Stock Ratings / Financials / RBKB / options

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Rhinebeck Bancorp Inc. (RBKB) Options Positioning, Max Pain & Unusual Sweeps

$12.85 +0.16% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $12.83

Rhinebeck Bancorp Inc. (RBKB) carries a Roarable Rating of C- (Hold) with 61/100 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.

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $200.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $12.83 (-0.16%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RBKB)Realized 20D OHLCV Swing Band: ±2.9%

Deterministic 5-Pillar Attribution (61/100 Composite)

🔍 WHY RBKB SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (25% of score)

FRED Regime × Technicals: 93% of 52W Range • RSI-14 at 53.7 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$12.86-0.1% Next Q

Q2 (-2Q)

Grade B-$12.85+0.6% Next Q

Q3 (-1Q)

Grade C+$12.93-0.6% Next Q

Current

Grade C-$12.85+0.5% Hist 90D α

Trajectory: B- (69) → C- (61)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RBKB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (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.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($12.85) or 200D SMA ($11.70) invalidates the momentum regime and cuts Target Base ($13.02) toward Bear Floor ($10.16).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RBKB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “RBKB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 61%NO 39%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±2.9%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (RBKB)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for RBKB.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating RBKB & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on RBKB
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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RBKB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.83%📐 HORIZONTAL RANGE

2026-10-30O $12.87H $13.10L $12.85C $12.85VOL 168.4K

RES: $13.54SUP: $11.13SMA50: $12.85SMA200: $11.70

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RBKB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RBKB Butterfly Map → + Track RBKB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

13.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RBKB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RBKB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RBKB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RBKB)

Financials Rank #473 of 1096 ⚔️ ECBK vs RBKB Full Matrix →

1. Head-to-Head Financials Peer Comparison (RBKB vs. ECBK, HYNE, SRBK, FBLA)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Rhinebeck Bancorp Inc. (RBKB) ranks #473 by composite RQD confidence (61/100, 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 68/100 (C+) compared with RBKB at 61/100 (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-	61/100	20.0x	—	7.3%	+0.16%	$200.9M	Benchmark Subject
ECBK ECB Bancorp Inc.	C+	68/100	24.0x	—	4.5%	+1.23%	$186.4M	/ecbk-vs-rbkb →
HYNE Hoyne Bancorp Inc.	D+	53/100	—	—	0.1%	+1.44%	$153.7M	/hyne-vs-rbkb →
SRBK SR Bancorp Inc.	D+	57/100	29.3x	—	2.7%	+0.64%	$150.5M	/srbk-vs-rbkb →
FBLA FB Bancorp Inc.	D	44/100	—	—	0.4%	-1.56%	$271.0M	/fbla-vs-rbkb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001751783

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	—	—

3. RBKB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RBKB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Rhinebeck Bancorp Inc. (NASDAQ: RBKB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 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 8/20, 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 #473 in composite RQD confidence.

How does RBKB compare to ECBK and HYNE in the Financials sector?

Within the Financials sector (Banks), RBKB carries a Roarable C- (61/100 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 (68/100 RQD, P/E 24.0x, ROIC 4.5%, cap $186.4M) and HYNE (Hoyne Bancorp Inc.) posts a D+ grade (53/100 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).

What are the biggest fundamental strengths and SEC risk factors for RBKB?

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.

Where is RBKB trading relative to its 50-day, 200-day, and 52-week technical levels?

RBKB last traded at $12.85 (+0.16% on volume of 30,878 shares), positioning the stock 0.00% above its 50-day simple moving average ($12.85) and +9.83% above its 200-day simple moving average ($11.70). Across its 52-week range of $6.74 to $13.29, RBKB sits at the 93.3% percentile with a 14-day RSI of 53.7 (NEUTRAL RANGE) and an implied next-earnings move of ±2.9% ($12.48 to $13.22).