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Rhinebeck Bancorp

Nasdaq:RBKB
Snowflake Description

Flawless balance sheet with acceptable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
RBKB
Nasdaq
$125M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Rhinebeck Bancorp, Inc. provides banking services to customers in the central Hudson Valley region of New York State. The last earnings update was 54 days ago. More info.


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RBKB Share Price and Events
7 Day Returns
-4%
NasdaqCM:RBKB
0.7%
US Mortgage
1.6%
US Market
1 Year Returns
-
NasdaqCM:RBKB
0.9%
US Mortgage
2.6%
US Market
RBKB Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Rhinebeck Bancorp (RBKB) -4% -5.9% -4.3% - - -
US Mortgage 0.7% -0.3% -0.6% 0.9% 33.6% 40.8%
US Market 1.6% -1.7% 2.1% 2.6% 38.5% 41.4%
1 Year Return vs Industry and Market
  • No trading data on RBKB.
  • No trading data on RBKB.
Price Volatility
Industry
5yr Volatility vs Market

Value

 Is Rhinebeck Bancorp undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Rhinebeck Bancorp to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Rhinebeck Bancorp.

NasdaqCM:RBKB Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Extrapolated from most recent financials. See below
Discount Rate (Cost of Equity) See below 9.3%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqCM:RBKB
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Mortgage Unlevered Beta Simply Wall St/ S&P Global 0.91
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.907 (1 + (1- 21%) (33.42%))
1.098
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.1
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.098 * 5.96%)
9.27%

Discounted Cash Flow Calculation for NasdaqCM:RBKB using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for Rhinebeck Bancorp is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

NasdaqCM:RBKB DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (USD, Millions) Source Present Value
Discounted (@ 9.27%)
2019 9.48 Est @ 24.53% 8.67
2020 11.18 Est @ 17.99% 9.36
2021 12.68 Est @ 13.41% 9.72
2022 13.97 Est @ 10.21% 9.80
2023 15.09 Est @ 7.96% 9.68
2024 16.05 Est @ 6.39% 9.43
2025 16.90 Est @ 5.29% 9.08
2026 17.67 Est @ 4.53% 8.69
2027 18.37 Est @ 3.99% 8.27
2028 19.03 Est @ 3.61% 7.84
Present value of next 10 years cash flows $90.55
NasdaqCM:RBKB DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2028 × (1 + g) ÷ (Discount Rate – g)
= $19.03 × (1 + 2.73%) ÷ (9.27% – 2.73%)
$298.77
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= $298.77 ÷ (1 + 9.27%)10
$123.06
NasdaqCM:RBKB Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= $90.55 + $123.06
$213.61
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $213.61 / 11.13
$19.19
NasdaqCM:RBKB Discount to Share Price
Calculation Result
Value per share (USD) From above. $19.19
Current discount Discount to share price of $11.22
= -1 x ($11.22 - $19.19) / $19.19
41.5%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Rhinebeck Bancorp is available for.
Intrinsic value
42%
Share price is $11.22 vs Future cash flow value of $19.19
Current Discount Checks
For Rhinebeck Bancorp to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Rhinebeck Bancorp's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Rhinebeck Bancorp's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Rhinebeck Bancorp's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Rhinebeck Bancorp's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqCM:RBKB PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD Not available
NasdaqCM:RBKB Share Price ** NasdaqCM (2019-05-21) in USD $11.22
United States of America Mortgage Industry PE Ratio Median Figure of 130 Publicly-Listed Mortgage Companies 14.24x
United States of America Market PE Ratio Median Figure of 3,087 Publicly-Listed Companies 17.74x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Rhinebeck Bancorp.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to compare the PE ratio to the industry average as no data exists.
  • Unable to calculate PE ratio for Rhinebeck Bancorp, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does Rhinebeck Bancorp's expected growth come at a high price?
Raw Data
NasdaqCM:RBKB PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 0x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
9.1%per year
United States of America Mortgage Industry PEG Ratio Median Figure of 49 Publicly-Listed Mortgage Companies 1.32x
United States of America Market PEG Ratio Median Figure of 2,123 Publicly-Listed Companies 1.53x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Rhinebeck Bancorp, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Rhinebeck Bancorp's assets?
Raw Data
NasdaqCM:RBKB PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD Not available
NasdaqCM:RBKB Share Price * NasdaqCM (2019-05-21) in USD $11.22
United States of America Mortgage Industry PB Ratio Median Figure of 144 Publicly-Listed Mortgage Companies 1.13x
United States of America Market PB Ratio Median Figure of 5,202 Publicly-Listed Companies 1.84x

* Primary Listing of Rhinebeck Bancorp.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to compare the PB ratio to the industry average as no data exists.
X
Value checks
We assess Rhinebeck Bancorp's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Rhinebeck Bancorp has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Rhinebeck Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Rhinebeck Bancorp, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
9.1%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Rhinebeck Bancorp expected to grow at an attractive rate?
  • Rhinebeck Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Rhinebeck Bancorp's earnings growth is positive but not above the United States of America market average.
  • Unable to compare Rhinebeck Bancorp's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NasdaqCM:RBKB Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqCM:RBKB Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 9.1%
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 10.1%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 5.4%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.8%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqCM:RBKB Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqCM:RBKB Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 31 9 4
2018-09-30 30 7 2
2018-06-30 31 6 3
2018-03-31 31 6 3
2017-12-31 32 5 3
2016-12-31 28 5 3

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Rhinebeck Bancorp's earnings are expected to grow by 9.1% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Rhinebeck Bancorp is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqCM:RBKB Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Rhinebeck Bancorp Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:RBKB Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31
2018-09-30
2018-06-30
2018-03-31
2017-12-31
2016-12-31

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Rhinebeck Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Rhinebeck Bancorp's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Rhinebeck Bancorp has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Rhinebeck Bancorp performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Rhinebeck Bancorp's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Rhinebeck Bancorp has delivered over 20% year on year earnings growth in the past 5 years.
  • Rhinebeck Bancorp's 1-year earnings growth exceeds its 5-year average (45.1% vs 20.8%)
  • Rhinebeck Bancorp's earnings growth has exceeded the US Mortgage industry average in the past year (45.1% vs 38.9%).
Earnings and Revenue History
Rhinebeck Bancorp's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Rhinebeck Bancorp Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:RBKB Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 31.49 4.36 20.61
2018-09-30 30.13 1.93 19.94
2018-06-30 30.82 2.59 19.60
2018-03-31 31.28 2.79 19.69
2017-12-31 31.74 3.00 19.78
2016-12-31 28.35 2.69 19.44
2015-12-31 29.36 0.86 19.11
2014-12-31 28.28 0.92 19.31
2013-12-31 29.13 1.39 20.19

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Rhinebeck Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Rhinebeck Bancorp used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.
  • Unable to establish if Rhinebeck Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Rhinebeck Bancorp's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Rhinebeck Bancorp has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Rhinebeck Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Rhinebeck Bancorp's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Rhinebeck Bancorp Company Filings, last reported 4 months ago.

NasdaqCM:RBKB Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 59.28 41.75 50.59
2018-09-30 57.01 58.78 12.60
2018-06-30 55.56 48.16 12.41
2018-03-31 55.56 48.16 12.41
2017-12-31 54.98 20.06 10.46
2016-12-31 52.52 14.66 12.98
2015-12-31 50.93 5.16 28.32
2014-12-31 50.50 12.66 30.57
2013-12-31 51.59 12.66 17.43
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Rhinebeck Bancorp has an acceptable proportion of non-loan assets held.
  • Rhinebeck Bancorp's liabilities are made up of primarily low risk sources of funding.
  • Loans at Rhinebeck Bancorp are broadly funded by customer deposits.
  • Rhinebeck Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Rhinebeck Bancorp has a sufficient allowance for bad loans.
  • Rhinebeck Bancorp has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Rhinebeck Bancorp's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Rhinebeck Bancorp has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Rhinebeck Bancorp's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Rhinebeck Bancorp dividends.
If you bought $2,000 of Rhinebeck Bancorp shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Rhinebeck Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Rhinebeck Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqCM:RBKB Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 95 Stocks 3.2%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2003 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Rhinebeck Bancorp has not reported any payouts.
  • Unable to verify if Rhinebeck Bancorp's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Rhinebeck Bancorp's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Rhinebeck Bancorp has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Rhinebeck Bancorp's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Rhinebeck Bancorp afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Rhinebeck Bancorp has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Rhinebeck Bancorp's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Michael Quinn
COMPENSATION $605,161
AGE 55
TENURE AS CEO 25.3 years
CEO Bio

Mr. Michael J. Quinn has been the President and Chief Executive Officer at Rhinebeck Savings Bank since July 1, 2004 and serves as its Director. Mr. Quinn served as President and Chief Operating Officer at Rhinebeck Savings Bank. He has been Director at Rhinebeck Bancorp MHC since 2001. He is the President, Chief Executive Officer and Director of Rhinebeck Bancorp Inc since 1994 and 2001.

CEO Compensation
  • No earnings data for Rhinebeck Bancorp, not possible to compare to compensation.
  • Michael's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Rhinebeck Bancorp management team in years:

4.8
Average Tenure
53.5
Average Age
  • The tenure for the Rhinebeck Bancorp management team is about average.
Management Team

Michael Quinn

TITLE
CEO, President & Director
COMPENSATION
$605K
AGE
55
TENURE
25.3 yrs

Michael McDermott

TITLE
Senior VP & COO
COMPENSATION
$286K
AGE
65
TENURE
18.3 yrs

Jamie Bloom

TITLE
COO & Senior VP
COMPENSATION
$324K
AGE
51
TENURE
4.2 yrs

Karen Morgan-D'Amelio

TITLE
Chief Risk Officer
AGE
48
TENURE
5.2 yrs

James McCardle

TITLE
Chief Credit Officer & Senior VP
COMPENSATION
$242K
AGE
52
TENURE
1.3 yrs

Frank Dwyer

TITLE
President of Rhinebeck Asset Management
AGE
57
TENURE
4.3 yrs
Board of Directors Tenure

Average tenure and age of the Rhinebeck Bancorp board of directors in years:

15.3
Average Tenure
56
Average Age
  • The average tenure for the Rhinebeck Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Louis Tumolo

TITLE
Chairman of the Board
COMPENSATION
$47K
AGE
73
TENURE
36.3 yrs

Michael Quinn

TITLE
CEO, President & Director
COMPENSATION
$605K
AGE
55
TENURE
18.3 yrs

Shannon LaFrance

TITLE
Director
COMPENSATION
$36K
AGE
51
TENURE
12.3 yrs

Suzanne Loughlin

TITLE
Director
COMPENSATION
$35K
AGE
57
TENURE
8.3 yrs

Fred Battenfeld

TITLE
Director
COMPENSATION
$38K
AGE
69
TENURE
24.3 yrs

Christopher Chestney

TITLE
Director
COMPENSATION
$42K
AGE
53
TENURE
4.3 yrs

Freddimir Garcia

TITLE
Director
COMPENSATION
$36K
AGE
30
TENURE
2.3 yrs

William Irwin

TITLE
Director
COMPENSATION
$37K
AGE
58
TENURE
23.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
17. Jan 19 Buy Francis Dwyer Individual 17. Jan 19 17. Jan 19 250 $11.71 $2,928
X
Management checks
We assess Rhinebeck Bancorp's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Rhinebeck Bancorp has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Rhinebeck Bancorp, Inc. provides banking services to customers in the central Hudson Valley region of New York State. The company offers deposits; automobile loans; commercial real estate loans, including multi-family real estate loans and commercial construction loans; commercial business loans; and one- to four-family residential real estate loans. It also provides brokerage and financial planning services; and life insurance and investment products to individuals and businesses. It operates through 11 branch offices located in Dutchess, Orange, and Ulster Counties, New York. Rhinebeck Bancorp, Inc. was founded in 1860 and is headquartered in Poughkeepsie, New York.

Details
Name: Rhinebeck Bancorp, Inc.
RBKB
Exchange: NasdaqCM
Founded: 1860
$124,915,513
11,133,290
Website: http://www.rhinebeckbank.com
Address: Rhinebeck Bancorp, Inc.
2 Jefferson Plaza,
Poughkeepsie,
New York, 12601,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqCM RBKB Common Stock Nasdaq Capital Market US USD 17. Jan 2019
Number of employees
Current staff
Staff numbers
161
Rhinebeck Bancorp employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/22 07:18
End of day share price update: 2019/05/21 00:00
Last earnings filing: 2019/03/29
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.