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Upturn AI Summary - About
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
10/13/2026: RBKB (4-star) is a REGULAR-BUY. BUY for 215 days. Simulated Profits (54.62%). Updated daily EoD!
Rhinebeck Bancorp Inc is a regional bank holding company serving the Hudson Valley, recently transformed into a fully-public institution following a 2026 stock conversion. The company benefits from a long-standing community legacy and a significantly bolstered capital position that provides a foundation for future lending and growth. While its recent financial performance has been muted with declining loan volumes, the core opportunity lies in deploying new capital to expand its commercial and digital banking reach. Investors should monitor execution risk regarding capital deployment and competitive pressure from larger banks. The stock is currently valued near its tangible book value, potentially appealing to long-term value-oriented investors.
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 | The company is in an early phase of post-conversion capital deployment, offering potential but unproven growth. |
| Momentum investor | Mixed fit | The stock has shown significant recent price movement, but momentum is conditional on future operational execution. |
| Value investor | Strong fit | The stock trades near its tangible book value, which may appeal to value-oriented investors. |
| Dividend investor | Weak fit | There is currently no established track record of dividend payments for the newly restructured entity. |
| Low-risk investor | Mixed fit | While it is a community bank, the recent conversion and current earnings headwinds introduce short-term uncertainty. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock has experienced significant price swings related to the 2026 restructuring and conversion events. |
| Valuation risk | Medium | Trading near tangible book value limits downside but requires earnings growth to drive future price appreciation. |
| Competition risk (regional banking) | High | The company faces stiff competition from larger banks with more resources in the Hudson Valley. |
| Business quality | Medium | Efficiency metrics and returns have been lackluster, requiring improved operational execution. |
| Dividend income | Low / none | The company has not prioritized dividend payments as it focuses on capital deployment. |
| Execution risk | Medium / high | Management must now successfully deploy new capital to reverse a trend of declining loan volumes. |
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 82.93% | Avg. Invested days 102 | Today’s Advisory Regular Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/13/2026 |
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 201.23M USD | Price to earnings Ratio 14.14 | 1Y Target Price - |
Price to earnings Ratio 14.14 | 1Y Target Price - | ||
Volume (30-day avg) 132.1K shares | Beta 0.17 | 52 Weeks Range 6.74 - 13.29 | Updated Date 10/13/2026 |
52 Weeks Range 6.74 - 13.29 | Updated Date 10/13/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.91 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Banking | Commercial real estate, business, and construction loans. | The company earns money by charging interest on loans made to businesses in its local area. |
| Consumer Banking | Residential mortgages, personal loans, and deposit products. | The bank collects deposits from locals and earns interest through home and personal loans. |
| Wealth Management | Rhinebeck Asset Management services. | The bank earns fee-based income by helping customers manage their investments and financial plans. |
Valuation
Trailing PE 14.14 | Forward PE - | Enterprise Value -90.48M | Price to Sales(TTM) 3.87 |
Enterprise Value -90.48M | Price to Sales(TTM) 3.87 | ||
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 16.09 |
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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