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ISIN
US7620931029
CUSIP
762093102
IPO Date
Jan 17, 2019

Highlights

Market Cap
$181.23M
Enterprise Value
$163.63M
EPS (TTM)
$0.91
PE Ratio
18.14
PEG Ratio
0.50
Total Revenue (TTM)
$74.07M
Gross Profit (TTM)
$39.27M
EBITDA (TTM)
$10.31M
Year Range
$9.41 - $17.99
ROA (TTM)
0.78%
ROE (TTM)
7.19%

Share Price Chart


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Rhinebeck Bancorp, Inc.

Often compared with RBKB:
RBKB vs. SPY

Performance

RBKB Performance Chart

Rhinebeck Bancorp, Inc. (RBKB) is up 37.3% since the beginning of the year. At $17 per share, RBKB is trading 8.3% below its 52-week high of $18. Investors who bought $1,000 worth of RBKB shares 5 years ago would now be looking at an investment worth $1,548.


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S&P 500 Index

Returns By Period

Rhinebeck Bancorp, Inc. (RBKB) has returned 37.27% so far this year and 42.24% over the past 12 months.


Rhinebeck Bancorp, Inc.

1D
0.79%
1M
1.23%
YTD
37.27%
6M
51.93%
1Y
42.24%
3Y*
34.25%
5Y*
9.13%
10Y*

Benchmark (S&P 500 Index)

1D
0.13%
1M
5.25%
YTD
11.16%
6M
11.43%
1Y
28.20%
3Y*
21.12%
5Y*
12.66%
10Y*
13.75%
*Multi-year figures are annualized to reflect compound growth (CAGR)

RBKB Monthly Returns History

Based on dividend-adjusted daily data since Jan 17, 2019, RBKB's average daily return is +0.04%, while the average monthly return is +0.79%. At this rate, an investment would double in approximately 7.3 years.

Historically, 49% of months were positive and 51% 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%5.97%-0.37%1.35%37.27%
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 6.53%, 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 26.45% 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
6.53%
Beta
0.21
0.02
Upside Capture
26.45%
Downside Capture
36.05%

Return for Risk

Risk / Return Rank

RBKB ranks 72 for risk / return — better than 72% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


RBKB Risk / Return Rank: 7272
Overall Rank
RBKB Sharpe Ratio Rank: 7373
Sharpe Ratio Rank
RBKB Sortino Ratio Rank: 7777
Sortino Ratio Rank
RBKB Omega Ratio Rank: 7474
Omega Ratio Rank
RBKB Calmar Ratio Rank: 6767
Calmar Ratio Rank
RBKB Martin Ratio Rank: 6868
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 S&P 500 Index.


RBKBBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

1.09

2.39

-1.30

Sortino ratio

Return per unit of downside risk

2.16

3.25

-1.10

Omega ratio

Gain probability vs. loss probability

1.26

1.43

-0.18

Calmar ratio

Return relative to maximum drawdown

1.41

3.11

-1.70

Martin ratio

Return relative to average drawdown

3.46

14.38

-10.92

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.


Related event

Drawdown

Fall

Recovery

Underwater

COVID crash2020
-50.37%Mar 2020
1y 7d5y 2mo
6y 2moMar 2019 - Jun 2025
2025 bear market2025
-30.04%Oct 2025
2mo 4d3mo 16d
5mo 20dAug 2025 - Feb 2026
2026 pullback2026
-7.97%Mar 2026
13d1mo 7d
1mo 20dMar 2026 - Apr 2026
2025 selloff2025
-7.09%Jun 2025
4d27d
1mo 1dJun 2025 - Jul 2025
2026 pullback2026
-6.61%May 2026
29d7d
1mo 6dApr 2026 - Jun 2026

Drawdown Indicators


RBKBBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-50.37%

-56.78%

+6.41%

Max Drawdown (1Y)

Largest decline over 1 year

-30.04%

-9.10%

-20.94%

Max Drawdown (3Y)

Largest decline over 3 years

-30.04%

-18.90%

-11.14%

Max Drawdown (5Y)

Largest decline over 5 years

-46.18%

-25.43%

-20.75%

Max Drawdown (10Y)

Largest decline over 10 years

-33.92%

Current Drawdown

Current decline from peak

0.00%

0.00%

0.00%

Average Drawdown

Average peak-to-trough decline

-21.83%

-10.72%

-11.11%

Ulcer Index

Depth and duration of drawdowns from previous peaks

12.23%

1.97%

+10.26%

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 18.1. 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 2.4. 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 1.3. 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
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