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Upturn AI SWOT - About
Rhinebeck Bancorp Inc (RBKB)
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Upturn Advisory Summary
09/16/2025: RBKB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 22.85% | Avg. Invested days 62 | 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 09/16/2025 |
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. It has evolved from a savings bank to a full-service community bank, serving the Hudson Valley region of New York. Through organic growth and strategic acquisitions, it has expanded its footprint and services.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals, families, and small businesses. These include checking and savings accounts, loans, and other financial services.
- Commercial Lending: Offers commercial real estate loans, business loans, and other financing solutions to businesses in the Hudson Valley region.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
Rhinebeck Bancorp Inc. is led by a board of directors and a management team. The organizational structure includes various departments responsible for different aspects of the business, such as lending, operations, finance, and marketing.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. While specific market share data is difficult to obtain for Rhinebeck Bancorp alone, the residential mortgage market is highly competitive, with major players like JPMorgan Chase, Wells Fargo, and Bank of America dominating nationwide. Competitors include local credit unions and other regional banks.
- Commercial Real Estate Loans: Provides financing for commercial properties. Rhinebeck's market share within the Hudson Valley's commercial real estate lending market is moderate. Competitors include larger national banks and private lenders.
- Personal Banking Services: Including checking and savings accounts. Competitors include local credit unions, other regional banks, and national banks like Chase and Bank of America.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities. Regulatory changes, interest rate fluctuations, and increasing competition from fintech companies are key factors shaping the landscape. Community banks like Rhinebeck are focused on providing personalized service and building relationships with local customers.
Positioning
Rhinebeck Bancorp is positioned as a community bank focused on serving the Hudson Valley region. Its competitive advantages include its local presence, strong customer relationships, and understanding of the local market.
Total Addressable Market (TAM)
The total addressable market for banking services in the Hudson Valley region is estimated to be several billion dollars. Rhinebeck Bancorp is positioned to capture a portion of this market through its community-focused approach and established presence.
Upturn SWOT Analysis
Strengths
- Strong local presence in the Hudson Valley
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on local economy
- Lower brand recognition outside the Hudson Valley
Opportunities
- Expanding into new markets within the Hudson Valley
- Increasing online banking and mobile banking offerings
- Acquiring smaller banks or credit unions
- Capitalizing on the growing demand for wealth management services
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in the Hudson Valley
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTSI
- CNBKA
- ESSA
Competitive Landscape
Rhinebeck Bancorp's advantages include its strong local presence and customer relationships. Disadvantages include its smaller scale and limited geographic diversification compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to real-time data, I cannot provide an analysis of historical performance.
Future Projections: Future projections require access to analyst estimates. I cannot provide analyst estimates.
Recent Initiatives: Recent initiatives require up-to-date company-specific information that I do not have access to. Check their website for up-to-date initiatives.
Summary
Rhinebeck Bancorp is a community-focused bank with a strong presence in the Hudson Valley. Its strengths lie in its local relationships and conservative lending. However, its smaller size and limited diversification pose challenges. It needs to focus on increasing online banking options and strategically expand into new markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Financial News Sources
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is based on estimations and may not be precise.
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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