Rhinebeck Bancorp, Inc. cash flow to debt ratio of 38.75% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Rhinebeck Bancorp, Inc.'s free cash flow has increased 41.85% from $7.68M last year to $10.89M, signaling increasing performance

Rhinebeck Bancorp, Inc.'s debt to equity ratio is 0.07, which means that the company's assets are healthy financed, signaling financial stability.

Rhinebeck Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.62 last year to 0.07 today, signaling strengthened financials

Rhinebeck Bancorp, Inc. has a net cash position, so leverage is healthy.

Rhinebeck Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Rhinebeck Bancorp, Inc.'s profit margin has increased (-202.46%) in the last year from -15.89% to 16.28%, signaling increasing performance

Rhinebeck Bancorp, Inc.'s short-term liabilities of $1.10B exceed its short-term assets of $126.91M, signaling financial risk

Rhinebeck Bancorp, Inc.'s return on assets of 0.67% is lower than the 5.00% threshold, indicating inefficient asset utilization

Rhinebeck Bancorp, Inc.'s return on equity of 7.20%, is lower than 15.00%, indicating bad performance

Rhinebeck Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Rhinebeck Bancorp, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Rhinebeck Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Rhinebeck Bancorp, Inc. has a free cash flow yield of 5.58%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Rhinebeck Bancorp, Inc.'s yearly earnings has increased -216.53% since last year from $-8.62M to $10.04M, signaling increasing performance

Rhinebeck Bancorp, Inc.'s yearly revenue has increased 26.94% since last year from $54.26M to $68.87M, signaling increasing performance

ROIC -3.10% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Rhinebeck Bancorp, Inc.'s 3-year revenue CAGR of 11.63% is positive, indicating growing revenue over the past 3 years

Rhinebeck Bancorp, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Rhinebeck Bancorp, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Rhinebeck Bancorp, Inc. is overvalued relative to its fair value price of 8.66 based on Discounted Cash Flow model

Rhinebeck Bancorp, Inc. has an earnings yield of 7.29%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Rhinebeck Bancorp, Inc. is overvalued relative to its fair value price of 7.33 based on EBITDA multiple model

Rhinebeck Bancorp, Inc. has an EV/EBITDA ratio of 7.62x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Rhinebeck Bancorp, Inc. is undervalued relative to its fair value price of 20.93 based on Earnings Fair Value model

Rhinebeck Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued

Rhinebeck Bancorp, Inc. has a price-to-book ratio of 0.97x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Rhinebeck Bancorp, Inc. has a price-to-sales ratio of 2.23x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue