Rhinebeck Bancorp, Inc. RBKB NASDAQ

Rhinebeck Bancorp, Inc. (RBKB) reported exceptional year-over-year revenue growth of +39.8% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed exceptional earnings expansion of +216.5% YoY, reaching $2M in the latest quarter. The net profit margin is 12%, which is moderate. The company has maintained profitability in all 4 quarters. The gross margin is 68.2% (high), up 31.5pp vs the prior year. With a market cap data available, MOAT composite score of 50/100 (moderate competitive position).

Criteria proven by this page:

• GROWTH (48/100, Pass) — proving strong growth momentum
• PAST (75/100, Pass) — proving consistent earnings. Looking at the full 13-year annual 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 (50/100, Partial) — some competitive advantages are present but not dominant

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