Rhinebeck Bancorp, Inc.

Is Rhinebeck Bancorp, Inc. overvalued or undervalued?

As of October 24, 2024, Rhinebeck Bancorp, Inc. is considered risky and overvalued due to poor financial metrics, including a Price to Book Value of 1.03 and negative returns on capital and equity, especially when compared to peers like Investar Holding Corp. and First Savings Financial Group, which have more attractive valuations.

As of 24 October 2024, the valuation grade for Rhinebeck Bancorp, Inc. has moved from expensive to risky, indicating a deterioration in its valuation outlook. The company appears to be overvalued given its financial metrics, particularly with a Price to Book Value of 1.03 and an EV to Sales ratio of 1.99, which suggest that the market may be pricing in growth that is not currently supported by its financial performance. Additionally, the negative ROCE of -8.69% and ROE of -5.92% further highlight the challenges the company faces in generating returns for shareholders.<BR><BR>In comparison to its peers, Rhinebeck Bancorp's valuation is significantly less favorable; for instance, Investar Holding Corp. has a P/E ratio of 9.99, while First Savings Financial Group, Inc. stands at 9.54, both indicating more attractive valuations in the regional banking sector. Furthermore, the company's recent stock performance has lagged behind the S&P 500, with a 1-week return of -8.65% compared to the index's 1.05% gain, reinforcing the notion that Rhinebeck Bancorp may be overvalued relative to its peers and the broader market.

Is Rhinebeck Bancorp, Inc. technically bullish or bearish?

As of August 20, 2025, Rhinebeck Bancorp, Inc. shows a bullish technical trend overall, despite mixed signals from various indicators and caution from weekly Bollinger Bands, while outperforming the S&P 500 with a year-to-date return of 24.51%.

As of 20 August 2025, the technical trend for Rhinebeck Bancorp, Inc. has changed from mildly bullish to bullish. The monthly MACD and KST indicators are bullish, while the weekly MACD and KST are mildly bearish, indicating mixed signals across time frames. The daily moving averages are mildly bullish, suggesting some short-term strength. However, the weekly Bollinger Bands and Dow Theory are bearish and mildly bearish, respectively, which adds caution to the bullish stance. <BR><BR>In terms of performance, the stock has outperformed the S&P 500 year-to-date with a return of 24.51% compared to the S&P 500's 12.22%, and over the past year, it has returned 46.83% versus the S&P 500's 17.14%. Overall, the current technical stance is bullish, but with some caution due to mixed signals in shorter time frames.

How big is Rhinebeck Bancorp, Inc.?

As of Jun 18, Rhinebeck Bancorp, Inc. has a market capitalization of 134.29 million and total assets of 1,258.38 million, with shareholder's funds of 121.83 million.

As of Jun 18, Rhinebeck Bancorp, Inc. has a market capitalization of 134.29 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 64.77 million. However, the net profit for the same period was a loss of 7.45 million.<BR><BR>As of Dec'24, the reporting period shows that Rhinebeck Bancorp, Inc. has shareholder's funds of 121.83 million and total assets of 1,258.38 million.

What does Rhinebeck Bancorp, Inc. do?

Rhinebeck Bancorp, Inc. is the holding company for Rhinebeck Bank, operating in the regional banking sector with a market cap of $134.29 million. As of March 2025, it reported net sales of $17 million and a net profit of $2 million, but has a negative return on equity of -5.92%.

Overview:<BR>Rhinebeck Bancorp, Inc. is a holding company of Rhinebeck Bank, operating in the Regional Banks industry within the micro-cap market segment.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 17 Million (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 2 Million (Quarterly Results - Mar 2025)<BR>Market-cap: USD 134.29 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: NA (Loss Making)<BR>Industry P/E: NA<BR>Dividend Yield: 0.00%<BR>Debt Equity: 0.00<BR>Return on Equity: -5.92%<BR>Price to Book: 1.07<BR><BR>Contact Details:<BR>Address: 2 Jefferson Plz, POUGHKEEPSIE NY: 12601-4059<BR>Tel: 1 845 4548555

Should I buy, sell or hold Rhinebeck Bancorp, Inc.?