Rhinebeck Bancorp, Inc. (RBKB) Financial Ratios
13 years of historical data (2013–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
14.70
-3% vs avg
5yr avg: 15.20
30Y Low6.1·High29.0
P/FCF
↓
17.09
↑+29% vs avg
5yr avg: 13.27
30Y Low7.1·High19.9
P/B Ratio
↑
1.34
↑+51% vs avg
5yr avg: 0.89
30Y Low0.8·High1.1
ROE
↓
7.8%
↓+95% vs avg
5yr avg: 4.0%
30Y Low-7%·High10%
Debt/EBITDA
↑
2.23
↓-68% vs avg
5yr avg: 7.08
30Y Low1.4·High18.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
RBKB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Rhinebeck Bancorp, Inc. trades at 18.2x earnings, 26% above its 5-year average of 14.4x, sitting at the 67th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a premium of 31%. On a free-cash-flow basis, the stock trades at 17.1x P/FCF, 29% above the 5-year average of 13.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $186M | $132M | $104M | $87M | $100M | $117M | $92M | $121M | — | — | — |
| Enterprise Value | $200M | $145M | $160M | $206M | $146M | $121M | $54M | $181M | — | — | — |
| P/E Ratio → | 18.16 | 13.07 | — | 20.13 | 14.23 | 10.06 | 15.55 | 20.20 | — | — | — |
| P/S Ratio | 2.45 | 1.74 | 1.92 | 1.32 | 1.84 | 2.28 | 1.74 | 2.60 | — | — | — |
| P/B Ratio | 1.34 | 0.96 | 0.85 | 0.77 | 0.93 | 0.93 | 0.79 | 1.10 | — | — | — |
| P/FCF | 17.09 | 12.09 | 13.55 | 13.51 | 7.34 | 19.87 | 7.08 | 12.72 | — | — | — |
| P/OCF | 15.85 | 11.22 | 12.28 | 12.40 | 6.78 | 15.26 | 6.19 | 10.00 | — | — | — |
P/E links to full P/E history page with 30-year chart
RBKB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Rhinebeck Bancorp, Inc.'s enterprise value stands at 14.7x EBITDA, roughly in line with its 5-year average of 15.2x. The Financial Services sector median is 11.5x, placing the stock at a 27% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.91 | 2.94 | 3.10 | 2.68 | 2.36 | 1.03 | 3.87 | — | — | — |
| EV / EBITDA | 14.70 | 10.69 | — | 28.99 | 13.87 | 7.24 | 6.09 | 20.46 | — | — | — |
| EV / EBIT | 15.73 | 11.44 | — | 36.69 | 16.45 | 8.04 | 7.26 | 24.10 | — | — | — |
| EV / FCF | — | 13.32 | 20.81 | 31.84 | 10.71 | 20.50 | 4.17 | 18.97 | — | — | — |
RBKB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Rhinebeck Bancorp, Inc. earns an operating margin of 16.7%, below the Financial Services sector average of 20.2%. Operating margins have expanded from 8.5% to 16.7% over the past 3 years, signaling improving operational efficiency. ROE of 7.8% is modest, trailing the sector median of 9.0%. ROIC of 5.2% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.2% | 68.2% | 47.8% | 63.3% | 85.0% | 98.8% | 71.2% | 76.0% | 81.1% | 87.7% | 86.8% |
| Operating Margin | 16.7% | 16.7% | -20.2% | 8.5% | 16.3% | 29.3% | 14.2% | 16.1% | 13.7% | 19.3% | 12.5% |
| Net Profit Margin | 13.2% | 13.2% | -15.9% | 6.6% | 12.8% | 22.6% | 11.2% | 12.8% | 11.1% | 8.8% | 8.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.8% | 7.8% | -7.3% | 4.0% | 6.0% | 9.5% | 5.2% | 7.1% | 7.6% | 5.6% | 5.2% |
| ROA | 0.8% | 0.8% | -0.7% | 0.3% | 0.5% | 1.0% | 0.6% | 0.6% | 0.5% | 0.4% | 0.4% |
| ROIC | 5.2% | 5.2% | -3.7% | 2.0% | 4.2% | 7.0% | 3.2% | 4.0% | 4.6% | 7.0% | 4.9% |
| ROCE | 1.7% | 1.7% | -4.4% | 2.4% | 5.2% | 8.8% | 4.0% | 4.0% | 4.1% | 8.4% | 1.1% |
RBKB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Rhinebeck Bancorp, Inc. carries a Debt/EBITDA ratio of 2.2x, which is manageable (48% below the sector average of 4.3x). Net debt stands at $13M ($30M total debt minus $17M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | 0.22 | 0.62 | 1.17 | 0.58 | 0.18 | 0.48 | 0.65 | 0.70 | 0.36 | 0.28 |
| Debt / EBITDA | 2.23 | 2.23 | — | 18.75 | 5.96 | 1.39 | 6.28 | 8.10 | 6.36 | 2.57 | 2.75 |
| Net Debt / Equity | — | 0.10 | 0.46 | 1.04 | 0.43 | 0.03 | -0.32 | 0.54 | -0.15 | 0.17 | 0.03 |
| Net Debt / EBITDA | 0.99 | 0.99 | — | 16.69 | 4.37 | 0.23 | -4.23 | 6.74 | -1.35 | 1.23 | 0.32 |
| Debt / FCF | — | 1.23 | 7.26 | 18.33 | 3.37 | 0.64 | -2.90 | 6.25 | -1.18 | 2.05 | 0.44 |
| Interest Coverage | 0.56 | 0.56 | -0.43 | 0.25 | 1.32 | 3.50 | 0.93 | 0.86 | 1.01 | 2.00 | 1.31 |
RBKB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Rhinebeck Bancorp, Inc.'s current ratio of 493.23x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.16x to 493.23x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 493.23 | 493.23 | 0.15 | 0.16 | 0.21 | 0.27 | 0.21 | 0.17 | 0.22 | 0.19 | 0.24 |
| Quick Ratio | 493.23 | 493.23 | 0.15 | 0.16 | 0.21 | 0.27 | 0.21 | 0.17 | 0.22 | 0.19 | 0.24 |
| Cash Ratio | 7.34 | 7.34 | 0.02 | 0.01 | 0.01 | 0.02 | 0.10 | 0.02 | 0.07 | 0.02 | 0.02 |
| Asset Turnover | — | 0.06 | 0.04 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
RBKB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Rhinebeck Bancorp, Inc. returns 0.1% to shareholders annually primarily through share buybacks. The earnings yield of 5.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.5% | 7.7% | — | 5.0% | 7.0% | 9.9% | 6.4% | 5.0% | — | — | — |
| FCF Yield | 5.9% | 8.3% | 7.4% | 7.4% | 13.6% | 5.0% | 14.1% | 7.9% | — | — | — |
| Buyback Yield | 0.1% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.1% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $4M | $4M | $4M |
Peer Comparison
Compare RBKB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 RBKBYou | $186M | 18.2 | 14.7 | 17.1 | 68.2% | 16.7% | 7.8% | 5.2% | 2.2 |
 CZWI | $207M | 14.7 | 15.7 | 19.9 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NECB | $359M | 8.0 | 5.6 | 7.1 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 MNSB | $184M | 14.2 | 11.9 | 17.3 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FXNC | $273M | 15.4 | 7.0 | 13.0 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 CFBK | $201M | 11.6 | 3.0 | 11.1 | 41.8% | 17.1% | 9.6% | 5.5% | 5.7 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 TRST | $979M | 17.0 | 12.5 | 21.4 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 BWFG | $444M | 12.5 | 7.6 | 17.0 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 KRNY | $553M | 20.9 | 45.8 | 25.8 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 13 years · Updated daily
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Compare NowRBKB — Frequently Asked Questions
Quick answers to the most common questions about buying RBKB stock.
What is Rhinebeck Bancorp, Inc.'s P/E ratio?
Rhinebeck Bancorp, Inc.'s current P/E ratio is 18.2x. The historical average is 15.5x. This places it at the 67th percentile of its historical range.
What is Rhinebeck Bancorp, Inc.'s EV/EBITDA?
Rhinebeck Bancorp, Inc.'s current EV/EBITDA is 14.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.6x.
What is Rhinebeck Bancorp, Inc.'s ROE?
Rhinebeck Bancorp, Inc.'s return on equity (ROE) is 7.8%. The historical average is 4.4%.
Is RBKB stock overvalued?
Based on historical data, Rhinebeck Bancorp, Inc. is trading at a P/E of 18.2x. This is at the 67th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Rhinebeck Bancorp, Inc.'s profit margins?
Rhinebeck Bancorp, Inc. has 68.2% gross margin and 16.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Rhinebeck Bancorp, Inc. have?
Rhinebeck Bancorp, Inc.'s Debt/EBITDA ratio is 2.2x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.