Operates Rhinebeck Bank, a community-focused financial institution. Now — the numbers.
This is an established company with proven profits.
Average growth of 10% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 20× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 57% of them.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Business Quality: Profit power and business quality trail similar companies in the sector.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
Over the last 4 years, sales grew about 10% a year on average.
Over the last 12 months, company executives reported 34 buys and 13 sells. Management buying with its own money is usually read as a good sign.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 48/100.
On our five-subject report card, RBKB sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: RBKB is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.