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Rhinebeck Bancorp, Inc. RBKB NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score
63/100
1/6 Pass
SharesGrow Intrinsic Value
$11.88
-24%

Rhinebeck Bancorp, Inc. (RBKB) reported total assets of $1.3B and total liabilities of $1.16B for fiscal year 2025, resulting in total equity of $136.85M.

The company held $179.12M in cash and short-term investments. Total debt stood at $30.31M, with net debt of $13.39M. The Debt-to-Equity (D/E) ratio was 0.22 (conservative).

Current ratio is 493.23, indicating strong short-term liquidity. Interest coverage is 0.6x (weak).

Criteria supported by this page:

  • HEALTH (67/100, Partial) — some metrics are adequate but not all reach ideal thresholds
  • MOAT (35/100) — Total assets $1.3B and equity $136.85M support the company's competitive scale
  • VALUE (96/100) — Debt-to-Equity 0.22 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 61/100 with 1/7 criteria passed.

SharesGrow 7-Criteria Score
63/100
SG Score
View full scorecard →
VALUE
96/100
Price-to-Earnings & upside
→ Valuation
FUTURE
N/A
No coverage
~
PAST
75/100
→ Income
~
HEALTH
67/100
Debt-to-Equity & liquidity
Proven by this page
MOAT
35/100
→ Income
~
GROWTH
48/100
→ Income
~
INCOME
55/100
→ Income
Rhinebeck Bancorp, Inc. Balance Sheet History
Metric FY2025 FY2024 FY2023 FY2022
Total Assets $1.3B$1.26B$1.31B$1.34B
Total Liabilities $1.16B$1.13B$1.2B$1.23B
Total Debt $30.31M$74.93M$133.22M$62.88M
Cash & Investments $179.12M$147.24M$159.05M$240.47M
Total Stockholders Equity $136.85M$121.83M$113.69M$108.13M
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