Rhinebeck Bancorp, Inc. (RBKB) intrinsic value & 10-year financials
Rhinebeck Bancorp, Inc. (RBKB) has a Graham intrinsic value of $20.45 per share. At $12.85 on Oct 17, 2026, the stock trades 37% below that value. Over the last 10 fiscal years revenue grew 2.7% a year to $3.0M, with an average return on invested capital of 4.8%.
- Graham intrinsic value
- $20.45
- Share price (Oct 17, 2026)
- $12.85
- Price vs Graham value
- 37% below
- Market cap
- $140.8M
- Revenue (FY2025)
- $3.0M
- Revenue growth (10-yr CAGR)
- 2.7%
- ROIC (10-yr avg)
- 4.8%
- Free cash flow (FY2025)
- $10.9M
RBKB 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $3.0M | $10.0M | $0.92 | $10.9M | — | — |
| FY2024 | $3.0M | -$8.6M | -$0.80 | $7.7M | — | — |
| FY2023 | $2.9M | $4.4M | $0.40 | $6.5M | — | — |
| FY2022 | $2.8M | $7.0M | $0.64 | $13.7M | — | — |
| FY2021 | $2.6M | $11.6M | $1.06 | $5.9M | — | — |
| FY2020 | $2.3M | $5.9M | $0.55 | $13.0M | — | — |
| FY2019 | $2.8M | $6.0M | $0.56 | $6.4M | — | — |
| FY2018 | $2.8M | $4.4M | — | $7.5M | — | — |
| FY2017 | $2.4M | $3.0M | — | $4.7M | — | — |
| FY2016 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Rhinebeck Bancorp, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Rhinebeck Bancorp, Inc. 10-year average ROIC is N/A; capital efficiency cannot be assessed from the available history.
Rhinebeck Bancorp, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Rhinebeck Bancorp, Inc. is modeled at 8.6% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $20.45 per share.