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Rhinebeck Bancorp Inc(RBKB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RBKB
09/14/2026: RBKB (4-star) is a STRONG-BUY. BUY for 194 days. Simulated Profits (54.38%). Updated daily EoD!
Rhinebeck Bancorp Inc is a regional, community-focused bank operating primarily in New York's Hudson Valley. The company is best known for its stable, relationship-driven approach to retail and commercial banking. Its primary investment story centers on consistent, conservative growth and the maintenance of a reliable dividend. Key risks include geographic concentration in the Hudson Valley, sensitivity to interest rate fluctuations, and intense competition from larger, tech-heavy national banks. Rhinebeck may best suit dividend-oriented and conservative investors who value stability and localized market knowledge. Investors should monitor the bank's progress in digital modernization and its ability to manage net interest margins in evolving economic environments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature, slow-growth industry with limited opportunities for rapid capital appreciation. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volume and lacks the rapid price appreciation patterns sought by momentum traders. |
| Value investor | Mixed fit | Investors may find interest in the bank's tangible book value and consistent regional performance, though valuation depends heavily on interest rate trends. |
| Dividend investor | Strong fit | The company provides a reliable income stream typical of established, dividend-paying community banks. |
| Low-risk investor | Strong fit while signal remains positive | The business model is conservative and focuses on traditional lending, suitable for investors seeking stability over high growth. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a smaller-cap stock, liquidity can impact price stability during market stress. |
| Valuation risk | Medium | Changes in interest rate expectations can rapidly reprice regional bank stocks. |
| Competition risk (regional banking competition) | Medium / high | The bank faces competition from larger, better-capitalized regional banks. |
| Business quality | Medium | The company is a stable, mature entity with a predictable but limited business franchise. |
| Dividend income | Low | Dividend payments are generally stable, though earnings pressure could theoretically impact future payouts. |
| Execution risk | Low | Management has a long track record, reducing risks associated with strategy implementation. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 82.65% | Avg. Invested days 97 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/14/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 201.08M USD | Price to earnings Ratio 14.29 | 1Y Target Price - |
Price to earnings Ratio 14.29 | 1Y Target Price - | ||
Volume (30-day avg) 122.1K shares | Beta 0.16 | 52 Weeks Range 6.74 - 13.23 | Updated Date 09/15/2026 |
52 Weeks Range 6.74 - 13.23 | Updated Date 09/15/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.9 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and residential loans minus interest paid on deposits. | The bank makes most of its money by lending out deposits at higher rates than it pays to savers. |
| Non-Interest Income | Fees from banking services, wealth management, and other customer services. | These are service fees that provide a secondary, more stable income stream compared to interest-based revenue. |
Valuation
Trailing PE 14.29 | Forward PE - | Enterprise Value -90.64M | Price to Sales(TTM) 3.86 |
Enterprise Value -90.64M | Price to Sales(TTM) 3.86 | ||
Enterprise Value to Revenue 3.94 | Enterprise Value to EBITDA - | Shares Outstanding 15.64M | Shares Floating 13.71M |
Shares Outstanding 15.64M | Shares Floating 13.71M | ||
Percent Insiders 42.99 | Percent Institutions 16.06 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Rhinebeck Bancorp Inc
Exchange NASDAQ | Headquarters Poughkeepsie, NY, United States | ||
IPO Launch date 2019-01-17 | President, CEO & Director Mr. Matthew J. Smith | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 158 | Website https://www.rhinebeckbank.com |
Full time employees 158 | 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 United States. The company offers deposits, including non-interest-bearing demand, interest-bearing demand, money market, commercial and personal checking, individual retirement, and savings 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; other consumer loans, including home equity loans; and personal loans. In addition, the company offers retail brokerage; retirement planning; financial planning and advisory; life insurance and investment products; ATMs, online banking and bill pay, mobile banking with mobile deposit and bill pay, automated clearing house origination, remote deposit capture, and telephone banking; debit and credit cards; wire transfer and merchant services; and wealth management services. Further, it invests in mutual funds and annuities. The company was founded in 1860 and is based in Poughkeepsie, New York.
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