Rhinebeck Bancorp Inc. (RBKB) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, Rhinebeck Bancorp Inc. (NASDAQ: RBKB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $12.85 (+0.16% 1D, market cap $200.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, RBKB ranks #321 in composite RQD confidence.
Within the Financials sector (Banks), RBKB carries a Roarable C (64/100 RQD), trailing P/E of 20.0x, gross margin of —, and ROIC of 7.3%. By comparison, ECBK (ECB Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 24.0x, ROIC 4.5%, cap $186.4M) and HYNE (Hoyne Bancorp Inc.) posts a D+ grade (56/100 RQD, P/E N/A, ROIC 0.1%, cap $153.7M). Among the 5-stock peer group, RBKB leads on earnings multiple (20.0x) while RBKB leads on capital efficiency (7.3% ROIC).
Per RBKB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001751783), Rhinebeck Bancorp Inc. generated $0 in revenue, $10.0M in net income, and $10.9M in free cash flow against $1.30B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 93% of 52W Range • RSI-14 at 49.4 (NEUTRAL RANGE)
SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)
Even with a 64/100 (C) score, RBKB faces multiple-compression risk if 20.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($12.86) or 200D SMA ($11.72) invalidates the momentum regime and cuts Target Base ($13.20) toward Bear Floor ($10.30).
Rhinebeck Bancorp Inc. (RBKB) advanced +0.16% to $12.85, trading at 93% of its 52-week range ($6.74 – $13.28). Solid steady margins (7% return on capital), mixed timing at 20x P/E—hold if owned, no rush to chase.
POUGHKEEPSIE, NY / ACCESS Newswire / October 29, 2026 / , Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended September 30, 2026 of $3.
Rhinebeck Bancorp (NASDAQ:RBKB) reported quarterly earnings of $0.21 per share. This is a 16.67 percent increase over earnings of $0.18 per share from the same period last year. The company reported $15.074 million in
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on RBKB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for RBKB. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Rhinebeck Bancorp Inc. (RBKB) ranks #321 by composite RQD confidence (64/100, grade C) and #882 by equity capitalization ($200.9M). Within this direct 5-issuer industry benchmark cohort, RBKB leads on earnings valuation at 20.0x trailing P/E, while RBKB leads on capital efficiency and profitability with 7.3% ROIC and — gross margin. ECBK currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with RBKB at 64/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| RBKB
ACTIVE
Rhinebeck Bancorp Inc. | C | 64/100 | 20.0x | — | 7.3% | +0.16% | $200.9M | Benchmark Subject |
| ECBK ECB Bancorp Inc. | C+ | 67/100 | 24.0x | — | 4.5% | +1.23% | $186.4M | /ecbk-vs-rbkb → |
| HYNE Hoyne Bancorp Inc. | D+ | 56/100 | — | — | 0.1% | +1.44% | $153.7M | /hyne-vs-rbkb → |
| SRBK SR Bancorp Inc. | D+ | 55/100 | 29.3x | — | 2.7% | +0.64% | $150.5M | /srbk-vs-rbkb → |
| FBLA FB Bancorp Inc. | D | 46/100 | — | — | 0.4% | -1.56% | $271.0M | /fbla-vs-rbkb → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Rhinebeck Bancorp Inc. (RBKB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $10.0M, operating cash flow of $11.7M, and free cash flow of $10.9M (+41.9% YoY). On the balance sheet, RBKB closed FY2025 with $1.30B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $10.0M | $11.7M | $10.9M | $1.30B | — |
| FY2024 (FY) | 2024-12-31 | $0 | -$8.6M | $8.5M | $7.7M | $1.26B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $4.4M | $7.0M | $7.0M | — | — |
As of 2026-11-02, Rhinebeck Bancorp Inc. (NASDAQ: RBKB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $12.85 (+0.16% 1D, market cap $200.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, RBKB ranks #321 in composite RQD confidence.
Within the Financials sector (Banks), RBKB carries a Roarable C (64/100 RQD), trailing P/E of 20.0x, gross margin of —, and ROIC of 7.3%. By comparison, ECBK (ECB Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 24.0x, ROIC 4.5%, cap $186.4M) and HYNE (Hoyne Bancorp Inc.) posts a D+ grade (56/100 RQD, P/E N/A, ROIC 0.1%, cap $153.7M). Among the 5-stock peer group, RBKB leads on earnings multiple (20.0x) while RBKB leads on capital efficiency (7.3% ROIC).
Per RBKB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001751783), Rhinebeck Bancorp Inc. generated $0 in revenue, $10.0M in net income, and $10.9M in free cash flow against $1.30B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
RBKB last traded at $12.85 (+0.16% on volume of 30,878 shares), positioning the stock -0.08% below its 50-day simple moving average ($12.86) and +9.64% above its 200-day simple moving average ($11.72). Across its 52-week range of $6.74 to $13.28, RBKB sits at the 93.4% percentile with a 14-day RSI of 49.4 (NEUTRAL RANGE) and an implied next-earnings move of ±2.8% ($12.49 to $13.21).
Why RBKB Stock advanced +0.16% Today — RQD Quant Desk Flash. Solid steady margins (7% return on capital), mixed timing at 20x P/E—hold if owned, no rush to chase.
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