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Why RBKB Stock advanced +0.08% Today — RQD Quant Desk Flash

$12.94 +0.08% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $12.92

Rhinebeck Bancorp Inc. (RBKB) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $202.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RBKB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Rhinebeck Bancorp Inc. (NASDAQ: RBKB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $12.94 (+0.08% 1D, market cap $202.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, RBKB ranks #287 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RBKB compare to ECBK and FBLA in the Financials sector?
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Within the Financials sector (Banks), RBKB carries a Roarable C (64/100 RQD), trailing P/E of 20.0x, gross margin of —, and ROIC of 7.3%. By comparison, ECBK (ECB Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 24.0x, ROIC 4.5%, cap $186.6M) and FBLA (FB Bancorp Inc.) posts a D- grade (42/100 RQD, P/E N/A, ROIC 0.4%, cap $266.3M). Among the 5-stock peer group, RBKB leads on earnings multiple (20.0x) while RBKB leads on capital efficiency (7.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RBKB?
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Per RBKB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001751783), Rhinebeck Bancorp Inc. generated $546.7M in revenue (+3.7% YoY), $10.0M in net income, and $10.9M in free cash flow against $1.30B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $12.92 (-0.18%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510064
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C- · Rk B-
Cash (11)Whales (11)SEC (13)Macro (15)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$16 Bull$13 Base$10 Bear
📬 FREE RBKB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RBKB)Realized 20D OHLCV Swing Band: ±2.7%
Deterministic 5-Pillar Attribution (64/100 Composite)
🔍 WHY RBKB SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (23% of score)

FRED Regime × Technicals: 95% of 52W Range • RSI-14 at 53.4 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
56
Grade C$12.88-1.1% Next Q
Q2 (-2Q)
59
Grade C$12.74+1% Next Q
Q3 (-1Q)
61
Grade C$12.87+0.5% Next Q
Current
64
Grade C$12.94+1.1% Hist 90D α
Trajectory: C (56) → C (64)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RBKB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, RBKB faces multiple-compression risk if 20.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($12.86) or 200D SMA ($11.74) invalidates the momentum regime and cuts Target Base ($13.29) toward Bear Floor ($10.37).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RBKB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “RBKB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 64%NO 36%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why RBKB Stock advanced +0.08% Today — RQD Quant Desk Flash

Rhinebeck Bancorp Inc. (RBKB) advanced +0.08% to $12.94, trading at 95% of its 52-week range ($6.74 – $13.28). Solid steady margins (7% return on capital), mixed timing at 20x P/E—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 95% of its 52-week range ($6.74 – $13.28) with RSI-14 at 53.4 (NEUTRAL RANGE).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±2.7% around $12.94 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $10.9M annual free cash flow.
Live RBKB Headlines & Catalysts
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Scheduled RQD Strong Buys & Whale Accumulation Briefing (RBKB Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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RBKB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.33%📐 HORIZONTAL RANGE
2026-11-03O $12.85H $12.94L $12.85C $12.94VOL 168.4K
RES: $13.56SUP: $11.13SMA50: $12.86SMA200: $11.74
$13.56$12.39$11.22$10.05$8.88RES $13.56SUP $11.13$12.942026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RBKB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RBKB Butterfly Map → + Track RBKB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
13.5%/yr Implied 5Y Growth

vs. +3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on RBKB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RBKB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for RBKB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RBKB)

Financials Rank #287 of 1097 ⚔️ ECBK vs RBKB Full Matrix →

1. Head-to-Head Financials Peer Comparison (RBKB vs. ECBK, FBLA, HYNE, SRBK)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Rhinebeck Bancorp Inc. (RBKB) ranks #287 by composite RQD confidence (64/100, grade C) and #880 by equity capitalization ($202.2M). Within this direct 5-issuer industry benchmark cohort, RBKB leads on earnings valuation at 20.0x trailing P/E, while RBKB leads on capital efficiency and profitability with 7.3% ROIC and — gross margin. ECBK currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with RBKB at 64/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
RBKB ACTIVE
Rhinebeck Bancorp Inc.
C 64/100 20.0x — 7.3% +0.08% $202.2M Benchmark Subject
ECBK
ECB Bancorp Inc.
C+ 67/100 24.0x — 4.5% +0.09% $186.6M /ecbk-vs-rbkb →
FBLA
FB Bancorp Inc.
D- 42/100 — — 0.4% +0.36% $266.3M /fbla-vs-rbkb →
HYNE
Hoyne Bancorp Inc.
D+ 56/100 — — 0.1% +0.69% $152.2M /hyne-vs-rbkb →
SRBK
SR Bancorp Inc.
D+ 55/100 29.3x — 2.7% +2.40% $149.0M /srbk-vs-rbkb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001751783 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Rhinebeck Bancorp Inc. (RBKB) reported GAAP revenue of $546.7M (+3.7% vs. FY2024 revenue of $527.4M , and +1402.4% cumulative change since FY2023) , GAAP net income of $10.0M, operating cash flow of $11.7M, and free cash flow of $10.9M (+41.9% YoY). On the balance sheet, RBKB closed FY2025 with $1.30B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $546.7M $10.0M $11.7M $10.9M $1.30B —
FY2024 (FY) 2024-12-31 $527.4M -$8.6M $8.5M $7.7M $1.26B —
FY2023 (FY) 2023-12-31 $36.4M $4.4M $7.0M $7.0M — —

3. RBKB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RBKB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Rhinebeck Bancorp Inc. (NASDAQ: RBKB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $12.94 (+0.08% 1D, market cap $202.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, RBKB ranks #287 in composite RQD confidence.

How does RBKB compare to ECBK and FBLA in the Financials sector?

Within the Financials sector (Banks), RBKB carries a Roarable C (64/100 RQD), trailing P/E of 20.0x, gross margin of —, and ROIC of 7.3%. By comparison, ECBK (ECB Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 24.0x, ROIC 4.5%, cap $186.6M) and FBLA (FB Bancorp Inc.) posts a D- grade (42/100 RQD, P/E N/A, ROIC 0.4%, cap $266.3M). Among the 5-stock peer group, RBKB leads on earnings multiple (20.0x) while RBKB leads on capital efficiency (7.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RBKB?

Per RBKB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001751783), Rhinebeck Bancorp Inc. generated $546.7M in revenue (+3.7% YoY), $10.0M in net income, and $10.9M in free cash flow against $1.30B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RBKB trading relative to its 50-day, 200-day, and 52-week technical levels?

RBKB last traded at $12.94 (+0.08% on volume of 120,543 shares), positioning the stock +0.62% above its 50-day simple moving average ($12.86) and +10.22% above its 200-day simple moving average ($11.74). Across its 52-week range of $6.74 to $13.28, RBKB sits at the 94.8% percentile with a 14-day RSI of 53.4 (NEUTRAL RANGE) and an implied next-earnings move of ±2.7% ($12.59 to $13.29).

Direct Sub-Reports: RBKB RQD Cockpit RBKB 12M Forecast RBKB Earnings & Move RBKB Dividends & DRIP RBKB Insiders & 13F RBKB Whale Options RBKB Profit Sankey RBKB News & Why
ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ SEC XBRL & RQD VERIFIED

RBKB — Rhinebeck Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Rhinebeck Bancorp Inc. (RBKB) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $12.94 (+0.08% 1D, market capitalization $202.2M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 7.3%, gross margin of —, operating margin of —, and free cash flow yield of 5.42%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Rhinebeck Bancorp Inc. Is listed on NASDAQ under the ticker RBKB and is classified in the Financials sector and Banks industry per the company profile..2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Rhinebeck Bancorp Inc. (RBKB) reported $546.7M in annual revenue (up from $527.4M in FY2024, +3.7% YoY) and $10.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($36.4M revenue, $4.4M net income) through FY2025, RBKB scaled operating cash flow to $11.7M and free cash flow to $10.9M, backed by $1.30B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 64/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 5.42% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $6.74 – $13.28 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 20.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Banks (Financials), RBKB carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can RBKB sustain or expand its — operating margin and 7.3% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $546.7M and free cash flow of $10.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is RBKB's 18.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

RBKB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Rhinebeck Bancorp Inc. (RBKB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RBKB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RBKB Bull vs. Bear Conversation Board — What's Your Call at $12.94?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RBKB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on RBKB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $15.13 (+17.0%)
📌 Pinned Debate

Per the Roarable RQD rating, the 7.3% ROIC and 5.42% FCF yield, combined with reported FY 2025 net income of $10.0M, support the fundam

The street is overcomplicating Rhinebeck Bancorp Inc. (RBKB). Per the Roarable RQD rating, the 7.3% ROIC and 5.42% FCF yield, combined with reported FY 2025 net income of $10.0M, support the fundamental cash engine pillar.. With an RQD score of 64/100 (C) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $13.96.

RetailWhale_TX 🐂 BULL

@RedlineAuditor Shorting a 11/20 institutional whale-flow stock at $12.93 is dangerous when funds are rotating into Financials.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $10.86 (-16.0%)
Spot @ $12.93

Per the market data, the stock trades at a P/E of 20 near the top of its $6.74 - $13.28 52-week range, while revenue and operating inco

Sitting on the sidelines or leaning short RBKB above $12.93. Per the market data, the stock trades at a P/E of 20 near the top of its $6.74 - $13.28 52-week range, while revenue and operating income are reported as $0.0M.. Until Fundamental Cash Engine (11/20) and FCF yield (5.42%) inflect higher, upside is capped near $13.28.

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