Stock fact sheet · data as of
Rhinebeck Bancorp, Inc. (RBKB): fair value, margin of safety and Wheel Score
Ticker symbol RBKB · Financial Services · Banks - Regional · United States · Blend
Is RBKB undervalued?
Rhinebeck Bancorp, Inc. (RBKB) closed at 13.03 on 5 Nov 2026, close to the GLS average fair value of 12.40 (5.1% above fair value). 4 of the 8 models that produced a number sit above the price, 4 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
There is a wide gap between GLS Growth (3.91) and Graham Growth (22.86). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for RBKB, so the nightly engine files it under Blend (value score 53, growth score 62, out of 100).
Nine valuation models for RBKB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 5.43 | -58% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 15.06 | +16% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 22.86 | +75% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 8.77 | -33% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 3.91 | -70% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 19.23 | +48% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 16.29 | +25% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 7.63 | -41% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -66.39 | -609% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Rhinebeck Bancorp, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 2.7/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 6.0%, ROE 7.3%, ROA 0.8% - with debt at 0.22 times equity and a free-cash-flow yield of 5.7%.
Rhinebeck Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 4/10, insider activity 9/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 6.0% |
|---|---|---|---|
| GLS Moat | 2.7 / 10 | ROE | 7.3% |
| Debt / equity | 0.22 | ROA | 0.8% |
| Free-cash-flow yield | 5.7% | Payout ratio | 0% |
| Institutions | 4 / 10 | Insiders · Congress | 9 · 5 / 10 |
Wheel Score 17: No options
No options are listed on Rhinebeck Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 17, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 123k shares a day on a market cap of $204M, with a beta of 0.18 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 5% above our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $204M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 5% above fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 2.7/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.18, $204M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for RBKB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Rhinebeck Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| MRBK Meridian Corporation | 17.12 | 38.18 | +55% | 30No options | $204M |
| TYFG Tri-County Financial Group, Inc. | 84.00 | 91.66 | +8% | 25No options | $205M |
| SBKO Summit Bank Group, Inc. | 25.75 | 51.16 | +50% | 34No options | $201M |
| ECBK ECB Bancorp, Inc. | 22.97 | 57.81 | +60% | 35No options | $201M |
| CSBB CSB Bancorp, Inc. | 76.36 | 81.05 | +6% | 25No options | $201M |
| PSBQ PSB Holdings, Inc. | 52.00 | 50.10 | -4% | 21No options | $209M |
| CBFV CB Financial Services, Inc. | 41.20 | 40.65 | -1% | 18No options | $209M |
| LARK Landmark Bancorp, Inc. | 32.39 | 46.50 | +30% | 34No options | $198M |
| SOME Somerset Trust Holding Company | 84.28 | 140.29 | +40% | 33No options | $213M |
| INBC InBankshares, Corp | 16.30 | 14.08 | -16% | 18No options | $195M |
| CBTN Citizens Bancorp Investment, Inc. | 36.00 | 60.37 | +40% | 34No options | $213M |
| KISB Kish Bancorp, Inc. | 70.75 | 116.84 | +39% | 33No options | $214M |
⚖ Compare RBKB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about RBKB
Is RBKB undervalued right now?
Not meaningfully: at 13.03 the stock trades within a few percent of the GLS average fair value of 12.40 (5.1% above fair value, data as of 5 Nov 2026).
What is the Wheel Score of RBKB and what does it mean?
RBKB has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for RBKB?
12.40 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Rhinebeck Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for RBKB in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does RBKB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on RBKB, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.