Stocktoria
Rhinebeck Bancorp, Inc. RBKB
Rhinebeck Bancorp, Inc. (RBKB) earns a Piotroski F-score of 4/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $3.0M at a 336.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| RBKB | Rhinebeck Bancorp, Inc. | 4/9 | — | 19.3 | — |
| ECBK | ECB Bancorp, Inc. /MD/ | 5/9 | — | 22.1 | — |
| PBFS | Pioneer Bancorp, Inc./MD | 4/9 | — | 20.8 | +5.8% |
| BBT | Beacon Financial Corp | 5/9 | — | 29.2 | -92.5% |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| NMR | NOMURA HOLDINGS INC | 2/9 | — | — | +0.5% |
All Finance, Insurance & Real Estate companies →
About Rhinebeck Bancorp, Inc.
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. 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.
FAQ
Is RBKB financially healthy?
Rhinebeck Bancorp, Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does RBKB pay a dividend?
No, Rhinebeck Bancorp, Inc. does not currently pay a dividend.
How profitable is RBKB?
In FY2025, Rhinebeck Bancorp, Inc. had a net margin of 336.6% and a return on equity of 7.3%.
Is RBKB overvalued or undervalued?
Rhinebeck Bancorp, Inc. trades at about 13.9× trailing earnings — above its 10-year norm (10-year range 7.3×–15.8×, median 11.7×). Stocktoria reports the data, not buy/sell advice.
Is RBKB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Rhinebeck Bancorp, Inc.: a Piotroski F-score of 4/9, a P/E of about 19.3×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.