is dangerously low with minimal margin for earnings deterioration or rate shocks.
What is RBKB's revenue and growth?
Rhinebeck Bancorp, Inc. reported revenue of $3.0M.
Does RBKB pay dividends?
Rhinebeck Bancorp, Inc. does not currently pay dividends.
Where can I find RBKB SEC filings?
Official SEC filings for Rhinebeck Bancorp, Inc. (CIK: 0001751783) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is RBKB's EPS?
Rhinebeck Bancorp, Inc. has a diluted EPS of $0.92.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is RBKB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Rhinebeck Bancorp, Inc. has a STRONG SELL rating with 75% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is RBKB stock overvalued or undervalued?
Valuation metrics for RBKB: ROE of 7.3% (sector avg: 12%), net margin of 336.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy RBKB stock in 2026?
Our dual AI analysis gives Rhinebeck Bancorp, Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is RBKB's free cash flow?
Rhinebeck Bancorp, Inc.'s operating cash flow is $11.7M, with capital expenditures of $850.0K. FCF margin is 365.0%.
How does RBKB compare to other Finance stocks?
Vs Finance sector averages: Net margin 336.6% (avg: 25%), ROE 7.3% (avg: 12%), current ratio N/A (avg: 1.2).