Stocktoria

Rhinebeck Bancorp, Inc. RBKB

Nasdaq · stock · Savings Institutions, Not Federally Chartered · website · IPO 2019-01-17

Rhinebeck Bancorp, Inc. statistics & valuation

Market cap$194.2M
P / E19.3×
P / S65.1×
P / B1.4×
P / FCF17.8×
Net margin336.6%
Return on equity7.3%
FCF margin365.0%
Graham number +25%$15.95

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($15.95); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
124.80% 155.30% 211.20% 260.00% 447.30% 247.30% 152.60% -287.10% 336.60% 201720182019202020212022202320242025
Gross margin (%)
201720182019202020212022202320242025
Operating margin (%)
201720182019202020212022202320242025
Return on equity (%)
5.50% 7.40% 5.40% 5.10% 9.20% 6.50% 3.90% -7.10% 7.30% 201720182019202020212022202320242025
Shares outstanding
100 0 11.1M 11.3M 11.3M 11.3M 11.1M 11.1M 11.1M 201720182019202020212022202320242025
Net debt ($)
201720182019202020212022202320242025
Share buybacks ($)
201720182019202020212022202320242025
Return on assets (%)
0.40% 0.50% 0.60% 0.50% 0.90% 0.50% 0.30% -0.70% 0.80% 201720182019202020212022202320242025
Free cash flow margin (%)
194.90% 265.90% 337.20% 570.20% 227.50% 483.00% 224.70% 255.80% 365.00% 201720182019202020212022202320242025
Debt / equity (×)
201720182019202020212022202320242025
EPS ($)
$0.56 $0.55 $1.06 $0.64 $0.40 -$0.80 $0.92 201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Rhinebeck Bancorp, Inc. trades at about 13.9× earnings — above its 10-year norm (10-year range 7.3×–15.8×, median 11.7×).

7.3× 15.8×

Shaded band = 10-year range (7.3×–15.8×); dot = today's 13.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Net margin336.6%-287.1%152.6%247.3%447.3%260.0%211.2%155.3%124.8%
FCF margin365.0%255.8%224.7%483.0%227.5%570.2%337.2%265.9%194.9%
Return on assets0.8%-0.7%0.3%0.5%0.9%0.5%0.6%0.5%0.4%
Return on equity7.3%-7.1%3.9%6.5%9.2%5.1%5.4%7.4%5.5%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.