Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Rhinebeck Bancorp Inc (RBKB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/21/2025: RBKB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 13.08% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/21/2025 |
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 mutual savings bank to a publicly traded holding company. It has grown organically and through acquisitions, focusing on community banking in the Hudson Valley region of New York.
Core Business Areas
- Community Banking: Offers traditional banking services including deposit accounts, loans (mortgage, commercial, and consumer), and other financial services to individuals, families, and businesses in the Hudson Valley.
Leadership and Structure
Rhinebeck Bancorp Inc. is led by a board of directors and an executive management team. The organizational structure is typical of a community bank, with departments for lending, deposit operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers a variety of mortgage products for home purchase and refinancing. Market share data is difficult to ascertain at a granular regional level but competes with national and regional banks. Competitors include Chase (JPM), Bank of America (BAC) and local credit unions.
- Commercial Loans: Provides loans to local businesses for various purposes including working capital, equipment financing, and real estate. Market share data is difficult to ascertain at a granular regional level but competes with national and regional banks. Competitors include Chase (JPM), Bank of America (BAC) and local credit unions.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include Chase (JPM), Bank of America (BAC) and online banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. Interest rate fluctuations, economic conditions, and technological advancements significantly impact profitability and growth.
Positioning
Rhinebeck Bancorp Inc. is a community bank focused on serving the Hudson Valley region. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Hudson Valley is substantial. Rhinebeck Bancorp Inc. is positioned to capture a share of this market by focusing on local relationships and community involvement.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Focus on community banking
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower brand recognition compared to large national banks
Opportunities
- Expanding into new markets within the Hudson Valley
- Increasing online banking services
- Acquiring smaller banks or branches
- Offering new financial products and services
Threats
- Increased competition from larger banks and credit unions
- Economic downturn in the Hudson Valley
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- JPM
- BAC
- USB
Competitive Landscape
Rhinebeck Bancorp Inc. faces intense competition from larger national banks and smaller community banks. Its advantage lies in its local market knowledge and customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Rhinebeck Bancorp Inc.'s historical growth has been steady, driven by organic growth and acquisitions.
Future Projections: Future growth will depend on the company's ability to expand its market share and manage expenses effectively.
Recent Initiatives: Recent strategic initiatives may include investments in technology, branch expansion, and new product offerings.
Summary
Rhinebeck Bancorp Inc. is a community-focused bank with a strong local presence. It benefits from established customer relationships, but faces competition from larger institutions. The company needs to continue to invest in technology and expand its market share while carefully managing its credit risk and economic outlook.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for general informational purposes only and should not be construed as investment advice. Market share data is estimated. Financial data needs to be obtained from latest filings.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.