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Upturn AI SWOT - About
Rhinebeck Bancorp Inc (RBKB)
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Upturn Advisory Summary
04/04/2025: RBKB (1-star) is a SELL. SELL since 3 days. Profits (12.30%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -0.63% | Avg. Invested days 47 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 106.95M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 5591 | Beta 0.46 | 52 Weeks Range 7.30 - 10.50 | Updated Date 04/5/2025 |
52 Weeks Range 7.30 - 10.50 | Updated Date 04/5/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.8 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -33.27% | Operating Margin (TTM) -45.64% |
Management Effectiveness
Return on Assets (TTM) -0.67% | Return on Equity (TTM) -7.32% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 148839136 | Price to Sales(TTM) 4.13 |
Enterprise Value 148839136 | Price to Sales(TTM) 4.13 | ||
Enterprise Value to Revenue 6.33 | Enterprise Value to EBITDA - | Shares Outstanding 11094800 | Shares Floating 3006015 |
Shares Outstanding 11094800 | Shares Floating 3006015 | ||
Percent Insiders 59.84 | Percent Institutions 15.78 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Rhinebeck Bancorp Inc
Company Overview
History and Background
Rhinebeck Bancorp, Inc. was originally founded in 1860 as Rhinebeck Savings Bank. It has evolved from a savings bank to a full-service commercial bank.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Commercial Lending: Offers commercial loans to businesses in the Hudson Valley region.
- Residential Mortgages: Originates residential mortgage loans.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is typical of a community bank, with various departments responsible for different functions.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offer various residential mortgage products. Market share within their region is estimated at 2-3%. Competitors include larger national and regional banks and mortgage companies such as JPMorgan Chase (JPM) and KeyCorp (KEY).
- Commercial Loans: Provides commercial loans to businesses in the local market. Market share within their region is estimated at 5%. Competitors include larger national and regional banks such as Bank of America (BAC) and M&T Bank (MTB).
- Deposit Accounts: Offer checking, savings, and money market accounts. Market share is estimated around 4%. Competitors include larger banks and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and growing competition from non-bank financial institutions.
Positioning
Rhinebeck Bancorp Inc positions itself as a community-focused bank with strong local ties and personalized service. Their competitive advantage lies in their local market expertise and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in the Hudson Valley region is estimated at $5-10 billion annually. Rhinebeck Bancorp Inc's position is relatively small, with an opportunity to increase market share through strategic initiatives.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Solid local market knowledge
- Customer-focused service
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking products
- Less sophisticated technology infrastructure compared to larger institutions.
Opportunities
- Expansion into new markets within the Hudson Valley region
- Development of new digital banking products and services
- Strategic acquisitions of smaller banks or credit unions
- Capitalizing on the growing demand for community-focused banking
Threats
- Increasing competition from larger banks and online lenders
- Rising interest rates and inflation
- Regulatory changes
- Economic downturn in the Hudson Valley region
Competitors and Market Share
Key Competitors
- JPMorgan Chase (JPM)
- Bank of America (BAC)
- M&T Bank (MTB)
- KeyCorp (KEY)
Competitive Landscape
Rhinebeck Bancorp Incu2019s advantages are its strong local relationships and community focus. Its disadvantages include limited scale and resources compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical Growth cannot be provided because there isn't any recent financial data publicly available.
Future Projections: Future Projections cannot be provided because there isn't any recent financial data publicly available.
Recent Initiatives: Recent Initiatives cannot be provided because there isn't any recent financial data publicly available.
Summary
Rhinebeck Bancorp Inc. is a community-focused bank with strong local ties, offering traditional banking services in the Hudson Valley. Its strengths include customer relationships and local market knowledge, but it faces challenges from larger competitors and changing market conditions. Opportunities exist for expansion and digital innovation, while threats include economic downturns and rising interest rates. Due to the limited availability of public financial data, a full assessment of the bank's financial health and growth trajectory is not possible.
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Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Market Analysis
Disclaimers:
Financial data is estimated due to limited public information. Market share estimates are approximate and may vary. This analysis is for informational purposes only and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Rhinebeck Bancorp Inc
Exchange NASDAQ | Headquaters Poughkeepsie, NY, United States | ||
IPO Launch date 2019-01-17 | CEO, President & Director Mr. Michael J. Quinn | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 157 | Website https://www.rhinebeckbank.com |
Full time employees 157 | Website https://www.rhinebeckbank.com | ||
Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York. The company offers deposits, including non-interest-bearing demand, interest bearing demand, money market, commercial and personal checking, individual retirement, and saving accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; and other consumer loans consist of home equity loans and lines of credit. In addition, the company offers retail brokerage and advisory services; life insurance services; and invests in mutual funds, annuities, and other assets. Rhinebeck Bancorp, Inc. was founded in 1860 and is headquartered in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. is a subsidiary of Rhinebeck Bancorp, MHC.
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