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RBKB

Rhinebeck Bancorp·NASDAQ
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6.36 / 10
Outperform

RBKB's fundamentals are robust, with strong year-over-year earnings growth in both basic and diluted EPS, and an efficient utilization of fixed assets. Key positives include a high fixed assets turnover ratio and favorable net income-to-revenue dynamics. However, sub-par returns on total assets (both regular and annualized) introduce some risk. The stock’s asset-to-market and revenue-to-market ratios place it in mid-to-upper quartiles, historically associated with better performance, reinforcing the fundamentally positive stance despite a few red flags.

Fundamental(6.36)SentimentTechnical

Analysis Checks(7/10)

Revenue-MV
Value0.16
Score1/3
Weight1.95%
1M Return0.66%
Current liabilities / Total liabilities (%)
Value49.30
Score2/3
Weight5.41%
1M Return1.79%
Net income-Revenue
Value-0.16
Score2/3
Weight5.49%
1M Return1.97%
Basic earnings per share (YoY growth rate %)
Value229.09
Score3/3
Weight15.39%
1M Return4.28%
Rate of return on total assets (%)
Value-12.40
Score1/3
Weight4.44%
1M Return1.42%
Fixed assets turnover ratio
Value7979.42
Score3/3
Weight8.83%
1M Return2.65%
Annualized return on total assets (%)
Value-16.54
Score1/3
Weight4.44%
1M Return1.42%
Diluted earnings per share (YoY growth rate %)
Value227.27
Score3/3
Weight17.91%
1M Return4.99%
Asset-MV
Value-0.50
Score3/3
Weight28.93%
1M Return7.53%
Current assets / Total assets (%)
Value45.05
Score3/3
Weight7.21%
1M Return2.31%
Is RBKB undervalued or overvalued?
  • RBKB scores 6.36/10 on fundamentals and holds a Discounted valuation at present. Backed by its 6.05% ROE, 10.57% net margin, -24.91 P/E ratio, 1.07 P/B ratio, and 200.00% earnings growth, these metrics solidify its Outperform investment rating.