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Rhinebeck Bancorp, Inc. (RBKB)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US7620931029
CUSIP
762093102
IPO Date
Jan 17, 2019

Highlights

Market Cap
$168.99M
Enterprise Value
$152.07M
EPS (TTM)
$0.92
PE Ratio
16.82
PEG Ratio
0.46
Total Revenue (TTM)
$74.17M
Gross Profit (TTM)
$38.70M
EBITDA (TTM)
$10.64M
Year Range
$9.31 - $16.50
ROA (TTM)
0.77%
ROE (TTM)
7.34%

Share Price Chart


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Rhinebeck Bancorp, Inc.

Often compared with RBKB:
RBKB vs. SPY

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Rhinebeck Bancorp, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

Rhinebeck Bancorp, Inc. (RBKB) has returned 28.29% so far this year and 56.71% over the past 12 months.


Rhinebeck Bancorp, Inc.

1D
0.78%
1M
-3.63%
YTD
28.29%
6M
35.74%
1Y
56.71%
3Y*
26.32%
5Y*
7.86%
10Y*

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Jan 17, 2019, RBKB's average daily return is +0.04%, while the average monthly return is +0.73%. At this rate, your investment would double in approximately 7.9 years.

Historically, 48% of months were positive and 52% were negative. The best month was Feb 2026 with a return of +37.5%, while the worst month was Mar 2020 at -37.6%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 5 months.

On a daily basis, RBKB closed higher 41% of trading days. The best single day was Feb 11, 2026 with a return of +23.8%, while the worst single day was Mar 12, 2020 at -17.1%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026-3.16%37.46%-3.63%28.29%
20253.62%2.30%-4.00%10.77%6.24%1.30%8.18%5.36%-15.03%-12.06%9.01%10.38%24.30%
20249.57%-3.97%-0.24%-8.05%2.32%-1.13%8.27%-2.35%11.31%-0.97%8.84%-3.01%20.12%
20233.40%0.74%-19.39%-2.62%-6.97%-2.89%4.01%0.00%-3.26%-6.52%-0.47%27.78%-11.64%
20221.78%-1.94%-4.51%-0.69%-3.37%-5.13%0.54%0.86%3.94%4.10%-6.90%-3.60%-14.54%
20215.56%8.03%6.15%0.97%1.82%2.91%-1.53%-0.12%1.21%-0.96%-0.69%-0.56%24.68%

Benchmark Metrics

Rhinebeck Bancorp, Inc. has an annualized alpha of 6.12%, beta of 0.21, and R² of 0.02 versus S&P 500 Index. Calculated based on daily prices since January 18, 2019.

  • This stock participated in 36.05% of S&P 500 Index downside but only 25.69% of its upside — more exposed to losses than it benefited from rallies.
  • Beta of 0.21 may look defensive, but with R² of 0.02 this stock is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
  • R² of 0.02 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
6.12%
Beta
0.21
0.02
Upside Capture
25.69%
Downside Capture
36.05%

Return for Risk

Risk / Return Rank

RBKB ranks 80 for risk / return — in the top 80% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.


RBKB Risk / Return Rank: 8080
Overall Rank
RBKB Sharpe Ratio Rank: 8282
Sharpe Ratio Rank
RBKB Sortino Ratio Rank: 8787
Sortino Ratio Rank
RBKB Omega Ratio Rank: 8383
Omega Ratio Rank
RBKB Calmar Ratio Rank: 7575
Calmar Ratio Rank
RBKB Martin Ratio Rank: 7575
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Rhinebeck Bancorp, Inc. (RBKB) and compare them to a chosen benchmark (S&P 500 Index).


RBKBBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

1.42

0.90

+0.53

Sortino ratio

Return per unit of downside risk

2.62

1.39

+1.24

Omega ratio

Gain probability vs. loss probability

1.31

1.21

+0.10

Calmar ratio

Return relative to maximum drawdown

1.85

1.40

+0.45

Martin ratio

Return relative to average drawdown

4.56

6.61

-2.05

Explore RBKB risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History


Rhinebeck Bancorp, Inc. doesn't pay dividends

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the Rhinebeck Bancorp, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Rhinebeck Bancorp, Inc. was 50.37%, occurring on Mar 25, 2020. Recovery took 1311 trading sessions.

The current Rhinebeck Bancorp, Inc. drawdown is 6.20%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-50.37%Mar 19, 2019258Mar 25, 20201311Jun 12, 20251569
-30.04%Aug 25, 202546Oct 28, 202572Feb 11, 2026118
-7.97%Mar 5, 202610Mar 18, 2026
-7.09%Jun 16, 20254Jun 20, 202518Jul 17, 202522
-5.57%Mar 15, 20191Mar 15, 20191Mar 18, 20192

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of Rhinebeck Bancorp, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Rhinebeck Bancorp, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for RBKB, comparing it with other companies in the Banks - Regional industry. Currently, RBKB has a P/E ratio of 16.8. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for RBKB compared to other companies in the Banks - Regional industry. RBKB currently has a PEG ratio of 0.5. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for RBKB relative to other companies in the Banks - Regional industry. Currently, RBKB has a P/S ratio of 2.3. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for RBKB in comparison with other companies in the Banks - Regional industry. Currently, RBKB has a P/B value of 1.2. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items