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Model output · Signal date 2026-10-16

Rhinebeck Bancorp, Inc. (RBKB) Stock Forecast Oct. 16, 2026

Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · Nasdaq

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Rating · 90D Neutral Alpha
90-day forecast Sign up free to reveal
30-day forecast Alpha
Rank in coverage Middle 30% of 5171 stocks scored
Rank correlation · 90D 9.0% Spearman, 357 dates
Market Cap $201M small-cap · #14 of 31 peers
Summary

Rhinebeck Bancorp, Inc. (RBKB) stock forecast summary

On Oct. 16, 2026, RBKB is rated Neutral: its 90-day Alpha forecast sits in the middle 30% of the 5171 stocks scored that day.

Rhinebeck Bancorp, Inc. is a small-cap company with a market capitalization of $201M. It ranks number 14 by market capitalization among the 31 Savings Institutions, Not Federally Chartered issuers in our coverage with a current forecast.

For RBKB, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 9.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 10.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.8%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)

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Price

RBKB price chart and AI forecast

RBKB
Cross-section · 2026-10-16

How RBKB ranks among 5171 stocks

90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).

Fundamentals · 2026-06-30

Rhinebeck Bancorp, Inc. (RBKB) fundamentals

Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Savings Institutions, Not Federally Chartered peers listed below that report each metric.

Valuation & Market

MetricRBKBIndustry medianRank
Market Cap $201M $148M 14/31
P/E Ratio 14.12x 20.14x 20/27
P/B Ratio 1.44x 0.95x 4/31
EPS $0.91 – –
Book Value/Share $8.93 – –
Revenue/Share $3.33 – –
FCF/Share $0.81 – –

Profitability & Margins

MetricRBKBIndustry medianRank
ROE 7.1% 5.5% 9/27
ROA 0.7% 0.7% 15/25
Net Margin 18.9% 20.1% 16/27
EBT Margin 24.0% 23.9% 14/28
Tax Rate 21.1% – –

Financial Health

MetricRBKBIndustry medianRank
D/E Ratio 9.53x 6.95x 8/33
Financial Leverage 10.53x 7.60x 8/31

Cash Flow

MetricRBKBIndustry medianRank
Operating Cash Flow $14M $18M 17/28
Free Cash Flow $13M $22M 11/19
Capital Spending -$1M -$2M 9/18
OCF Growth YoY 109.2% 39.6% 7/22
FCF Growth YoY 111.0% 31.5% 5/14
FCF/Sales 24.4% 27.3% 13/19
CapEx/Sales 2.7% 2.8% 10/18

Operational Efficiency

MetricRBKBIndustry medianRank
Asset Turnover 0.04x 0.03x 4/25
Fixed Assets Turnover 3.9x 3.9x 13/25

Income Statement

MetricRBKBIndustry medianRank
Total Revenue $52M $41M 13/27
Net Income $10M $4M 11/27

Dividend & Shareholder Information

MetricRBKBIndustry medianRank
Shares Outstanding 16M – –

Balance Sheet Highlights (USD millions)

Cash & Short-term Investments$25M1.7% of assets
Total Liabilities$1.33B90.5% of assets
Quarterly Financial Reports

RBKB quarterly financials and insider trading

Industry Peers · Savings Institutions, Not Federally Chartered

Rhinebeck Bancorp, Inc. (RBKB) industry peers

Companies classified under the same SEC industry code as Rhinebeck Bancorp, Inc. (Savings Institutions, Not Federally Chartered): 33 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.

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Company 90-Day AI Forecast (Alpha) Market Cap P/E Ratio P/B Ratio
RBKB Rhinebeck Bancorp, Inc. ▶ $201M 14.1x 1.4x
FLG Flagstar Bank, National Association ▶ $4.60B – 0.6x
BBT Beacon Financial Corp ▶ $2.30B 24.1x 1.9x
HFWA Heritage Financial Corp /Wa/ ▶ $1.13B 13.6x 1.0x
NBBK Nb Bancorp, Inc. ▼ $980M 15.1x 1.2x
SMBC Southern Missouri Bancorp, Inc. ▼ $770M 10.9x 2.3x
TCBX Third Coast Bancshares, Inc. ▲ $690M 10.6x 1.0x
GCBC Greene County Bancorp Inc ▼ $587M 14.3x 2.1x
HBCP Home Bancorp, Inc. ▲ $519M 11.0x 1.1x
PBFS Pioneer Bancorp, Inc./Md ▶ $440M 126.7x 1.3x
AVBC Avidia Bancorp, Inc. ▲ $436M 104.0x 1.1x
NECB Northeast Community Bancorp, Inc./Md/ ▲ $381M 8.8x 1.1x
TSBK Timberland Bancorp Inc ▲ $353M 9.4x 1.3x
FBLA Fb Bancorp, Inc. /Md/ ▼ $262M 821.9x 0.9x
ECBK Ecb Bancorp, Inc. /Md/ ▲ $173M 17.1x 1.0x
SRBK Sr Bancorp, Inc. ▲ $148M 35.1x 0.8x
HYNE Hoyne Bancorp, Inc. ▼ $136M 646.7x 0.8x
WSBK Winchester Bancorp, Inc./Md/ ▼ $120M 26.4x 1.0x
BSBK Bogota Financial Corp. ▶ $117M 43.5x 0.8x
CULL Cullman Bancorp, Inc. /Md/ ▼ $96M 34.0x 1.0x
FNWB First Northwest Bancorp ▶ $92M 60.2x 0.6x
FMFG Farmers & Merchants Bancshares, Inc. ▼ $61M 9.3x 0.9x
TCBS Texas Community Bancshares, Inc. ▼ $50M 15.4x 0.9x
MBBC Marathon Bancorp, Inc. /Md/ ▼ $44M 22.3x 0.9x
QNTO Quaint Oak Bancorp, Inc. ▼ $38M 72.5x 0.7x
PFSB Pfs Bancorp, Inc. ▲ $34M 20.1x 0.9x
URSB Ursb Bancorp, Inc. ▼ $30M – 0.8x
GOVB Gouverneur Bancorp, Inc./Md/ ▲ $22M 28.0x 0.7x
MSBB Mercer Bancorp, Inc. ▲ $20M 16.1x 0.9x
CSBA Csb Financial Inc. ▼ $19M – 1.2x
PNSB Psb Financial, Inc. ▼ $19M – 0.6x
FBSI First Bancshares Inc /Mo/ ▼ N/A – –
VWFB Vwf Bancorp, Inc. ▼ N/A – –

Where RBKB sits on the market map

Finance · Savings Institutions, Not Federally Chartered
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News

Rhinebeck Bancorp, Inc. (RBKB) stock news

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FAQ

Rhinebeck Bancorp, Inc. (RBKB) stock forecast FAQ

What is the Rhinebeck Bancorp, Inc. (RBKB) stock forecast?

On Oct. 16, 2026, RBKB is rated Neutral: its 90-day Alpha forecast sits in the middle 30% of the 5171 stocks scored that day.

How accurate are Rhinebeck Bancorp, Inc. stock predictions?

For RBKB, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 9.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 10.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

How often are Rhinebeck Bancorp, Inc. forecasts updated?

Rhinebeck Bancorp, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.

Which companies are Rhinebeck Bancorp, Inc.'s industry peers?

33 issuers in our coverage, RBKB included, share the SEC industry code Savings Institutions, Not Federally Chartered. The largest are: Flagstar Bank, National Association (FLG), Beacon Financial Corp (BBT), Heritage Financial Corp /Wa/ (HFWA), Nb Bancorp, Inc. (NBBK), Southern Missouri Bancorp, Inc. (SMBC), Third Coast Bancshares, Inc. (TCBX).

This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.