RBKB vs. SPY

Last updated Aug 1, 2026

RBKB (Rhinebeck Bancorp, Inc.) is a stock, while SPY (State Street SPDR S&P 500 ETF) is S&P 500 fund tracking the S&P 500 Index. Their -0.19 correlation means they have often moved in opposite directions in the past.

Performance

RBKB vs. SPY - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Rhinebeck Bancorp, Inc. (RBKB) and State Street SPDR S&P 500 ETF (SPY). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

RBKB

• 1D: -3.85%
• 1M: —
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: —

SPY

• 1D: 0.72%
• 1M: 0.30%
• 6M: 8.53%
• YTD: 10.13%
• 1Y: 21.49%
• 3Y*: 19.32%
• 5Y*: 12.76%
• 10Y*: 15.07%
• ALL TIME*: 10.79%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
RBKB Rhinebeck Bancorp, Inc.	$4.76M	$4.76M	$4.76M
SPY State Street SPDR S&P 500 ETF	$37.27B	$35.99B	$39.23B

RBKB vs. SPY - Yearly Performance Comparison

	2026 (YTD)
RBKB Rhinebeck Bancorp, Inc.	9.09%
SPY State Street SPDR S&P 500 ETF	-0.17%

Correlation

The correlation between RBKB and SPY is -0.19, meaning they have often moved in opposite directions in the past. This relationship can weaken or reverse as market conditions change.

	Correlation
Correlation (All Time) Calculated using the full available price history since Jul 22, 2026	-0.19

Return for Risk

RBKB vs. SPY — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

RBKB

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

SPY

SPY Risk / Return Rank: 67
SPY Sharpe Ratio Rank: 67
SPY Sortino Ratio Rank: 64
SPY Omega Ratio Rank: 65
SPY Calmar Ratio Rank: 64
SPY Martin Ratio Rank: 76

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

RBKB vs. SPY - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Rhinebeck Bancorp, Inc. (RBKB) and State Street SPDR S&P 500 ETF (SPY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	RBKB	SPY	Difference
Sharpe ratio: Return per unit of total volatility	—	1.52	—
Sortino ratio: Return per unit of downside risk	—	2.11	—
Omega ratio: Gain probability vs. loss probability	—	1.27	—
Calmar ratio: Return relative to maximum drawdown	—	2.20	—
Martin ratio: Return relative to average drawdown	—	9.40	—

Drawdowns

RBKB vs. SPY - Drawdown Comparison

The maximum RBKB drawdown since its inception was -3.85%, smaller than the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for RBKB and SPY.

Drawdown Indicators

	RBKB	SPY	Difference
Max Drawdown Largest peak-to-trough decline	-3.85%	-55.19%	+51.34%
Max Drawdown (1Y) Largest decline over 1 year	—	-8.88%	—
Max Drawdown (3Y) Largest decline over 3 years	—	-18.76%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-24.50%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-33.72%	—
Current Drawdown Current decline from peak	-3.85%	-1.40%	-2.45%
Average Drawdown Average peak-to-trough decline	-0.74%	-9.01%	+8.27%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	2.08%	—

Volatility

Volatility by Period

	RBKB	SPY	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	3.58%	—
Volatility (6M) Calculated over the trailing 6-month period	—	10.14%	—
Volatility (1Y) Calculated over the trailing 1-year period	61.37%	12.89%	+48.48%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	61.37%	17.18%	+44.19%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	61.37%	17.95%	+43.42%

Dividends

RBKB vs. SPY - Dividend Comparison

RBKB has not paid dividends to shareholders, while SPY's dividend yield for the trailing twelve months is around 1.01%.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
RBKB Rhinebeck Bancorp, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SPY State Street SPDR S&P 500 ETF	1.01%	1.07%	1.21%	1.40%	1.65%	1.20%	1.52%	1.75%	2.04%	1.80%	2.03%	2.06%

Frequently Asked Questions

Can I hold both RBKB and SPY in my portfolio?

RBKB and SPY have a correlation of -0.19, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.