Rhinebeck Bancorp, Inc. Common Stock (RBKB)

Price$16.37

Value ScoreD

Growth ScoreD

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)47.52%

Price vs S&P 500 (4W)-5.09%

VGM Score47.01

Market Capitalization$181.85M

P/E Ratio (Annual)18.10x

All Metrics

P/CF (Annual)15.49x

Book Value / Share (Quarterly)$12.43

P/TBV (Annual)0.98x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)5.84%

Cash Flow / Share (Quarterly)$0.86

Price vs S&P 500 (YTD)24.51%

Net Profit Margin (TTM)9.66%

EPS (TTM)$0.91

10-Day Avg Trading Volume0.01M

EPS Excl Extra (TTM)$0.91

Revenue Growth (5Y)11.75%

EPS (Annual)$0.92

ROI (Annual)7.07%

Net Profit Margin (5Y Avg)16.51%

Cash / Share (Quarterly)$1.24

P/E Basic Excl Extra (TTM)18.23x

Revenue Growth QoQ (YoY)23.75%

EPS Growth (5Y)10.71%

P/E Normalized (Annual)18.10x

ROA (Last FY)0.77%

Revenue Growth TTM (YoY)25.28%

EBITD / Share (TTM)$1.03

ROE (5Y Avg)3.96%

Operating Margin (TTM)12.61%

Cash Flow / Share (Annual)$0.98

P/B Ratio1.31x

P/B Ratio (Quarterly)1.24x

Net Income / Employee (Annual)$63,600

ROA (TTM)0.77%

EPS Growth QoQ (YoY)-3.68%

EV / EBITDA (TTM)12.80x

EPS Incl Extra (Annual)$0.92

3-Month Avg Trading Volume0.01M

52-Week Price Return38.99%

EV / Free Cash Flow (Annual)17.17x

P/E Incl Extra (TTM)18.23x

Tangible BV / Share (Quarterly)$12.42

P/S Ratio (Annual)1.50x

52-Week High$17.99

EPS Excl Extra (Annual)$0.92

CapEx CAGR (5Y)-14.59%

Tangible BV CAGR (5Y)3.29%

26-Week Price Return63.45%

13-Week Price Return1.75%

Total Debt / Equity (Annual)0.04x

Enterprise Value$187.00M

Revenue / Share Growth (5Y)8.15%

Book Value / Share Growth (5Y)3.20%

Revenue / Employee (Annual)$256,623,700,000

Pretax Margin (Annual)18.64%

Cash / Share (Annual)$1.18

3-Month Return Std Dev23.12%

Net Income / Employee (TTM)$63,100

EBITDA CAGR (5Y)7.75%

EBITDA Interim CAGR (5Y)11.17%

ROE (Last FY)7.34%

EPS Basic Excl Extra (Annual)$0.92

P/FCF (TTM)18.99x

EV / Free Cash Flow (TTM)19.52x

Total Debt / Equity (Quarterly)0.04x

EPS Incl Extra (TTM)$0.91

ROI (TTM)7.15%

P/S Ratio (TTM)1.62x

Pretax Margin (5Y Avg)20.99%

Revenue / Share (Annual)$4.34

Tangible BV / Share (Annual)$12.27

Free OCF CAGR (5Y)-3.45%

Price vs S&P 500 (52W)10.78%

P/E Ratio (TTM)18.23x

Year-to-Date Return35.44%

5-Day Price Return5.03%

EPS Normalized (Annual)$0.92

ROA (5Y Avg)0.37%

Net Profit Margin (Annual)14.66%

Month-to-Date Return-0.37%

Cash Flow / Share (TTM)$0.53

EBITD / Share (Annual)$1.28

EPS Growth (3Y)12.94%

Operating Margin (Annual)18.64%

LT Debt / Equity (Annual)0.04x

P/CF (TTM)16.61x

ROI (5Y Avg)3.79%

P/E Excl Extra (TTM)18.23x

LT Debt / Equity (Quarterly)0.04x

EPS Basic Excl Extra (TTM)$0.91

P/TBV (Quarterly)1.24x

P/B Ratio (Annual)0.98x

Pretax Margin (TTM)12.61%

Book Value / Share (Annual)$12.28

Price vs S&P 500 (13W)-8.00%

Net Margin Growth (5Y)-0.36%

Beta0.16x

P/FCF (Annual)16.69x

Revenue / Share (TTM)$4.05

ROE (TTM)7.42%

52-Week Low$9.41

vGradeD

gGradeD

mGradeB

vgmGradeC

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Earnings Surprise History

Q1 260.20est. —

Industry Peers — Savings Institutions(25)

Symbol	Value Score	Growth Score	Momentum Score	Price
RBKBRhinebeck Bancorp, Inc. Common Stock	D	D	B	$16.37
FLGFlagstar Bank, National Association	C	F	B	$13.78
BBTBeacon Financial Corporation	C	F	D	$28.59
HFWAHeritage Financial Corp	C	C	C	$27.10
NBBKNB Bancorp, Inc. Common Stock	D	D	D	$19.69
SMBCSouthern Missouri Bancorp	C	B	B	$68.16
TCBXThird Coast Bancshares, Inc. Common Stock	C	B	D	$37.97
HBCPHome Bancorp, Inc.	C	C	C	$64.06
GCBCGreene County Bancorp Inc	D	C	B	$26.24
AVBCAvidia Bancorp, Inc.	C	F	C	$19.10
PBFSPioneer Bancorp, Inc. Common Stock	D	C	C	$16.36

About

Rhinebeck Bancorp is a bank holding company serving consumer and commercial customers through deposit-taking, lending, and wealth management services. Its loan portfolio includes automobile, commercial real estate, commercial business, and residential mortgage loans. The company also provides investment advisory and financial product sales through Rhinebeck Asset Management.