Rhinebeck Bancorp Inc (RBKB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Rhinebeck Bancorp Inc stock (RBKB) is currently trading at $15.21. Rhinebeck Bancorp Inc PE ratio is 16.92. Rhinebeck Bancorp Inc PS ratio (Price-to-Sales) is 3.35. WallStSmart rates RBKB as Hold.
- RBKB PE ratio analysis and historical PE chart
- RBKB PS ratio (Price-to-Sales) history and trend
- RBKB intrinsic value — DCF, Graham Number, EPV models
- RBKB stock price prediction 2025 2026 2027 2028 2029 2030
- RBKB fair value vs current price
- RBKB insider transactions and insider buying
- Is RBKB undervalued or overvalued?
- Rhinebeck Bancorp Inc financial analysis — revenue, earnings, cash flow
- RBKB Piotroski F-Score and Altman Z-Score
- RBKB analyst price target and Smart Rating
Rhinebeck Bancorp Inc
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RBKB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Rhinebeck Bancorp Inc (RBKB)
RBKB trades at a significant discount to its Graham intrinsic value of $43.06, offering a 64% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Rhinebeck Bancorp Inc (RBKB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Rhinebeck Bancorp Inc (RBKB) Key Strengths (5)
Revenue surging 96.90% year-over-year
Earnings per share surging 177.80% year-over-year
Strong operational efficiency: $24 kept per $100 revenue
Trading at 1.26x book value, attractively priced
Strong profitability: $19 kept per $100 revenue
Rhinebeck Bancorp Inc (RBKB) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Low institutional interest, mostly retail-driven
Revenue is fairly priced at 3.35x sales
Rhinebeck Bancorp Inc (RBKB) Detailed Analysis Report
Overall Assessment
This company scores 62/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 5 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Revenue Growth, EPS Growth, Operating Margin. Valuation metrics including Price/Book (1.26) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 23.90%, Profit Margin at 19.40%. Growth metrics are encouraging with Revenue Growth at 96.90%, EPS Growth at 177.80%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Institutional Own.. Some valuation metrics including Price/Sales (3.35) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 7.77%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.77% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 96.90% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Revenue Growth, EPS Growth) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
RBKB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
RBKB's Price-to-Sales ratio of 3.35x sits near its historical average of 3.42x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 5% below its historical high of 3.54x set in Mar 2026, and 3% above its historical low of 3.26x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Rhinebeck Bancorp Inc (RBKB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Rhinebeck Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 52M with 97% growth year-over-year. Profit margins of 19.4% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 97% YoY, reaching 52M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 777.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Rhinebeck Bancorp Inc maintain 97%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Rhinebeck Bancorp Inc.
Bottom Line
Rhinebeck Bancorp Inc offers an attractive blend of growth (97% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(0 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:21:38 AM
About Rhinebeck Bancorp Inc(RBKB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Rhinebeck Bancorp, Inc. is the banking holding company for Rhinebeck Bank providing banking and financial products and services to consumers and business customers in the Hudson Valley region of New York.