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Rhinebeck Bancorp Inc (RBKB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Rhinebeck Bancorp Inc stock $10.20, price $13.24, that is 23.0% below the price, quality 58 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

4 models, one by oneBear $7.65 to bull $12.75 Growth analysisrevenue history, year by year Quality 58/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Some data Nov 8, 2026

Rhinebeck Bancorp Inc

RBKB · US

Solid, but expensive

Our calculation puts a fair price 23% below what the stock costs today.

Healthy Growth (revenue 5y +7.6 %/yr in USD)

Solidly profitable · 19.0% net margin (TTM)

Quality 58/100

Moderate moat 54/100 · thin data

Insiders bought $716,120 (6M) · sold $66,259

Some data

Fair value $10.20 · Overvalued

Trails peers (2/13)

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $4.44 – $13.24 · fair‑value band $7.65 – $12.75 · the $13.24 price screens above the $10.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

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 United States.

Show moreShow less

The company offers deposits, including non-interest-bearing demand, interest-bearing demand, money market, commercial and personal checking, individual retirement, and savings 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; other consumer loans, including home equity loans; and personal loans.

In addition, the company offers retail brokerage; retirement planning; financial planning and advisory; life insurance and investment products; ATMs, online banking and bill pay, mobile banking with mobile deposit and bill pay, automated clearing house origination, remote deposit capture, and telephone banking; debit and credit cards; wire transfer and merchant services; and wealth management services.

Further, it invests in mutual funds and annuities. The company was founded in 1860 and is based in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. is a subsidiary of Rhinebeck Bancorp, MHC.

Stock analysis

Rhinebeck Bancorp Inc (RBKB) currently trades at $13.24, while our model-based Fair Value estimate is $10.20, 23% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $10.20 per share, and 0 of the 4 models we run sit above the $13.24 price.

Bear case: the Asset-Based group reads lowest at $5.76, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $7.65 (bear) to $12.75 (bull), the price of $13.24 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Rhinebeck Bancorp Inc reported revenue of $75.8M in FY2025 versus $51.1M in FY2021, a compound +10.4%/yr. Reported net income was $10.0M in FY2025, compounding −3.4%/yr from FY2021.

Key figures

Market cap $207M Micro · P/E ratio 17.7 · P/S ratio 3.98 · EPS (TTM) $0.7500 · Net margin 19.0% · Return on equity 7.4% · Return on assets (EBIT) 0.5% (5-year average) · Operating margin 27.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 92% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −23%, RBKB screens cheaper than that median.

Fair Value models

Bear $7.65 Fair Value $10.20 Bull $12.75

Price $13.24 · Downside -23.0%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.6432 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $6.68 $6.89 $7.49 71

P/E Multiple $6.26 $8.35 $10.44 63

P/B Multiple $9.03 $12.04 $15.05 55

All 4 models by family

Multiples

P/E Multiple $6.26 $8.35 $10.44 63

P/B Multiple $9.03 $12.04 $15.05 55

Asset-Based

NCAV (Graham) $4.30 $5.76 $8.60 54

Economic Profit

Residual Income $6.68 $6.89 $7.49 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 58/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 25

How much profit the company makes from its sales and capital

Quality Growth 84

Are margins and returns getting better?

Cashflow 66

Do the profits arrive as real cash?

Financial strength 5

Debt, balance sheet and risk of trouble

Investment 86

Does it invest with discipline instead of growing at any price?

Low Volatility 80

How calm the share price moves, does not count

Price momentum 71

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 100

Distance to the 52-week high, does not count

New shares 79

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 4 officers or directors bought shares worth $716,120, most recently on Aug 6, 2026. Over the same period, one person sold shares worth $66,259. Buying cluster

BuyMichael VitaleEVP, Head of Comm Banking2× since Jul 22, 2026: 9,834 shares, avg. $12.14$119,400Aug 6, 2026
BuyMatthew James SmithPresident & CEO, Director12,425 shares at $12.00$149,100Jul 22, 2026
BuyNancy Koskey PatzwahlDirector25,000 shares at $11.94$298,500Jul 22, 2026
BuySuzanne LoughlinDirector12,500 shares at $11.93$149,120Jul 22, 2026
SalePhilip J Bronzi1st SVP, Com Mkt Pres2× since Dec 3, 2025: 9,208 shares, avg. $13.27$122,178May 19, 2026

Plus 22 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 80/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+39.8%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+11.6%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+7.6%

Start year 2020 (pandemic). Over 10 years: +10.0% a year

Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+8.3%

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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.

+1.8%

Earnings growth per share plus dividend.

Earnings per share, growth per year+1.8%

Dividend (yield on the price)0.0%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10.5% vs 15.2%, slowing

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.14% → 17%

2025 sits 76% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

Pace: the 5-year rate starts in 2020 (pandemic)

⚠ Revenue per share shrinking 1.3%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

RBKB screens overvalued: fair value 23% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 2/13 measures

Overall it trails its industry peers.

Valuation

Quality Score 58 · Above median

Fair Value upside −23.0% · Below median

Profitability

Return on equity (12 months) 7.4% · Below median

Return on assets 0.8% · Below median

Net margin (12 months) 19.0% · Bottom 25%

Operating margin (12 months) 27.2% · Bottom 25%

Growth and dividend

Revenue growth (quarter YoY) 1.4% · Bottom 25%

Balance sheet

Debt / equity 0.21× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 17.7× · Priciest 25%

P/B 1.51× · Priciest 25%

P/S (12 months) 3.98× · Pricier than median

Price / free cash flow (fiscal year) 19.0× · Priciest 25%

EV/EBITDA 16.0× · Priciest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)3 · sector 8

FUTURE (revenue growth)7 · sector 47

PAST (return on equity)29 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs RBKB
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs RBKB
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs RBKB
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs RBKB
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs RBKB
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs RBKB
Mizuho Financial Group MFG	$9.40	$5.89	−37%	vs RBKB
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs RBKB
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs RBKB
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs RBKB

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Cite: Fair Value Calculator (2026). "Rhinebeck Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/RBKB

Frequently asked questions

Is Rhinebeck Bancorp Inc (RBKB) overvalued or undervalued?

As of Nov 8, 2026, our model estimates a fair value of $10.20 versus a price of $13.24, about 23% lower (overvalued).

What is the fair value of RBKB?

Our model-based fair value for Rhinebeck Bancorp Inc is $10.20 (as of Nov 8, 2026), built from audited fundamentals. The current price: $13.24.

What is the quality score of RBKB?

Rhinebeck Bancorp Inc has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Rhinebeck Bancorp Inc (RBKB)?

Our model-based price target is the fair value of $10.20 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $7.65, optimistic scenario $12.75. It is a calculation from audited fundamentals, not an analyst target.

What is the Rhinebeck Bancorp Inc stock forecast for 2026?

Our models put fair value at $10.20, about 23% lower versus a price of $13.24 (overvalued). Cautious scenario $7.65, optimistic scenario $12.75. The calculation is refreshed regularly with new filings.

What is the revenue of Rhinebeck Bancorp Inc (RBKB)?

Rhinebeck Bancorp Inc reported trailing-twelve-month revenue of about $52.1M (latest available figure, as of Nov 8, 2026).

What is the intrinsic value of Rhinebeck Bancorp Inc (RBKB)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Rhinebeck Bancorp Inc it is $10.20 per share (as of Nov 8, 2026), against a price of $13.24. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).

Is Rhinebeck Bancorp Inc stock overvalued or undervalued in 2026?

As of Nov 8, 2026, RBKB trades above its calculated fair value: price $13.24, fair value $10.20, a gap of about −23% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of RBKB?

No. The price is what the market pays today ($13.24); the fair value is what the company's own numbers justify ($10.20). For Rhinebeck Bancorp Inc the two are $3.04 per share apart. That gap is exactly why we show both numbers side by side.

How much is Rhinebeck Bancorp Inc worth?

The market values Rhinebeck Bancorp Inc at about $207M (market capitalisation, as of Nov 8, 2026). Per share that is $13.24; our models calculate a fair value of $10.20 per share.

What do the bullish and bearish scenarios say about RBKB?

Our models span a range for Rhinebeck Bancorp Inc: cautious scenario $7.65, base $10.20, optimistic $12.75 per share (as of Nov 8, 2026, price $13.24). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of RBKB?

Rhinebeck Bancorp Inc trades at a price-to-earnings ratio of 17.7 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.20 is built from several models across several years. Other multiples: P/B 1.5, P/S 4.0, EV/EBITDA 16.0.

How solid is the balance sheet of Rhinebeck Bancorp Inc (RBKB)?

Balance-sheet figures for Rhinebeck Bancorp Inc (as of Nov 8, 2026): return on equity 7.4%, debt of 0.21 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.

How far is RBKB from its 52-week high?

Rhinebeck Bancorp Inc trades at $13.24, at its 52-week high of $13.24 and 92% above the low of $6.91 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $10.20 is for.

Which stocks are comparable to Rhinebeck Bancorp Inc?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Rhinebeck Bancorp Inc stock attractive at the current price?

The data as of Nov 8, 2026: price $13.24, calculated fair value $10.20 (−23%), Quality Score 58/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of RBKB calculated?

We run Rhinebeck Bancorp Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $10.20 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.3% above its aggregate fair value. Rhinebeck Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Rhinebeck Bancorp Inc (RBKB)?

The closing price on Nov 6, 2026 was $13.24. Our model-based fair value is $10.20, about 23% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Rhinebeck Bancorp Inc right now?

The price sits above even our optimistic bull case ($12.75). The favourable scenario is already priced in. Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of Rhinebeck Bancorp Inc (RBKB) come from?

Earnings per share at Rhinebeck Bancorp Inc grew +7.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share −1.1 %, EBIT margin −7.5 %, tax rate +2.3 %, residual (interest, one-offs) +14.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Rhinebeck Bancorp Inc

How large is the market capitalisation of Rhinebeck Bancorp Inc (RBKB)?

The market capitalisation of Rhinebeck Bancorp Inc is $207M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Rhinebeck Bancorp Inc (RBKB)?

The price-to-sales ratio of Rhinebeck Bancorp Inc is 3.98 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Rhinebeck Bancorp Inc (RBKB)?

Earnings per share at Rhinebeck Bancorp Inc are $0.7500 (price ÷ EPS = P/E 17.7). Earnings per share over the last twelve months: total profit spread across every single share.

What is the net margin of Rhinebeck Bancorp Inc (RBKB)?

The net margin of Rhinebeck Bancorp Inc is 19.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Rhinebeck Bancorp Inc (RBKB)?

The return on equity (ROE) of Rhinebeck Bancorp Inc is 7.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Rhinebeck Bancorp Inc (RBKB)?

On an EBIT basis the return on assets of Rhinebeck Bancorp Inc is 0.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Rhinebeck Bancorp Inc (RBKB)?

The operating margin of Rhinebeck Bancorp Inc is 27.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Rhinebeck Bancorp Inc (RBKB)?

Revenue at Rhinebeck Bancorp Inc is growing +1.4% versus a year earlier (3y avg +11.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Rhinebeck Bancorp Inc (RBKB)?

Earnings per share at Rhinebeck Bancorp Inc are growing −4.0% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Rhinebeck Bancorp Inc (RBKB) generate?

The free cash flow of Rhinebeck Bancorp Inc is $10.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does Rhinebeck Bancorp Inc (RBKB) carry?

The net debt of Rhinebeck Bancorp Inc is $11.5M (fiscal year 2025, ≈ 1.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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