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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
10/27/2026: RBKB (4-star) is a REGULAR-BUY. BUY for 225 days. Simulated Profits (54.50%). Updated daily EoD!
Rhinebeck Bancorp Inc is a regional bank holding company centered in New York’s Hudson Valley. The stock offers exposure to community banking following a recent transformational 2026 conversion that eliminated its mutual holding structure and bolstered its capital position by $88.8 million. While this provides a platform for growth, the company faces operational challenges, including stagnant earnings and a multi-year decline in loan volumes. Investors should monitor how management deploys the newly raised capital to reverse these trends. The stock may interest value-oriented investors attracted to its tangible book value, though its long-term performance remains dependent on improved operational efficiency and successful execution in a competitive regional banking market.
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 | Mixed fit | While capital has been raised for expansion, the company has historically shown flat earnings growth. |
| Momentum investor | Mixed fit | Price performance around the 2026 conversion was strong, but long-term momentum remains dependent on earnings execution. |
| Value investor | Strong fit | The stock trades near tangible book value, which may appeal to value-oriented investors seeking regional banking exposure. |
| Dividend investor | Mixed fit | Dividend policy is evolving post-conversion, making it currently less predictable for income-focused investors. |
| Low-risk investor | Mixed fit | Community bank stability is offset by the execution risks of the new, post-conversion business strategy. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock has experienced significant price movements related to structural changes like the 2026 conversion. |
| Valuation risk | Medium | While trading near tangible book value, the company's limited earnings growth may limit valuation upside. |
| Competition risk (Regional Banking) | High | Strong competition from larger regional and national banks threatens market share and margin expansion. |
| Business quality | Medium | The company has a solid regional franchise but faces efficiency and profitability challenges. |
| Dividend income | Medium | Dividend reliability is still being established following the major corporate restructuring. |
| Execution risk | Medium / high | Success depends on the effective deployment of $88.8 million in new capital to drive future growth. |
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 82.79% | Avg. Invested days 104 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/27/2026 |
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 200.92M USD | Price to earnings Ratio 14.12 | 1Y Target Price - |
Price to earnings Ratio 14.12 | 1Y Target Price - | ||
Volume (30-day avg) 118.7K shares | Beta 0.17 | 52 Weeks Range 6.74 - 13.29 | Updated Date 10/26/2026 |
52 Weeks Range 6.74 - 13.29 | Updated Date 10/26/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.91 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial & Residential Lending | Interest income from commercial real estate, multi-family, construction, and residential mortgages. | The company earns most of its money from the interest paid by borrowers on various loans. |
| Retail Deposits | Interest expense on deposits; the spread between loan interest income and deposit interest expense. | This is the primary funding source for the bank's lending activities. |
| Wealth Management | Fees from investment advisory and financial planning services via Rhinebeck Asset Management. | Provides secondary fee-based income, diversifying revenue beyond traditional lending. |
| Geography: Hudson Valley, NY | Operations concentrated in Dutchess, Ulster, and Orange counties. | The company's performance is tied heavily to the economic health of the Hudson Valley. |
Valuation
Trailing PE 14.12 | Forward PE - | Enterprise Value -90.79M | Price to Sales(TTM) 3.86 |
Enterprise Value -90.79M | Price to Sales(TTM) 3.86 | ||
Enterprise Value to Revenue 3.97 | Enterprise Value to EBITDA - | Shares Outstanding 15.64M | Shares Floating 14.53M |
Shares Outstanding 15.64M | Shares Floating 14.53M | ||
Percent Insiders 42.99 | Percent Institutions 15.17 |
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.
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