ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Rhinebeck Bancorp, Inc. ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 8.98 MM
- ROCE(HY) Highest at 0.78%
- PRE-TAX PROFIT(Q) At USD 2.93 MM has Grown at 187.71%
2
With ROA of 0.65%, it has a fair valuation with a 1.25 Price to Book Value
- Over the past year, while the stock has generated a return of 48.51%, its profits have risen by 216.6% ; the PEG ratio of the company is 0.1
3
High Institutional Holdings at 20.91%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Market Beating performance in long term as well as near term
- Along with generating 48.51% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- 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?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Rhinebeck Bancorp, Inc.
48.51%
2.57
40.28%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.18%
EBIT Growth (5y)
5.78%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
20.91%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.25
EV to EBIT
8.23
EV to EBITDA
7.65
EV to Capital Employed
1.53
EV to Sales
1.41
PEG Ratio
0.08
Dividend Yield
NA
ROCE (Latest)
18.64%
ROE (Latest)
7.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 8.98 MM
ROCE(HY)
Highest at 0.78%
PRE-TAX PROFIT(Q)
At USD 2.93 MM has Grown at 187.71%
NET PROFIT(Q)
At USD 2.34 MM has Grown at 188.02%
-3What is not working for the Company
ROCE(HY)
Lowest at 0.78%
CREDIT DEPOSIT RATIO(HY)
Lowest at 87.64%
Here's what is working for Rhinebeck Bancorp, Inc.
Operating Cash Flow
Highest at USD 8.98 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Pre-Tax Profit
At USD 2.93 MM has Grown at 187.71%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 2.34 MM has Grown at 188.02%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
CASA
Highest at 13.57%
in the last five periodsMOJO 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.
Credit Deposit Ratio
Lowest at 87.64%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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