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Upturn AI SWOT - About
Rhinebeck Bancorp Inc (RBKB)
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Upturn Advisory Summary
08/28/2025: RBKB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 27.17% | Avg. Invested days 60 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 133.07M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.44 | 52 Weeks Range 7.30 - 12.73 | Updated Date 06/30/2025 |
52 Weeks Range 7.30 - 12.73 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.69 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -26.59% | Operating Margin (TTM) 26.09% |
Management Effectiveness
Return on Assets (TTM) -0.58% | Return on Equity (TTM) -6.2% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 145256320 | Price to Sales(TTM) 4.75 |
Enterprise Value 145256320 | Price to Sales(TTM) 4.75 | ||
Enterprise Value to Revenue 6.2 | Enterprise Value to EBITDA - | Shares Outstanding 11098400 | Shares Floating 2777554 |
Shares Outstanding 11098400 | Shares Floating 2777554 | ||
Percent Insiders 59.58 | Percent Institutions 17.22 |
Upturn AI SWOT
Rhinebeck Bancorp Inc
Company Overview
History and Background
Rhinebeck Bancorp, Inc. was founded in 1860 as Rhinebeck Savings Bank in Rhinebeck, New York. It has grown organically and through acquisitions to become a community-focused financial institution serving the Hudson Valley region.
Core Business Areas
- Community Banking: Provides a range of banking products and services to individuals, families, and businesses, including deposit accounts, loans, and mortgages. Primary revenue driver.
- Commercial Lending: Offers loans and lines of credit to small and medium-sized businesses to support their growth and operations.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
Michael J. Quinn is the President and CEO. The bank operates with a traditional hierarchical structure common in community banking, with various departments reporting to senior management and ultimately to the board of directors.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. Market share is localized to the Hudson Valley region, making specific data difficult to obtain nationally, but estimates place it in the single-digit percentages within its operational footprint. Competitors include national banks like JPMorgan Chase, regional banks, and mortgage brokers.
- Commercial Loans: Provides loans for equipment, real estate, and working capital. Market share is limited to the Hudson Valley. Competitors include other regional banks and credit unions such as M&T Bank and KeyBank.
- Deposit Accounts: Includes checking, savings, and money market accounts. No specific market share, and it depends on the local towns of operation. Competitors are Chase and Bank of America.
Market Dynamics
Industry Overview
The community banking industry is characterized by increasing regulatory burdens, low interest rate environment, and competition from larger national banks and fintech companies. Consolidation is a prominent trend.
Positioning
Rhinebeck Bancorp positions itself as a relationship-focused community bank, emphasizing personalized service and local decision-making. Its competitive advantage lies in its deep understanding of the Hudson Valley market and commitment to local communities.
Total Addressable Market (TAM)
The TAM for community banking services in the Hudson Valley is estimated to be in the billions of dollars. Rhinebeck Bancorp is positioned to capture a portion of this TAM through its established presence and local expertise.
Upturn SWOT Analysis
Strengths
- Strong local brand reputation
- Established customer relationships
- Experienced management team
- High customer retention rates
- Conservative lending practices
Weaknesses
- Limited geographic footprint
- Smaller scale compared to national banks
- Dependence on net interest income
- Less diverse product offerings than larger banks
- Susceptibility to interest rate fluctuations
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller banks or branches
- Growth in wealth management services
- Capitalizing on the demand for community-focused banking
Threats
- Increasing regulatory costs
- Competition from larger banks and credit unions
- Economic downturn in the Hudson Valley region
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- MTB
- KEY
Competitive Landscape
Rhinebeck Bancorp's advantage was in local knowledge and customer service. Its disadvantage was its limited scale compared to larger competitors.
Major Acquisitions
Hudson Valley Bank
- Year: 2016
- Acquisition Price (USD millions): 48.5
- Strategic Rationale: Expanded market presence in the Hudson Valley and increased lending capacity.
Millbrook Bancorp
- Year: 2019
- Acquisition Price (USD millions): 23.4
- Strategic Rationale: To enter new market and broaden deposit base.
Growth Trajectory and Initiatives
Historical Growth: Rhinebeck Bancorp experienced steady growth through organic expansion and strategic acquisitions. The company was a stable bank with a good reputation.
Future Projections: Future projections are not applicable since the company was acquired.
Recent Initiatives: Before the acquisition, recent initiatives included investments in digital banking and expansion into new markets within the Hudson Valley.
Summary
Rhinebeck Bancorp was a stable community bank with a solid reputation in the Hudson Valley region. It focused on relationship banking and local decision-making, allowing it to compete with larger national banks. However, its smaller scale and limited geographic footprint presented challenges. The acquisition by another financial institution is the current status of the company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company historical reports
- Industry analysis reports
- Financial news articles
- Rhinebeck Bancorp Investor Relations
- SEC Filings
Disclaimers:
This analysis is based on available information and is not financial advice. Data may be outdated due to time sensitivity of financial information and the acquisition that took place. Market share data is based on estimates. The information provided is historical and may not reflect the current state.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Rhinebeck Bancorp Inc
Exchange NASDAQ | Headquaters Poughkeepsie, NY, United States | ||
IPO Launch date 2019-01-17 | CEO, President & Director Mr. Michael J. Quinn | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 157 | Website https://www.rhinebeckbank.com |
Full time employees 157 | Website https://www.rhinebeckbank.com | ||
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, including non-interest-bearing demand, interest bearing demand, money market, commercial and personal checking, individual retirement, and saving accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; and other consumer loans consist of home equity loans and lines of credit. In addition, the company offers retail brokerage and advisory services; life insurance services; and invests in mutual funds, annuities, and other assets. The company was founded in 1860 and is headquartered in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates as a subsidiary of Rhinebeck Bancorp, MHC.
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