📊 RBKB Key Takeaways
Is Rhinebeck Bancorp, Inc. (RBKB) a Good Investment?
Rhinebeck Bancorp exhibits critical distress signals including a catastrophic 95.7% YoY revenue collapse and interest coverage of 0.4x, indicating inability to cover interest expenses from operations. Despite positive net income and free cash flow, the company's returns are severely depressed (ROA: 0.2%, ROE: 1.6%) on a $1.3B asset base, signaling fundamental business deterioration with uncertain sustainability.
Rhinebeck Bancorp, Inc. Key Strengths (RBKB)
- Zero long-term debt (Debt/Equity: 0.0x) reduces leverage risk
- Positive free cash flow generation ($2.9M) and operating cash flow ($3.5M)
- Reasonable liquidity position with $112.9M in cash and equivalents
RBKB Stock Risks: Rhinebeck Bancorp, Inc. Investment Risks
- Interest coverage ratio of 0.4x is critical; operating income cannot cover interest expense obligations
- Revenue collapsed 95.7% YoY to $764K, indicating severe business contraction or restructuring
- Extremely poor returns: ROA of 0.2% and ROE of 1.6% reflect inability to generate shareholder value
- Profitability margins (373% operating, 290% net) are artifacts of revenue collapse and unsustainable
- As a savings institution, low net income ($2.2M) on $1.3B assets signals operational stress
Key Metrics to Watch
- Interest coverage ratio trend and ability to achieve >1.0x sustainability
- Revenue stabilization and growth trajectory in subsequent quarters
- Return on Assets (ROA) improvement toward banking sector norms (>0.8%)
- Interest expense levels and margin compression dynamics
Rhinebeck Bancorp, Inc. (RBKB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 377.2% 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. has mixed fundamental signals 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 |
|---|---|---|---|
| Q1 2026 | $764.0K | $2.2M | $0.20 |
| 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 |
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 grade of D with 88% confidence, based on fundamental analysis of SEC EDGAR filings.
What are RBKB's key strengths?
Claude: Zero long-term debt (Debt/Equity: 0.0x) reduces leverage risk. Positive free cash flow generation ($2.9M) and operating cash flow ($3.5M).
What are the risks of investing in RBKB?
Claude: Interest coverage ratio of 0.4x is critical; operating income cannot cover interest expense obligations. Revenue collapsed 95.7% YoY to $764K, indicating severe business contraction or restructuring.
What is RBKB's revenue and growth?
Rhinebeck Bancorp, Inc. reported revenue of $764.0K.
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 $0.20.
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 grade reflects both perspectives for balanced insights.
What is RBKB's fundamental grade?
Based on our AI fundamental analysis in May 2026, Rhinebeck Bancorp, Inc. has a D grade with 88% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is RBKB stock overvalued or undervalued?
Valuation metrics for RBKB: ROE of 1.6% (sector avg: 12%), net margin of 290.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is RBKB's AI grade for 2026?
Our dual AI analysis gives Rhinebeck Bancorp, Inc. a combined D grade 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 $3.5M, with capital expenditures of $637.0K. FCF margin is 377.2%.
How does RBKB compare to other Finance stocks?
Vs Finance sector averages: Net margin 290.1% (avg: 25%), ROE 1.6% (avg: 12%), current ratio N/A (avg: 1.2).