Rhinebeck Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Rhinebeck Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 90% of Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $98 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 89% of Financial Services companies in United States.
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
$55Sales grew 12% in 3 years; of every extra $100 of sales, $55 became extra profit.
Higher than 82% of Financial Services companies in United States.
Asset Productivity Ratio
+12% / -3%In 3 years sales changed by +12% while total assets changed by -3%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 90% of Financial Services companies in United States.
Tangible Net Worth Ratio
98%Of every $100 of net worth, $98 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 89% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Rhinebeck Bancorp, Inc. owes $0.91 for every $1 it owns. Rhinebeck Bancorp, Inc. returned to profit in the year to Dec 2025, after a loss the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
14.2Investors pay $14.2 for every $1 of Rhinebeck Bancorp, Inc.'s yearly profit, higher than 60% of Financial Services companies in United States.
P/B ratio
1.45The share price is 1.45 times Rhinebeck Bancorp, Inc.'s book value per share, higher than 65% of Financial Services companies in United States.
Market cap
$202 MThe total market value of all of Rhinebeck Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 82% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$140 MWhat Rhinebeck Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$8.93Net worth divided by the number of shares. The share price of $12.93 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
7.3%Rhinebeck Bancorp, Inc. earned 7.3% on its shareholders' money over the last year, lower than 68% of Financial Services companies in United States.
Owes vs Owns
0.91×Rhinebeck Bancorp, Inc. owes $0.91 for every $1 it owns (high), higher than 84% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneRhinebeck Bancorp, Inc. does not currently pay a dividend.
Revenue growth
+86%Revenue rose 86% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
Back to profitRhinebeck Bancorp, Inc. returned to profit in the year to Dec 2025, after a loss the year before.
Profit margin
18.8%Rhinebeck Bancorp, Inc. keeps $19 of every $100 of revenue as net profit.
Questions
What is Rhinebeck Bancorp, Inc.'s P/E ratio?
Investors pay $14.2 for every $1 of Rhinebeck Bancorp, Inc.'s yearly profit, higher than 60% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Rhinebeck Bancorp, Inc.: $202 M ÷ $140 M (30 Jun 2026) = 1.4.
What is Rhinebeck Bancorp, Inc.'s return on equity?
Rhinebeck Bancorp, Inc. earned 7.3% on its shareholders' money over the last year, lower than 68% of Financial Services companies in United States.
How much does Rhinebeck Bancorp, Inc. owe compared with what it owns?
Rhinebeck Bancorp, Inc. owes $0.91 for every $1 it owns (high), higher than 84% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Rhinebeck Bancorp, Inc. pay a dividend?
No. Rhinebeck Bancorp, Inc. does not currently pay a dividend.
Is Rhinebeck Bancorp, Inc.'s revenue growing?
Revenue rose 86% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.