Stock fact sheet · data as of
Rhinebeck Bancorp, Inc. (RBKB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is RBKB undervalued?
Rhinebeck Bancorp, Inc. (RBKB) closed at 12.86 on 16 Oct 2026. The GLS average fair value - the simple average of the 8 valuation models that produced a positive number - is 17.14, so the price sits 25% below it. 4 of the 8 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
There is a wide gap between GLS Growth (5.19) and 10 Cap (30.84). 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.
The nightly engine files RBKB under Value: positive earnings at a P/E of 18 or less.
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 | 5.24 | -59% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 16.24 | +26% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 30.32 | +136% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 11.63 | -10% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 5.19 | -60% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 30.84 | +140% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 27.56 | +114% | 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 | 10.11 | -21% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -66.39 | -616% | 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 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. A GLS Moat score of 4.1/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, 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 7.0%.
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 | 7 / 9 | ROIC | 6.0% |
|---|---|---|---|
| GLS Moat | 4.1 / 10 | ROE | 7.3% |
| Debt / equity | 0.22 | ROA | 0.8% |
| Free-cash-flow yield | 7.0% | Payout ratio | 0% |
| Institutions | 4 / 10 | Insiders · Congress | 9 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Rhinebeck Bancorp, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 39k shares a day on a market cap of $201M, with a beta of 0.17 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 23 / 25 | 25% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 6 / 15 | moat 4.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 39k shares/day, $201M cap, beta 0.17 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score 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 |
|---|---|---|---|---|---|
| CSBB CSB Bancorp, Inc. | 75.99 | 90.45 | +16% | 39No options | $200M |
| PSBQ PSB Holdings, Inc. | 49.60 | 49.29 | -1% | 39No options | $199M |
| CZWI Citizens Community Bancorp, Inc. | 21.11 | 30.34 | +30% | 39No options | $204M |
| FCAP First Capital, Inc. | 61.59 | 119.75 | +49% | 39No options | $206M |
| CBFV CB Financial Services, Inc. | 38.18 | 33.49 | -14% | 31No options | $194M |
| CBTN Citizens Bancorp Investment, Inc. | 35.20 | 59.47 | +41% | 38No options | $208M |
| HONT Honat Bancorp, Inc. | 146.40 | 211.38 | +31% | 39No options | $209M |
| BMBN Benchmark Bankshares, Inc. | 43.33 | 124.21 | +65% | 39No options | $193M |
| LARK Landmark Bancorp, Inc. | 31.55 | 42.44 | +26% | 39No options | $192M |
| KISB Kish Bancorp, Inc. | 69.50 | 113.52 | +39% | 39No options | $211M |
| TYFG Tri-County Financial Group, Inc. | 80.00 | 93.07 | +14% | 39No options | $191M |
| SBKO Summit Bank Group, Inc. | 24.50 | 50.31 | +51% | 39No options | $191M |
⚖ 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?
By the GLS models, moderately: at 12.86 the stock trades 25% below the average fair value of 17.14 (data as of 16 Oct 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; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for RBKB?
17.14 per share as of 16 Oct 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 16 Oct 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 is capped at 39.