Stocks · Financial Services · Banks - Regional
Rhinebeck Bancorp, Inc. RBKB
$13.23 +0.61% Close, Oct 5, 2026 · NASDAQ · Market cap $205.6M
Strong trend
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 10.3% from -12.8% a year earlier.
- The stock is in an uptrend: above its 200-day average for 170 trading days, with the 50-day average above the 200-day.
- The shares trade at 14.7× trailing earnings, higher than 82% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 48%
- FCF growth (TTM, YoY)Top 13%
- Revenue growth, 3-year CAGRBottom 35%
- Revenue growth accelerationBottom 5%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 9%
- Gross marginBottom 38%
- Operating marginBottom 22%
- Cash conversion (OCF / net income)Top 33%
- Accruals (lower is better)Bottom 50%
- Net debt / EBITDA (lower is better)Top 12%
- Interest coverBottom 17%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 49%
- Free-cash-flow yieldBottom 43%
- EBITDA / enterprise valueBottom 32%
- Sales / enterprise valueTop 49%
- P/E vs own 5-year history (lower is better)Bottom 21%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 5%
- 6-month returnTop 18%
- 1-year return vs S&P 500Top 3%
- Distance from 52-week highTop 4%
- Trend checklist (0–4)Top 10%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 41%
- Maximum drawdown, 3 yearsBottom 46%
- Beta vs S&P 500 (lower is better)Top 18%
- Net debt / EBITDA (lower is better)Top 12%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 36.1% | 7.1% | ↓ |
| Gross margin | 54.8% | 60.4% | ↑ |
| Operating margin | -12.8% | 10.3% | ↑ |
| FCF margin | 10.7% | 23.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.1% | 36.1% | ↓ | Top 48% |
| Gross margin | 60.4% | 54.8% | ↑ | Bottom 38% |
| Operating margin | 10.3% | -12.8% | ↑ | Bottom 22% |
| Net margin | 16.3% | -10.1% | ↑ | — |
| Free-cash-flow margin | 23.2% | 10.7% | ↑ | — |
| Return on invested capital | -3.1% | — | Bottom 9% | |
| Revenue growth, 3-year CAGR | 11.6% | — | Bottom 35% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.43×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -5.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.64×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -74.98%
- Shareholder yield
- -74.98%
- Share count change, 1 year
- +0.1%
- Share count change, 3-year CAGR
- +0.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.0%
- Positive 20 days after report
- 7 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | — | +2.6% | +2.3% | +5.1% | — |
| Apr 23, 2026 | — | +0.6% | +2.9% | +0.6% | +12.1% |
| Jan 29, 2026 | — | +0.2% | +7.8% | +34.7% | +38.8% |
| Oct 28, 2025 | — | -2.0% | +1.7% | +5.8% | +25.0% |
| Jul 24, 2025 | — | -1.5% | -1.9% | -0.3% | -20.6% |
| Apr 24, 2025 | — | +0.0% | +7.1% | +9.9% | +22.7% |
| Jan 30, 2025 | — | +0.0% | +0.6% | +1.5% | +3.3% |
| Oct 24, 2024 | — | -0.3% | +2.0% | +9.2% | +10.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.24 | — | — | $3.4M |
| Apr 23, 2026 | $0.20 | — | — | $18.1M |
| Jan 29, 2026 | $0.21 | — | — | $19.4M |
| Oct 28, 2025 | $0.25 | — | — | $19.7M |
| Jul 24, 2025 | $0.25 | — | — | $18.4M |
| Apr 24, 2025 | $0.21 | — | — | $18.4M |
| Jan 30, 2025 | $0.05 | — | — | $13.8M |
| Oct 24, 2024 | $0.13 | — | — | $6.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.7× | 10.8× | 82th | Top 49% |
| EV / EBITDA | 30.0× | — | — | Bottom 32% |
| EV / Sales | 3.22× | — | — | Top 49% |
| Free-cash-flow yield | 6.84% | — | — | Bottom 43% |
| Earnings yield | 6.80% | — | — | Top 49% |
P/E over the past five years
Range 7.2× – 15.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 43
- Days above the 200-day average
- 170
- 50-day average slope (20 days)
- +2.1%
- 200-day average slope (20 days)
- +4.5%
- Distance from 50-day average
- +4.3%
- Distance from 200-day average
- +17.1%
- RSI (14)
- 62.2
- Relative volume
- 0.58×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.9%
- Volatility vs own 5-year history
- 43th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.14
- Correlation with S&P 500
- 0.08
- Current drawdown from 1-year high
- +0.0%
- Maximum drawdown, 3 years
- -30.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 10, 2022 | Dec 6, 2023 | -46.2% | 479 days | 357 days (May 27, 2025) |
| Aug 22, 2025 | Oct 28, 2025 | -30.0% | 46 days | 72 days (Feb 11, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $205.6M
- P/E (TTM)
- 14.7
- EPS, diluted (TTM)
- $0.90
- Revenue (TTM)
- $60.6M
- 52-week range
- $6.74 – $13.25
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $51.1M | $54.5M | $66.4M | $54.3M | $75.8M |
| Gross profit | $50.5M | $46.4M | $42.0M | $25.9M | $51.7M |
| Operating income | $15.0M | $8.9M | $5.6M | -$10.9M | $12.7M |
| Net income | $11.6M | $7.0M | $4.4M | -$8.6M | $10.0M |
| EPS (diluted) | $1.06 | $0.64 | $0.40 | -$0.80 | $0.92 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.0M | $13.8M | $18.4M | $18.4M | $19.7M | $19.4M | $18.1M | $3.4M |
| Net income | -$8.1M | -$2.7M | $2.3M | $2.7M | $2.7M | $2.3M | $2.2M | $2.6M |
| EPS (diluted) | -$0.75 | -$0.25 | $0.21 | $0.25 | $0.25 | $0.21 | $0.20 | $0.24 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $7.7M | $14.8M | $7.0M | $8.5M | $11.7M |
| Capital expenditure | -$1.8M | -$1.1M | -$578,000 | -$791,000 | -$850,000 |
| Free cash flow | $5.9M | $13.7M | $6.5M | $7.7M | $10.9M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$125,000 | -$111,000 | -$1.5M | $0 | -$95,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $192.3M
- Total assets
- $1.47B
- Total liabilities
- $1.33B
- Total debt
- $10.3M
- Net debt
- -$10.7M
- Shareholders’ equity
- $139.6M
As of Jun 30, 2026 (filed Aug 13, 2026).
Short interest
- Shares sold short
- 278,782
- Days to cover
- 2.61
- Change vs previous report
- -8.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 22, 2026
- 1,397-for-1,000