Rhinebeck Bancorp, Inc. RBKB NASDAQ

Rhinebeck Bancorp, Inc. (RBKB) has shown strong revenue growth over the past 3 years, expanding from $55M to $76M (average +14.4%/yr). Net income reached $10M, reflecting earnings decline at -38.9%/yr on average. The net profit margin is 13.2%, which is moderate. the company was profitable in 3 out of the last 4 years tracked. The gross margin is 68.2% (high), with a -16.8pp trend over the period. With a market cap data available and MOAT composite score of 35/100, the company has a low competitive position.

Criteria proven by this page:

• GROWTH (48/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (75/100, Partial) — profitability has been inconsistent. Looking at the full 13-year history, the company was profitable in 12 of 13 years — an excellent long-term track record
• INCOME (55/100, Partial) — the company is profitable but margin is below 15%
• MOAT (35/100, Fail) — limited competitive moat based on margins and scale

Overall SharesGrow Score: 63/100 with 1/6 criteria passed.