Rhinebeck Bancorp Operating Margin
| RBKB Stock | USD 15.47 0.12 0.78% |
As of the 14th of February 2026, Rhinebeck Bancorp holds the Risk Adjusted Performance of 0.1835, semi deviation of 1.03, and Coefficient Of Variation of 459.04. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Rhinebeck Bancorp, as well as the relationship between them.
Rhinebeck Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.7733 | Revenue |
| Last Reported | Projected for Next Year | ||
| Operating Profit Margin | 0.17 | 0.19 |
Rhinebeck | Operating Margin | Build AI portfolio with Rhinebeck Stock |
Analyzing Rhinebeck Bancorp's Operating Margin over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Operating Margin has evolved provides context for assessing Rhinebeck Bancorp's current valuation and future prospects.
Latest Rhinebeck Bancorp's Operating Margin Growth Pattern
Below is the plot of the Operating Profit Margin of Rhinebeck Bancorp over the last few years. It is Rhinebeck Bancorp's Operating Profit Margin historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Rhinebeck Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 0.24 % | 10 Years Trend |
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Operating Profit Margin |
| Timeline |
Rhinebeck Operating Margin Regression Statistics
| Arithmetic Mean | 0.20 | |
| Coefficient Of Variation | 67.43 | |
| Mean Deviation | 0.1 | |
| Median | 0.19 | |
| Standard Deviation | 0.13 | |
| Sample Variance | 0.02 | |
| Range | 0.5505 | |
| R-Value | (0.64) | |
| Mean Square Error | 0.01 | |
| R-Squared | 0.41 | |
| Significance | 0.01 | |
| Slope | (0.02) | |
| Total Sum of Squares | 0.28 |
Rhinebeck Operating Margin History
Rhinebeck Operating Margin Driver Correlations
Understanding the fundamental principles of building solid financial models for Rhinebeck Bancorp is extremely important. It helps to project a fair market value of Rhinebeck Stock properly, considering its historical fundamentals such as Operating Margin. Since Rhinebeck Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Rhinebeck Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Rhinebeck Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Rhinebeck Bancorp. Anticipated expansion of Rhinebeck directly elevates investor willingness to pay premium valuations. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Rhinebeck Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 1.778 | Earnings Share 0.94 | Revenue Per Share | Quarterly Revenue Growth 0.969 | Return On Assets |
Investors evaluate Rhinebeck Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Rhinebeck Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Rhinebeck Bancorp's market price to deviate significantly from intrinsic value.
It's important to distinguish between Rhinebeck Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Rhinebeck Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Rhinebeck Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.
Rhinebeck Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Rhinebeck Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Rhinebeck Bancorp.
| 11/16/2025 |
| 02/14/2026 |
If you would invest 0.00 in Rhinebeck Bancorp on November 16, 2025 and sell it all today you would earn a total of 0.00 from holding Rhinebeck Bancorp or generate 0.0% return on investment in Rhinebeck Bancorp over 90 days. Rhinebeck Bancorp is related to or competes with Riverview Bancorp, Sound Financial, Lake Shore, Magyar Bancorp, SR Bancorp, Provident Financial, and Affinity Bancshares. Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial prod... More
Rhinebeck Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Rhinebeck Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Rhinebeck Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.62 | |||
| Information Ratio | 0.1982 | |||
| Maximum Drawdown | 22.36 | |||
| Value At Risk | (2.18) | |||
| Potential Upside | 4.14 |
Rhinebeck Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Rhinebeck Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Rhinebeck Bancorp's standard deviation. In reality, there are many statistical measures that can use Rhinebeck Bancorp historical prices to predict the future Rhinebeck Bancorp's volatility.| Risk Adjusted Performance | 0.1835 | |||
| Jensen Alpha | 0.7337 | |||
| Total Risk Alpha | 0.5001 | |||
| Sortino Ratio | 0.4344 | |||
| Treynor Ratio | 1.51 |
Rhinebeck Bancorp February 14, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1835 | |||
| Market Risk Adjusted Performance | 1.52 | |||
| Mean Deviation | 1.94 | |||
| Semi Deviation | 1.03 | |||
| Downside Deviation | 1.62 | |||
| Coefficient Of Variation | 459.04 | |||
| Standard Deviation | 3.55 | |||
| Variance | 12.62 | |||
| Information Ratio | 0.1982 | |||
| Jensen Alpha | 0.7337 | |||
| Total Risk Alpha | 0.5001 | |||
| Sortino Ratio | 0.4344 | |||
| Treynor Ratio | 1.51 | |||
| Maximum Drawdown | 22.36 | |||
| Value At Risk | (2.18) | |||
| Potential Upside | 4.14 | |||
| Downside Variance | 2.63 | |||
| Semi Variance | 1.05 | |||
| Expected Short fall | (2.42) | |||
| Skewness | 4.4 | |||
| Kurtosis | 27.26 |
Rhinebeck Bancorp Backtested Returns
Rhinebeck Bancorp appears to be not too volatile, given 3 months investment horizon. Rhinebeck Bancorp maintains Sharpe Ratio (i.e., Efficiency) of 0.22, which implies the firm had a 0.22 % return per unit of risk over the last 3 months. By analyzing Rhinebeck Bancorp's technical indicators, you can evaluate if the expected return of 0.81% is justified by implied risk. Please evaluate Rhinebeck Bancorp's Risk Adjusted Performance of 0.1835, semi deviation of 1.03, and Coefficient Of Variation of 459.04 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Rhinebeck Bancorp holds a performance score of 17. The company holds a Beta of 0.51, which implies possible diversification benefits within a given portfolio. As returns on the market increase, Rhinebeck Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding Rhinebeck Bancorp is expected to be smaller as well. Please check Rhinebeck Bancorp's downside variance, daily balance of power, and the relationship between the maximum drawdown and skewness , to make a quick decision on whether Rhinebeck Bancorp's historical price patterns will revert.
Auto-correlation | 0.34 |
Below average predictability
Rhinebeck Bancorp has below average predictability. Overlapping area represents the amount of predictability between Rhinebeck Bancorp time series from 16th of November 2025 to 31st of December 2025 and 31st of December 2025 to 14th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Rhinebeck Bancorp price movement. The serial correlation of 0.34 indicates that nearly 34.0% of current Rhinebeck Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.34 | |
| Spearman Rank Test | 0.44 | |
| Residual Average | 0.0 | |
| Price Variance | 1.01 |
A good Operating Margin is required for a company to be able to pay for its fixed costs or payout its debt, which implies that the higher the margin, the better. This ratio is most effective in evaluating the earning potential of a company over time when comparing it against a firm's competitors.
| Competition |
Rhinebeck Pretax Profit Margin
Pretax Profit Margin |
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Based on the recorded statements, Rhinebeck Bancorp has an Operating Margin of 0.2391%. This is 98.7% lower than that of the Banks sector and significantly higher than that of the Financials industry. The operating margin for all United States stocks is 104.34% lower than that of the firm.
Rhinebeck Operating Margin Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Rhinebeck Bancorp's direct or indirect competition against its Operating Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Rhinebeck Bancorp could also be used in its relative valuation, which is a method of valuing Rhinebeck Bancorp by comparing valuation metrics of similar companies.Rhinebeck Bancorp is currently under evaluation in operating margin category among its peers.
Rhinebeck Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Rhinebeck Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Rhinebeck Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
Rhinebeck Fundamentals
| Return On Equity | 0.0777 | ||||
| Return On Asset | 0.0079 | ||||
| Profit Margin | 0.19 % | ||||
| Operating Margin | 0.24 % | ||||
| Current Valuation | 94.83 M | ||||
| Shares Outstanding | 11.14 M | ||||
| Shares Owned By Insiders | 59.28 % | ||||
| Shares Owned By Institutions | 20.14 % | ||||
| Number Of Shares Shorted | 78.79 K | ||||
| Price To Earning | 17.64 X | ||||
| Price To Book | 1.25 X | ||||
| Price To Sales | 3.31 X | ||||
| Revenue | 75.84 M | ||||
| Gross Profit | 51.7 M | ||||
| EBITDA | 13.57 M | ||||
| Net Income | 10.04 M | ||||
| Cash And Equivalents | 42.43 M | ||||
| Cash Per Share | 3.91 X | ||||
| Total Debt | 30.31 M | ||||
| Book Value Per Share | 12.62 X | ||||
| Cash Flow From Operations | 8.47 M | ||||
| Short Ratio | 12.29 X | ||||
| Earnings Per Share | 0.94 X | ||||
| Number Of Employees | 157 | ||||
| Beta | 0.19 | ||||
| Market Capitalization | 171.09 M | ||||
| Total Asset | 1.3 B | ||||
| Retained Earnings | 101.8 M | ||||
| Net Asset | 1.3 B |
About Rhinebeck Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Rhinebeck Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Rhinebeck Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Rhinebeck Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether Rhinebeck Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Rhinebeck Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Rhinebeck Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Rhinebeck Bancorp Stock:Check out For information on how to trade Rhinebeck Stock refer to our How to Trade Rhinebeck Stock guide.You can also try the Commodity Channel module to use Commodity Channel Index to analyze current equity momentum.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Rhinebeck Bancorp. Anticipated expansion of Rhinebeck directly elevates investor willingness to pay premium valuations. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Rhinebeck Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 1.778 | Earnings Share 0.94 | Revenue Per Share | Quarterly Revenue Growth 0.969 | Return On Assets |
Investors evaluate Rhinebeck Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Rhinebeck Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Rhinebeck Bancorp's market price to deviate significantly from intrinsic value.
It's important to distinguish between Rhinebeck Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Rhinebeck Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Rhinebeck Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.