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Upturn AI SWOT - About
Rhinebeck Bancorp Inc (RBKB)
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Upturn Advisory Summary
06/27/2025: 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.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.61% | Avg. Invested days 51 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Rhinebeck Bancorp Inc
Company Overview
History and Background
Rhinebeck Bancorp, Inc. was founded in 1860 and operates as the holding company for Rhinebeck Bank. The bank provides a variety of banking and financial services to individuals and businesses primarily in the Hudson Valley region of New York.
Core Business Areas
- Commercial Banking: Offers a range of loan products, deposit accounts, and cash management services to businesses.
- Retail Banking: Provides checking and savings accounts, mortgage loans, personal loans, and other services to individual customers.
- Wealth Management: Offers wealth management and trust services.
Leadership and Structure
Rhinebeck Bancorp Inc. is led by its Board of Directors and executive management team. The organizational structure comprises various departments overseeing different aspects of banking operations, including lending, retail banking, and finance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. Lacks detailed market share data; competes with national and regional banks. Competitors include JPM, BAC, WFC.
- Commercial Loans: Provides loans for business expansion, equipment financing, and working capital. Lacks detailed market share data; competes with regional and national banks. Competitors include JPM, BAC, USB.
- Deposit Accounts: Offers checking, savings, and money market accounts. Lacks detailed market share data; competes with other local and regional banks. Competitors include KeyCorp, NYCB.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing competition, regulatory scrutiny, and technological advancements. Interest rates, economic growth, and credit quality significantly impact performance.
Positioning
Rhinebeck Bancorp Inc. operates as a community bank, focusing on personalized service and local market expertise. Its competitive advantage lies in its strong customer relationships and understanding of the local economy.
Total Addressable Market (TAM)
TAM is estimated based on the total banking activity in the Hudson Valley region. Rhinebeck Bancorp Inc. aims to capture a greater share of this market through enhanced customer service and targeted marketing efforts. TAM figures for the HV region are estimated to be in the billions (USD).
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower brand recognition compared to national banks
Opportunities
- Expansion into new markets within the Hudson Valley
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and credit unions
- Economic downturn in the region
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- JPM
- BAC
- USB
- NYCB
- KEY
Competitive Landscape
Rhinebeck Bancorp Inc. faces intense competition from larger national and regional banks. Its ability to differentiate through personalized service and local market knowledge will be key to its success.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can only be assessed with actual financial data. Requires accessing recent quarterly or annual reports from SEC filings to populate data.
Future Projections: Future growth projections require access to analyst estimates. Requires accessing recent quarterly or annual reports from SEC filings to populate data.
Recent Initiatives: Recent initiatives might include expansion of digital banking services or strategic partnerships.
Summary
Rhinebeck Bancorp Inc. is a community bank with a strong presence in the Hudson Valley. Its strengths include customer relationships and local market expertise, but it faces challenges from larger competitors. To sustain growth, it needs to leverage digital banking and explore strategic acquisitions. The bank operates in a highly competitive environment and will need to innovate to maintain profitability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Past performance is not indicative of future results.
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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