Rhinebeck Bancorp, Inc.
$16.37
-0.91%Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York. The company offers deposits; automobile loans; commercial real estate loans, including multi-family real estate loans, commercial construction, and land development loans; commercial business loans; and one-to four-family residential real estate loans. It also provides brokerage and financial services; and life insurance and investment products to individuals and businesses. As of December 31, 2021, the company operated through 15 branches and 2 representative offices in Dutchess, Ulster, Orange, and Albany counties. It also operates ATM located in Tivoli, New York. The company was founded in 1860 and is based in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates as a subsidiary of Rhinebeck Bancorp, MHC.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is mid-range (P/E 17.6).
Valuation inputs: P/E 17.6, earnings yield +5.7%, momentum -0.9%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +7.3%, ROIC +4.9%).
Profitability stack: net margin +13.2%, ROE +7.3%, ROIC +4.9%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +89.5%, momentum -0.9%, net margin +13.2%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Rhinebeck Bancorp, Inc. Market vs Earnings Trajectory
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Rhinebeck Bancorp, Inc. Fair Value Envelope
Rhinebeck Bancorp, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
Rhinebeck Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Rhinebeck Bancorp, Inc. Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Rhinebeck Bancorp, Inc. Street Expectations Map
No Target Data
No analyst price targets available for rbkb.
Rhinebeck Bancorp, Inc. Insider Positioning
During the last 12 months, insiders have purchased $10K and sold $811K worth of RBKB shares, resulting in $802K of net selling activity.
3 Months
0
0.00
4.2K
66.24K
-66K
-$66K
3-6 Months
0
0.00
0
0.00
+0
+$0
6-9 Months
1.0K
9.67K
98.5K
662.88K
-653K
-$653K
9-12 Months
0
0.00
6.4K
82.17K
-82K
-$82K
Top Buyers
Nihill Kevin M
Officer: Cfo And Treasurer
$10K
Top Sellers
Quinn Michael J.
Director, Officer: President & Ceo
$625K
Bronzi Philip J
Officer: 1St Svp, Com Mkt Pres
$104K
Mccardle James T. Iii
Officer: Chief Credit Officer
$65K
Nihill Kevin M
Officer: Cfo And Treasurer
$18K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $802K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
4 insider sellers vs. 1 buyers. Widespread selling across multiple insiders may signal concerns.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
No Dividend Yield Data
RBKB has not reported any dividend yield values in the available annual periods.
rbkb Dividend History
Learning Layer
Related Guides
Build conviction on RBKB by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.