Rhinebeck Bancorp Financials

RBKB Stock  USD 9.83  0.08  0.82%   
Based on the analysis of Rhinebeck Bancorp's profitability, liquidity, and operating efficiency, Rhinebeck Bancorp is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At present, Rhinebeck Bancorp's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 985.3 M, whereas Total Assets are forecasted to decline to about 1 B. Key indicators impacting Rhinebeck Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.0880.1055
Fairly Down
Slightly volatile
Return On Assets0.00340.0033
Fairly Up
Slightly volatile
Return On Equity0.03940.0387
Fairly Up
Slightly volatile
Debt Equity Ratio0.310.4681
Way Down
Slightly volatile
Operating Income9.6 M5.9 M
Way Up
Slightly volatile
Current Ratio1.141.2
Notably Down
Very volatile
The essential information of the day-to-day investment outlook for Rhinebeck Bancorp includes many different criteria found on its balance sheet. An individual investor should monitor Rhinebeck Bancorp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Rhinebeck Bancorp.

Net Income

4.81 Million

  
Understanding current and past Rhinebeck Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Rhinebeck Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Rhinebeck Bancorp's assets may result in an increase in income on the income statement.
Please note, the presentation of Rhinebeck Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Rhinebeck Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Rhinebeck Bancorp's management manipulating its earnings.

Rhinebeck Bancorp Stock Summary

Rhinebeck Bancorp competes with Home Federal, Community West, Magyar Bancorp, First Financial, and First Community. Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York. Rhinebeck Bancorp, Inc. operates as a subsidiary of Rhinebeck Bancorp, MHC. Rhinebeck Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 190 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS7620931029
CUSIP762093102
LocationNew York; U.S.A
Business Address2 Jefferson Plaza,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.rhinebeckbank.com
Phone845 454 8555
CurrencyUSD - US Dollar

Rhinebeck Bancorp Key Financial Ratios

Rhinebeck Bancorp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets973.9M1.1B1.3B1.3B1.3B1.0B
Net Debt59.5M(37.7M)(48.9M)31.5M118.6M124.5M
Retained Earnings72.2M78.1M89.6M96.6M100.4M78.5M
Cash12.0M93.5M72.1M31.4M14.2M13.5M
Total Liab71.5M55.8M23.2M1.2B1.2B653.7M
Total Current Assets129.7M200.2M355.7M1.3B22.1M21.0M
Intangible Assets241K199K433K334K246K477.3K
Other Liab11.7M13.6M9.1M14.4M16.5M21.1M
Net Tangible Assets108.2M114.9M123.3M105.6M121.4M86.0M
Accounts Payable773.3M929.4M1.1B25.3M29.1M27.6M
Other Assets709.4M805.2M623.3M50.9M45.8M43.5M
Long Term Debt71.5M55.8M23.2M62.9M133.2M139.9M
Inventory(16.3M)(97.4M)(75.5M)(999.3M)(899.4M)(854.4M)
Other Current Assets16.3M97.4M75.5M994.4M26.9M25.6M
Other Current Liab433.6M571.3M885.4M888.3M857.6M635.3M
Short Term Debt36.9M33.3M17.6M52.0M80.8M84.8M
Net Receivables2.9M3.8M3.4M998.6M4.6M4.4M
Capital Surpluse45.9M46.0M46.6M47.1M54.1M29.2M
Net Invested Capital181.3M172.3M149.2M171.0M246.9M172.4M

Rhinebeck Bancorp Key Income Statement Accounts

201920202021202220232024 (projected)
Total Revenue37.9M44.7M46.8M47.8M41.7M39.9M
Gross Profit37.9M44.7M46.8M47.8M41.7M39.9M
Operating Income7.5M7.5M15.0M15.7M5.9M9.6M
Ebit7.5M7.5M15.0M8.9M5.6M7.8M
Ebitda7.5M8.9M16.6M10.6M7.1M7.0M
Income Before Tax7.5M7.5M15.0M8.9M5.6M6.5M
Net Income6.0M5.9M11.6M7.0M4.4M4.8M
Income Tax Expense1.5M1.6M3.4M1.9M1.2M1.7M
Interest Expense8.7M8.0M4.3M6.8M22.7M23.8M
Tax Provision1.5M1.6M3.4M1.9M1.3M1.6M
Net Interest Income32.2M36.4M39.4M41.8M38.6M36.3M
Interest Income41.0M44.4M43.7M48.6M58.4M44.4M

Rhinebeck Bancorp Key Cash Accounts

201920202021202220232024 (projected)
Other Non Cash Items(530K)7.2M(4.6M)5.6M765K625.8K
Capital Expenditures2.6M1.9M1.8M1.1M578K549.1K
Net Income6.0M5.9M11.6M7.0M4.4M4.8M
Investments(126.6M)(74.1M)(157.2M)(122.5M)(26.8M)(28.1M)
Change In Cash(38.6M)81.5M(21.4M)(40.7M)(9.3M)(8.8M)
Net Borrowings29.7M(15.6M)(32.6M)39.7M35.7M37.5M
Depreciation1.3M1.4M1.7M1.7M1.5M1.5M
Change To Netincome(1.1M)6.0M(3.5M)5.4M6.2M6.5M
End Period Cash Flow12.0M93.5M72.1M31.4M22.1M40.8M
Free Cash Flow6.4M13.0M5.9M13.7M6.5M8.4M
Change Receivables(380K)(916K)453K(889K)(800.1K)(760.1K)

Rhinebeck Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Rhinebeck Bancorp's current stock value. Our valuation model uses many indicators to compare Rhinebeck Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Rhinebeck Bancorp competition to find correlations between indicators driving Rhinebeck Bancorp's intrinsic value. More Info.
Rhinebeck Bancorp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At present, Rhinebeck Bancorp's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Rhinebeck Bancorp's earnings, one of the primary drivers of an investment's value.

Rhinebeck Bancorp Systematic Risk

Rhinebeck Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Rhinebeck Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Rhinebeck Bancorp correlated with the market. If Beta is less than 0 Rhinebeck Bancorp generally moves in the opposite direction as compared to the market. If Rhinebeck Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Rhinebeck Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Rhinebeck Bancorp is generally in the same direction as the market. If Beta > 1 Rhinebeck Bancorp moves generally in the same direction as, but more than the movement of the benchmark.

About Rhinebeck Bancorp Financials

What exactly are Rhinebeck Bancorp Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Rhinebeck Bancorp's income statement, its balance sheet, and the statement of cash flows. Potential Rhinebeck Bancorp investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Rhinebeck Bancorp investors may use each financial statement separately, they are all related. The changes in Rhinebeck Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Rhinebeck Bancorp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
Today, most investors in Rhinebeck Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Rhinebeck Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Rhinebeck Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.56)

At present, Rhinebeck Bancorp's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Rhinebeck Bancorp November 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Rhinebeck Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Rhinebeck Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Rhinebeck Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Rhinebeck Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Rhinebeck Bancorp's daily price indicators and compare them against related drivers.

Complementary Tools for Rhinebeck Stock analysis

When running Rhinebeck Bancorp's price analysis, check to measure Rhinebeck Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Rhinebeck Bancorp is operating at the current time. Most of Rhinebeck Bancorp's value examination focuses on studying past and present price action to predict the probability of Rhinebeck Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Rhinebeck Bancorp's price. Additionally, you may evaluate how the addition of Rhinebeck Bancorp to your portfolios can decrease your overall portfolio volatility.
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