Rhinebeck Bancorp, Inc. (RBKB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

ECB Bancorp, Inc.

Eagle Bancorp Montana, Inc.

Rhinebeck Bancorp, Inc.

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Investar Holding Corp.

Sound Financial Bancorp, Inc.

First Savings Financial Group, Inc.

Summit State Bank (California)

Citizens Community Bancorp, Inc. (Wisconsin)

BankFinancial Corp.

Why is Rhinebeck Bancorp, Inc. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25

NII(Q) Highest at USD 11.49 MM
NET SALES(Q) Highest at USD 16.75 MM
GROSS NPA (%)(Q) Lowest at 0.3%

High Institutional Holdings at 20.52%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.6% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Rhinebeck Bancorp, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Rhinebeck Bancorp, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Rhinebeck Bancorp, Inc.

19.63%

1.50

28.16%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

8.63%

EBIT Growth (5y)

-206.65%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

20.52%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

1.03

EV to EBIT

-11.90

EV to EBITDA

-13.66

EV to Capital Employed

1.03

EV to Sales

1.99

PEG Ratio

Dividend Yield

ROCE (Latest)

-8.69%

ROE (Latest)

-5.92%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Bullish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

22What is working for the Company

NII(Q)

Highest at USD 11.49 MM

NET SALES(Q)

Highest at USD 16.75 MM

GROSS NPA (%)

OPERATING PROFIT(Q)

Highest at USD 3.49 MM

OPERATING PROFIT MARGIN(Q)

Highest at 20.82 %

PRE-TAX PROFIT(Q)

Highest at USD 3.49 MM

NET PROFIT(Q)

Highest at USD 2.73 MM

EPS(Q)

Highest at USD 0.25

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 6.57 MM

NET PROFIT(9M)

At USD 2.36 MM has Grown at -28.89%

CREDIT DEPOSIT RATIO(HY)

Lowest at 90.5%

Here's what is working for Rhinebeck Bancorp, Inc.

NII

Highest at USD 11.49 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 16.75 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Pre-Tax Profit

At USD 3.49 MM has Grown at 177.49%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 2.73 MM has Grown at 179.59%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Non Performing Loans (%)

Lowest at 0.3%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Operating Profit

Highest at USD 3.49 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 20.82 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 3.49 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 2.73 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.25

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

CASA

Highest at 12.66%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Rhinebeck Bancorp, Inc.

Operating Cash Flow

Lowest at USD 6.57 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Lowest at 90.5%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)