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RBKB

Rhinebeck Bancorp Inc
Chart
17.02 USD
Latest Week 2026-07-17
Financial ServicesBanks - RegionalMICRO
Snapshot 2026-07-19 · 0.6w · Fresh
0.88
OS Score
68.0%
Value
77.0%
Quality
79.0%
Momentum
7/9
F-Score
0.724
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
8 of 23 passing
★
OS Composite
OS 0.880
↗
Trending Value
✗
◆
Quality × Value
QV 0.724
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +36%
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 41%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 68%
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.74
⚡
Risk-Adj Momentum
RAM 1.16
V
Value Analysis
Cheapness relative to fundamentals
68.0%ile
P/E
18.9×
P/S
2.5×
P/B
1.4×
E/P
0.0671
FCF Yield
0.066
EBITDA/EV
0.072
SH Yield
0.002
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
68.00000000
/100 — 1=cheapest
VC2 (Trending Value)
72.00000000
/100
VC3 (Buyback)
73.00000000
/100
FCF yield of 6.6% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
77.0%ile
ROE
0.072
ROA
0.008
Net Margin
0.132
Op Margin
0.167
GPA
0.040
D/E
8.27
Current
10.41
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.361
Stability
12.148
lower=better
Accruals
-0.001
lower=better
5yr Consist
No
Highly leveraged with D/E of 8.27 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
79.0%ile
6M Return
45.1%
12M Return
36.5%
12-1 Mom
41.1%
Risk-Adj
1.16
Vol 252d
35.3%
Vol 60d
76.9%
↑ Expanding
Max DD 12M
-29.5%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 41% is very strong — a clear uptrend. Near-term vol (77%) is expanding vs long-term (35%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.88
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
23.8%
Sector Quality %ile
58.7%
P/E z-score
0.02
P/B z-score
-0.06
Sector Avg OS
85.4%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
RILYL BRC Group Holdings, Inc. 99.0% 94.0% 88.0% 95.0%
CARE Carter Bank and Trust 99.0% 96.0% 96.0% 91.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 91.0%
IX Orix Corp Ads 99.0% 98.0% 82.0% 90.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 89.0%
MFG Mizuho Financial Group Inc. 98.0% 97.0% 70.0% 91.0%
UVE Universal Insurance Holdings Inc 98.0% 96.0% 86.0% 86.0%
RNR Renaissancere Holdings Ltd 98.0% 96.0% 94.0% 78.0%
Factor Interactions
Growth at Reasonable Price
Revenue growing 36% with P/E of 19×. Growth isn't fully priced in.
Volatility Expanding
60-day vol (77%) significantly exceeds 252-day (35%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
56.8% avg (7 factors)
Quality
D
39.5% avg (8 factors)
Momentum
A
77.5% avg (4 factors)
Risk
C
57.8% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.880—7—
Value %ile0.680—0—
Quality %ile0.770—7—
Momentum %ile0.790—5—
F-Score7.000—7—
Confidence0.910—7—
Volatility0.353—0—
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
18.94
Earnings Yield (E/P)
0.0671
Price / Sales
2.50
Price / Book
1.36
Price / Cash Flow
17.26
FCF Yield
6.6%
EBITDA / EV
7.2%
Sales Yield (1/P·S)
0.4022
Shareholder Yield
Div + net buyback / mktcap
0.2%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
7.2%
Return on Assets
0.8%
Net Margin
13.2%
Operating Margin
16.7%
Gross Profit / Assets
Novy-Marx GPA
4.0%
Debt / Equity
8.27
Current Ratio
10.41
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.001
MomentumPrice trend strength over different horizons
6M Return
45.1%
12M Return
36.5%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
41.1%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.16
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
36.1%
Earnings Stability (CV)
Lower = more stable
12.148
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
7
Buyback Yield
0.2%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
68
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
72
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
73
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity