Rhinebeck Bancorp, Inc. (RBKB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$13.03+0.46%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · RBKB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -29.8% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 8.1% |
Growth built into the price is above our model estimate.
The price assumes 38.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
RBKB — officer change
Dated 2026-10-06
CFO — Kevin Nihill: The filing discloses a non-renewal of change-in-control agreements as part of a corporate policy update, explicitly stating it does not reflect performance issues or anticipated management changes.
Why it matters: Management plans to use the new capital to grow commercial banking and digital services. Deposit and income growth would show progress.
Supportive ifA future earnings report shows more commercial loans and deposits. It also names a new or expanded digital banking service.
Worry ifThe next two quarterly reports show no growth in commercial loans or deposits. They also show no new or expanded digital banking service.
Why it matters: A weaker jobs or retail report could add pressure to borrower finances. Rhinebeck's loan and past-due figures can show if that pressure reaches the bank.
Watch forThe Nov. 6 Employment Situation and Nov. 17 Retail Sales reports show stronger results than their prior reports, with Rhinebeck past-due loans at or below 1.10% in its next results.
Also watch forThe Nov. 6 jobs or Nov. 17 retail report weakens versus its prior report, and Rhinebeck past-due loans rise above 1.10% in its next results.
Why it matters: Past-due loans fell, but non-performing assets rose to $4.3 million. A rise in overdue loans would weaken the recent credit progress.
Worry ifPast-due loans exceed 1.10% of total loans in a future quarterly release.
Less concerning ifPast-due loans stay at or below 1.10%, and non-performing assets fall below $4.3 million.
Why it matters: The margin fell to 3.79% as cash and securities grew. A recovery would show the new funds earn more.
Watch forNet interest margin rises above 3.79% in the next quarterly results.
Also watch forNet interest margin falls below 3.79% in the next quarterly results.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$61 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $217 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $799 loss on $10,000 · 8.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.