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1. Company Snapshot

1.a. Company Description

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.The company offers deposits; automobile loans; commercial real estate loans, including multi-family real estate loans, commercial construction, and land development loans; commercial business loans; and one-to four-family residential real estate loans.


It also provides brokerage and financial services; and life insurance and investment products to individuals and businesses.As of December 31, 2021, the company operated through 15 branches and 2 representative offices in Dutchess, Ulster, Orange, and Albany counties.It also operates ATM located in Tivoli, New York.


The company was founded in 1860 and is based in Poughkeepsie, New York.Rhinebeck Bancorp, Inc.operates as a subsidiary of Rhinebeck Bancorp, MHC.

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1.b. Last Insights on RBKB

Rhinebeck Bancorp, Inc.'s recent performance was impacted by leadership changes, with Matthew J. Smith appointed as President and Chief Executive Officer, effective October 20, 2025. This transition may lead to short-term uncertainty. Additionally, the company's most recent earnings release showed challenges. According to recent news, no significant acquisitions or new product launches were announced. The appointment of a new CEO may indicate a shift in strategic direction, potentially affecting sales and business conditions.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended September 30, 2025

Oct -28

Source: accessnewswire.com

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Rhinebeck Bancorp Appoints Matthew J. Smith as President and Chief Executive Officer

Sep -16

Source: accessnewswire.com

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Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2025

Jul -24

Source: accessnewswire.com

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Rhinebeck Bank Announces Retirement of Frederick Battenfeld from Board of Directors

Jun -10

Source: accessnewswire.com

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Rhinebeck Bancorp A Bank Target?

Apr -30

Source: seekingalpha.com

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Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2025

Apr -24

Source: accessnewswire.com

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Rhinebeck Bank President and CEO Michael J. Quinn to Retire After 40 Years of Service; Board Initiates Leadership Transition

Mar -21

Source: accessnewswire.com

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Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2024

Jan -30

Source: accessnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

Rhinebeck Bancorp's growth is driven by increasing demand for commercial and consumer lending, deposit services, and investment products. The company's strategic expansion into new markets and digital transformation initiatives are expected to boost revenue.

7. Detailed Products

Commercial Loans

Rhinebeck Bancorp, Inc. offers a range of commercial loans to businesses, including term loans, lines of credit, and construction loans, to support their growth and expansion plans.

Residential Mortgages

The company offers a variety of residential mortgage products, including fixed-rate and adjustable-rate mortgages, to help individuals and families purchase or refinance their homes.

Consumer Loans

Rhinebeck Bancorp, Inc. provides consumer loans for various personal expenses, such as auto loans, personal loans, and home equity loans, to help individuals achieve their financial goals.

Deposit Accounts

The company offers a range of deposit accounts, including checking and savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs), to help individuals and businesses manage their finances.

Treasury Management Services

Rhinebeck Bancorp, Inc. offers treasury management services, including cash management, wire transfers, and account reconciliation, to help businesses manage their cash flow and optimize their financial performance.

Wealth Management Services

The company offers wealth management services, including investment management, trust services, and financial planning, to help individuals and families achieve their long-term financial goals.

8. Rhinebeck Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Rhinebeck Bancorp, Inc. operates in a highly competitive industry, with many substitutes available to customers. However, the company's strong brand recognition and customer loyalty mitigate the threat of substitutes to some extent.

Bargaining Power Of Customers

Rhinebeck Bancorp, Inc.'s customers have some bargaining power due to the availability of alternative banking services. However, the company's strong relationships with its customers and its ability to offer personalized services reduce the bargaining power of customers.

Bargaining Power Of Suppliers

Rhinebeck Bancorp, Inc. has a diverse supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position also gives it negotiating power in its dealings with suppliers.

Threat Of New Entrants

The banking industry has high barriers to entry, including regulatory hurdles and capital requirements. This makes it difficult for new entrants to enter the market, reducing the threat of new entrants to Rhinebeck Bancorp, Inc.

Intensity Of Rivalry

Rhinebeck Bancorp, Inc. operates in a highly competitive industry, with many established players competing for market share. The company's strong brand recognition and customer loyalty are key to its success in this competitive environment.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 54.10%
Debt Cost 7.66%
Equity Weight 45.90%
Equity Cost 7.66%
WACC 7.66%
Leverage 117.85%

11. Quality Control: Rhinebeck Bancorp, Inc. passed 0 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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CapFed

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Value: 5.2

Growth: 0.8

Quality: 5.0

Yield: 9.0

Momentum: 6.5

Volatility: 7.7

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Rhinebeck Bancorp

A-Score: 4.7/10

Value: 7.5

Growth: 1.7

Quality: 3.5

Yield: 0.0

Momentum: 8.5

Volatility: 7.0

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Growth: 4.7

Quality: 6.1

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Broadway Financial

A-Score: 4.5/10

Value: 5.2

Growth: 5.3

Quality: 4.7

Yield: 0.0

Momentum: 7.5

Volatility: 4.3

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Bogota Financial

A-Score: 4.2/10

Value: 4.4

Growth: 2.1

Quality: 2.6

Yield: 0.0

Momentum: 8.0

Volatility: 8.0

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Blue Ridge Bankshares

A-Score: 4.1/10

Value: 2.6

Growth: 1.4

Quality: 4.2

Yield: 2.0

Momentum: 9.0

Volatility: 5.3

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

11.66$

Current Price

11.66$

Potential

-0.00%

Expected Cash-Flows