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Rhinebeck Bancorp Inc
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Let's analyse Rhinebeck Bancorp Inc together

PenkeI guess you are interested in Rhinebeck Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Rhinebeck Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Rhinebeck Bancorp Inc (30 sec.)










What can you expect buying and holding a share of Rhinebeck Bancorp Inc? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
7.4%

What is your share worth?

Current worth
$10.27
Expected worth in 1 year
$10.77
How sure are you?
74.1%

+ What do you gain per year?

Total Gains per Share
$0.50
Return On Investment
6.0%

For what price can you sell your share?

Current Price per Share
$8.39
Expected price per share
$7.25 - $9.15
How sure are you?
50%

1. Valuation of Rhinebeck Bancorp Inc (5 min.)




Live pricePrice per Share (EOD)

$8.39

Intrinsic Value Per Share

$-28.67 - $-34.89

Total Value Per Share

$-18.40 - $-24.63

2. Growth of Rhinebeck Bancorp Inc (5 min.)




Is Rhinebeck Bancorp Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$113.6m$684.7m$265.5m27.9%

How much money is Rhinebeck Bancorp Inc making?

Current yearPrevious yearGrowGrow %
Making money$1m$1.7m-$650.5k-59.2%
Net Profit Margin9.2%14.5%--

How much money comes from the company's main activities?

3. Financial Health of Rhinebeck Bancorp Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Rhinebeck Bancorp Inc? (5 min.)

Welcome investor! Rhinebeck Bancorp Inc's management wants to use your money to grow the business. In return you get a share of Rhinebeck Bancorp Inc.

What can you expect buying and holding a share of Rhinebeck Bancorp Inc?

First you should know what it really means to hold a share of Rhinebeck Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of Rhinebeck Bancorp Inc is $8.3875. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Rhinebeck Bancorp Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Rhinebeck Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $10.27. Based on the TTM, the Book Value Change Per Share is $0.13 per quarter. Based on the YOY, the Book Value Change Per Share is $-25.96 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Rhinebeck Bancorp Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.081.0%0.101.2%0.161.9%0.161.9%0.141.7%
Usd Book Value Change Per Share-100.15-1,194.0%0.131.5%-25.96-309.5%0.252.9%0.384.5%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.070.8%0.050.6%
Usd Total Gains Per Share-100.15-1,194.0%0.131.5%-25.96-309.5%0.313.7%0.435.1%
Usd Price Per Share8.05-7.30-9.57-9.16-6.78-
Price to Earnings Ratio23.96-19.67-17.58-16.97-12.57-
Price-to-Total Gains Ratio-0.08--7.71-37.14-15.03-15.03-
Price to Book Ratio0.78-0.24-0.53-0.22-0.16-
Price-to-Total Gains Ratio-0.08--7.71-37.14-15.03-15.03-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share8.3875
Number of shares119
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.07
Usd Book Value Change Per Share0.130.25
Usd Total Gains Per Share0.130.31
Gains per Quarter (119 shares)14.9237.13
Gains per Year (119 shares)59.68148.53
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10605032117139
2011911063234288
3017917095351437
40239230126468586
50298290158585735
60358350190702884
704184102218191033
804774702539361182
9053753028410531331
10059759031611691480

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%26.01.00.096.3%26.01.00.096.3%
Book Value Change Per Share1.03.00.025.0%8.04.00.066.7%16.04.00.080.0%20.06.01.074.1%20.06.01.074.1%
Dividend per Share0.00.04.00.0%1.00.011.08.3%2.00.018.010.0%2.00.025.07.4%2.00.025.07.4%
Total Gains per Share1.03.00.025.0%8.04.00.066.7%16.04.00.080.0%20.06.01.074.1%20.06.01.074.1%

Fundamentals of Rhinebeck Bancorp Inc

About Rhinebeck Bancorp Inc

Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York. The company offers deposits, including non-interest-bearing demand, interest bearing demand, money market, and saving accounts, as well as certificates of deposit. It provides automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; and other consumer loans consist of home equity loans and lines of credit. In addition, the company offers retail brokerage and investment advisory services; life insurance services; and invests in various securities, mutual funds, and annuities. Rhinebeck Bancorp, Inc. was founded in 1860 and is headquartered in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates as a subsidiary of Rhinebeck Bancorp, MHC.

Fundamental data was last updated by Penke on 2024-03-22 01:45:06.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is just able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Rhinebeck Bancorp Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Rhinebeck Bancorp Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Rhinebeck Bancorp Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 5.5% means that $0.05 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Rhinebeck Bancorp Inc:

  • The MRQ is 5.5%. The company is making a profit. +1
  • The TTM is 9.2%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ5.5%TTM9.2%-3.8%
TTM9.2%YOY14.5%-5.2%
TTM9.2%5Y15.4%-6.1%
5Y15.4%10Y13.9%+1.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ5.5%18.4%-12.9%
TTM9.2%28.0%-18.8%
YOY14.5%25.2%-10.7%
5Y15.4%22.8%-7.4%
10Y13.9%19.8%-5.9%
1.1.2. Return on Assets

Shows how efficient Rhinebeck Bancorp Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Rhinebeck Bancorp Inc to the Banks - Regional industry mean.
  • 0.1% Return on Assets means that Rhinebeck Bancorp Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Rhinebeck Bancorp Inc:

  • The MRQ is 0.1%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.1%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.1%TTM0.1%0.0%
TTM0.1%YOY0.1%-0.1%
TTM0.1%5Y0.1%-0.1%
5Y0.1%10Y0.2%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1%0.1%0.0%
TTM0.1%0.2%-0.1%
YOY0.1%0.2%-0.1%
5Y0.1%0.2%-0.1%
10Y0.2%0.2%0.0%
1.1.3. Return on Equity

Shows how efficient Rhinebeck Bancorp Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Rhinebeck Bancorp Inc to the Banks - Regional industry mean.
  • 0.8% Return on Equity means Rhinebeck Bancorp Inc generated $0.01 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Rhinebeck Bancorp Inc:

  • The MRQ is 0.8%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 1.0%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.8%TTM1.0%-0.2%
TTM1.0%YOY1.6%-0.6%
TTM1.0%5Y1.5%-0.5%
5Y1.5%10Y1.7%-0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8%1.4%-0.6%
TTM1.0%2.5%-1.5%
YOY1.6%2.7%-1.1%
5Y1.5%2.5%-1.0%
10Y1.7%2.8%-1.1%

1.2. Operating Efficiency of Rhinebeck Bancorp Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Rhinebeck Bancorp Inc is operating .

  • Measures how much profit Rhinebeck Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Rhinebeck Bancorp Inc to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Rhinebeck Bancorp Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM20.6%-20.6%
TTM20.6%YOY30.2%-9.6%
TTM20.6%5Y23.7%-3.1%
5Y23.7%10Y21.9%+1.9%
1.2.2. Operating Ratio

Measures how efficient Rhinebeck Bancorp Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.18 means that the operating costs are $0.18 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Rhinebeck Bancorp Inc:

  • The MRQ is 0.183. The company is very efficient in keeping operating costs low. +2
  • The TTM is -0.366.
Trends
Current periodCompared to+/- 
MRQ0.183TTM-0.366+0.549
TTM-0.366YOY-0.345-0.021
TTM-0.3665Y-0.091-0.275
5Y-0.09110Y-0.187+0.096

1.3. Liquidity of Rhinebeck Bancorp Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Rhinebeck Bancorp Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.11 means the company has $0.11 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Rhinebeck Bancorp Inc:

  • The MRQ is 0.107. The company is unable to pay all its short-term debts. -2
  • The TTM is 1.476. The company is just able to pay all its short-term debts.
Trends
Current periodCompared to+/- 
MRQ0.107TTM1.476-1.369
TTM1.476YOY0.555+0.921
TTM1.4765Y14.744-13.268
5Y14.74410Y12.079+2.665
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM1.4760.124+1.352
YOY0.5550.225+0.330
5Y14.7440.219+14.525
10Y12.0790.131+11.948
1.3.2. Quick Ratio

Measures if Rhinebeck Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Rhinebeck Bancorp Inc to the Banks - Regional industry mean.
  • A Quick Ratio of -0.06 means the company can pay off $-0.06 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Rhinebeck Bancorp Inc:

  • The MRQ is -0.057. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is 2.760. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ-0.057TTM2.760-2.817
TTM2.760YOY0.536+2.224
TTM2.7605Y24.493-21.733
5Y24.49310Y20.061+4.433

1.4. Solvency of Rhinebeck Bancorp Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Rhinebeck Bancorp Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Rhinebeck Bancorp Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.91 means that Rhinebeck Bancorp Inc assets are financed with 91.3% credit (debt) and the remaining percentage (100% - 91.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Rhinebeck Bancorp Inc:

  • The MRQ is 0.913. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.288. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.913TTM0.288+0.626
TTM0.288YOY0.469-0.181
TTM0.2885Y0.184+0.104
5Y0.18410Y0.280-0.096
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9130.915-0.002
TTM0.2880.917-0.629
YOY0.4690.919-0.450
5Y0.1840.919-0.735
10Y0.2800.927-0.647
1.4.2. Debt to Equity Ratio

Measures if Rhinebeck Bancorp Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Rhinebeck Bancorp Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,055.1% means that company has $10.55 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Rhinebeck Bancorp Inc:

  • The MRQ is 10.551. The company is unable to pay all its debts with equity. -1
  • The TTM is 3.367. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ10.551TTM3.367+7.184
TTM3.367YOY5.723-2.356
TTM3.3675Y2.117+1.250
5Y2.11710Y3.629-1.512
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ10.55110.829-0.278
TTM3.36711.013-7.646
YOY5.72311.363-5.640
5Y2.11711.437-9.320
10Y3.62913.038-9.409

2. Market Valuation of Rhinebeck Bancorp Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Rhinebeck Bancorp Inc generates.

  • Above 15 is considered overpriced but always compare Rhinebeck Bancorp Inc to the Banks - Regional industry mean.
  • A PE ratio of 23.96 means the investor is paying $23.96 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Rhinebeck Bancorp Inc:

  • The EOD is 24.965. Based on the earnings, the company is fair priced.
  • The MRQ is 23.961. Based on the earnings, the company is fair priced.
  • The TTM is 19.671. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD24.965MRQ23.961+1.005
MRQ23.961TTM19.671+4.290
TTM19.671YOY17.585+2.086
TTM19.6715Y16.972+2.698
5Y16.97210Y12.572+4.400
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD24.9657.398+17.567
MRQ23.9616.680+17.281
TTM19.6715.295+14.376
YOY17.5856.943+10.642
5Y16.9729.770+7.202
10Y12.5729.943+2.629
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Rhinebeck Bancorp Inc:

  • The EOD is 552.806. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is 530.562. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is 140.336. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD552.806MRQ530.562+22.244
MRQ530.562TTM140.336+390.226
TTM140.336YOY0.359+139.977
TTM140.3365Y30.236+110.101
5Y30.23610Y22.397+7.839
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD552.806-2.069+554.875
MRQ530.562-1.868+532.430
TTM140.336-0.342+140.678
YOY0.3596.448-6.089
5Y30.2360.429+29.807
10Y22.3970.091+22.306
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Rhinebeck Bancorp Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.78 means the investor is paying $0.78 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Rhinebeck Bancorp Inc:

  • The EOD is 0.817. Based on the equity, the company is cheap. +2
  • The MRQ is 0.784. Based on the equity, the company is cheap. +2
  • The TTM is 0.244. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.817MRQ0.784+0.033
MRQ0.784TTM0.244+0.540
TTM0.244YOY0.528-0.285
TTM0.2445Y0.218+0.025
5Y0.21810Y0.162+0.057
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.8170.427+0.390
MRQ0.7840.386+0.398
TTM0.2440.470-0.226
YOY0.5280.642-0.114
5Y0.2180.795-0.577
10Y0.1621.025-0.863
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Rhinebeck Bancorp Inc.

3.1. Institutions holding Rhinebeck Bancorp Inc

Institutions are holding 14.366% of the shares of Rhinebeck Bancorp Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31M3F, Inc.9.51332.6925105336910182210.7007
2023-12-31AllianceBernstein L.P.1.60520.000617773900
2023-12-31Vanguard Group Inc0.9295010291869021203.6198
2023-12-31Bridgeway Capital Management, LLC0.64140.01237102336485.4145
2023-12-31Empowered Funds, LLC0.37050.00834102336489.7605
2023-12-31BHZ Capital Management, LP.0.26360.124329189798837.6775
2023-12-31Geode Capital Management, LLC0.262302904000
2023-12-31Dimensional Fund Advisors, Inc.0.1642018185455233.3896
2023-12-31John G Ullman & Associates Inc0.14630.020716200-34900-68.2975
2023-12-31Grace & White Inc0.13240.020714664-661-4.3132
2023-12-31Fort Hoosac Management, LLC0.11310.114712521-3500-21.8463
2023-12-31BlackRock Inc0.0933010334-124-1.1857
2023-12-31Focused Wealth Strategies, INC.0.09030.01321000000
2023-12-31UBS Group AG0.02260250000
2023-12-31Tower Research Capital LLC0.01070.00011184956419.2982
2023-12-31Royal Bank of Canada0.0008092920
2023-12-31Wells Fargo & Co0.000303426.25
2023-12-31Bank of America Corp00440
2023-12-31EJF Capital LLC000-171217-100
2023-09-30Millennium Management LLC000-11415-100
Total 14.35983.00741590019-30084-1.9%

3.2. Funds holding Rhinebeck Bancorp Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-02-29Vanguard Total Stock Mkt Idx Inv1.25720.0001139200119100592.5373
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr0.90940.000810069900
2024-02-29EA Bridgeway Omni Small-Cap Value ETF0.39090.031743284950.22
2023-12-31Bridgeway Omni Small-Cap Value0.27090.01883000000
2023-12-31Bridgeway Omni Small-Cap Value N0.27090.01893000000
2024-01-31Fidelity Extended Market Index0.18850.00052086900
2024-02-29iShares Micro-Cap ETF0.08580.0088949600
2024-01-31Spartan Total Market Index Pool E0.05450.0002603000
2024-01-31DFA US Core Equity 2 I0.04180.0001462600
2024-02-29Dimensional US Core Equity 2 ETF0.04170.0002461300
2024-01-31DFA US Core Equity 1 I0.03750.0001415100
2023-12-31NT Ext Equity Mkt Idx Fd - L0.03460.0005382800
2023-12-31Northern Trust Extended Eq Market Idx0.03460.0005382800
2024-02-29Vanguard U.S. Eq Idx £ Acc0.020.0001221900
2024-01-31DFA US Vector Equity I0.01970.0004217900
2024-01-31Fidelity Series Total Market Index0.0184020361272166.4921
2024-01-31DFA US Social Core Equity 2 Portfolio0.00990.0006110000
2023-12-31DFA US Vector Equity Class F0.00720.000580000
2024-01-31Fidelity Total Market Index0.0066072600
2024-01-311290 VT Micro Cap K0.00640.004571400
Total 3.70650.0873410398+120467+29.4%

3.3. Insider Transactions

Insiders are holding 59.797% of the shares of Rhinebeck Bancorp Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2023-12-05Jamie J BloomSELL22346.37
2023-11-30Louis Jr. TumoloBUY20006.33

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Rhinebeck Bancorp Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---100.1500.125-79979%-25.957-74%0.246-40863%0.380-26437%
Book Value Per Share--10.26785.828-88%61.846-83%85.416-88%71.457-86%
Current Ratio--0.1071.476-93%0.555-81%14.744-99%12.079-99%
Debt To Asset Ratio--0.9130.288+218%0.469+95%0.184+397%0.280+227%
Debt To Equity Ratio--10.5513.367+213%5.723+84%2.117+398%3.629+191%
Dividend Per Share----0%-0%0.066-100%0.049-100%
Eps--0.0840.099-15%0.158-47%0.157-47%0.145-42%
Free Cash Flow Per Share--0.0040.149-97%0.308-99%0.205-98%0.190-98%
Free Cash Flow To Equity Per Share--0.004-0.395+10501%1.846-100%1.889-100%2.107-100%
Gross Profit Margin--1.0000.916+9%0.872+15%0.903+11%0.898+11%
Intrinsic Value_10Y_max---34.892--------
Intrinsic Value_10Y_min---28.671--------
Intrinsic Value_1Y_max--0.167--------
Intrinsic Value_1Y_min--0.166--------
Intrinsic Value_3Y_max---2.290--------
Intrinsic Value_3Y_min---2.130--------
Intrinsic Value_5Y_max---8.114--------
Intrinsic Value_5Y_min---7.291--------
Market Cap92871432.500+4%89134430.00080835516.300+10%105937100.500-16%101421427.501-12%75126983.334+19%
Net Profit Margin--0.0550.092-41%0.145-62%0.154-64%0.139-61%
Operating Margin---0.206-100%0.302-100%0.237-100%0.219-100%
Operating Ratio--0.183-0.366+300%-0.345+288%-0.091+150%-0.187+202%
Pb Ratio0.817+4%0.7840.244+222%0.528+48%0.218+259%0.162+385%
Pe Ratio24.965+4%23.96119.671+22%17.585+36%16.972+41%12.572+91%
Price Per Share8.388+4%8.0507.301+10%9.568-16%9.160-12%6.785+19%
Price To Free Cash Flow Ratio552.806+4%530.562140.336+278%0.359+147504%30.236+1655%22.397+2269%
Price To Total Gains Ratio-0.084-4%-0.080-7.708+9490%37.139-100%15.027-101%15.027-101%
Quick Ratio---0.0572.760-102%0.536-111%24.493-100%20.061-100%
Return On Assets--0.0010.001-14%0.001-48%0.001-52%0.002-53%
Return On Equity--0.0080.010-19%0.016-48%0.015-46%0.017-52%
Total Gains Per Share---100.1500.125-79979%-25.957-74%0.312-32195%0.429-23422%
Usd Book Value--113685000.000950341750.000-88%684796000.000-83%945790950.000-88%791220803.689-86%
Usd Book Value Change Per Share---100.1500.125-79979%-25.957-74%0.246-40863%0.380-26437%
Usd Book Value Per Share--10.26785.828-88%61.846-83%85.416-88%71.457-86%
Usd Dividend Per Share----0%-0%0.066-100%0.049-100%
Usd Eps--0.0840.099-15%0.158-47%0.157-47%0.145-42%
Usd Free Cash Flow--42000.0001648000.000-97%3415750.000-99%2275350.000-98%2107407.407-98%
Usd Free Cash Flow Per Share--0.0040.149-97%0.308-99%0.205-98%0.190-98%
Usd Free Cash Flow To Equity Per Share--0.004-0.395+10501%1.846-100%1.889-100%2.107-100%
Usd Market Cap92871432.500+4%89134430.00080835516.300+10%105937100.500-16%101421427.501-12%75126983.334+19%
Usd Price Per Share8.388+4%8.0507.301+10%9.568-16%9.160-12%6.785+19%
Usd Profit--930000.0001098750.000-15%1749250.000-47%1741500.000-47%1602444.444-42%
Usd Revenue--16971000.00012534250.000+35%11942500.000+42%11363450.000+49%10251000.000+66%
Usd Total Gains Per Share---100.1500.125-79979%-25.957-74%0.312-32195%0.429-23422%
 EOD+3 -5MRQTTM+8 -26YOY+3 -315Y+3 -3310Y+5 -31

4.2. Fundamental Score

Let's check the fundamental score of Rhinebeck Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1524.965
Price to Book Ratio (EOD)Between0-10.817
Net Profit Margin (MRQ)Greater than00.055
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than1-0.057
Current Ratio (MRQ)Greater than10.107
Debt to Asset Ratio (MRQ)Less than10.913
Debt to Equity Ratio (MRQ)Less than110.551
Return on Equity (MRQ)Greater than0.150.008
Return on Assets (MRQ)Greater than0.050.001
Total3/10 (30.0%)

4.3. Technical Score

Let's check the technical score of Rhinebeck Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5051.324
Ma 20Greater thanMa 508.315
Ma 50Greater thanMa 1008.511
Ma 100Greater thanMa 2007.755
OpenGreater thanClose8.550
Total4/5 (80.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Cash And Cash Equivalents  31,384-4,93326,451-10,75015,701-1,44814,253-28,431-14,178
Long-term Assets Other  -223,659213,780-9,879-867-10,746-646-11,3921,261,1451,249,753
Cash and Short Term Investments  255,043-6,420248,623-26,068222,555-14,050208,505-222,683-14,178



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets1,313,202
Total Liabilities1,199,517
Total Stockholder Equity113,685
 As reported
Total Liabilities 1,199,517
Total Stockholder Equity+ 113,685
Total Assets = 1,313,202

Assets

Total Assets1,313,202
Total Current Assets26,770
Long-term Assets1,286,432
Total Current Assets
Cash And Cash Equivalents -14,178
Other Current Assets 26,770
Total Current Assets  (as reported)26,770
Total Current Assets  (calculated)12,592
+/- 14,178
Long-term Assets
Property Plant Equipment 17,567
Goodwill 2,235
Long-term Assets Other 1,249,753
Long-term Assets  (as reported)1,286,432
Long-term Assets  (calculated)1,269,555
+/- 16,877

Liabilities & Shareholders' Equity

Total Current Liabilities249,793
Long-term Liabilities949,724
Total Stockholder Equity113,685
Total Current Liabilities
Other Current Liabilities 249,793
Total Current Liabilities  (as reported)249,793
Total Current Liabilities  (calculated)249,793
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)949,724
Long-term Liabilities  (calculated)0
+/- 949,724
Total Stockholder Equity
Common Stock111
Retained Earnings 100,386
Accumulated Other Comprehensive Income -29,498
Other Stockholders Equity 42,686
Total Stockholder Equity (as reported)113,685
Total Stockholder Equity (calculated)113,685
+/-0
Other
Cash and Short Term Investments -14,178
Common Stock Shares Outstanding 10,746
Liabilities and Stockholders Equity 1,313,202
Net Debt 147,397
Net Working Capital -223,023
Short Long Term Debt Total 133,219



Balance Sheet

All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302016-12-31
> Total Assets 
722,557
0
742,103
826,725
789,853
819,707
882,423
884,763
913,084
946,027
973,946
1,007,266
1,128,330
1,112,577
1,128,829
1,197,038
1,210,188
1,262,705
1,281,166
1,281,484
1,292,810
1,292,683
1,335,977
1,351,145
1,337,146
1,315,439
1,313,202
1,313,2021,315,4391,337,1461,351,1451,335,9771,292,6831,292,8101,281,4841,281,1661,262,7051,210,1881,197,0381,128,8291,112,5771,128,3301,007,266973,946946,027913,084884,763882,423819,707789,853826,725742,1030722,557
   > Total Current Assets 
0
0
125,911
16,743
117,460
117,401
154,425
127,616
126,241
136,854
129,713
140,032
183,388
161,845
200,237
269,133
277,735
358,719
355,740
347,658
288,848
259,784
1,253,666
251,622
225,575
211,968
26,770
26,770211,968225,575251,6221,253,666259,784288,848347,658355,740358,719277,735269,133200,237161,845183,388140,032129,713136,854126,241127,616154,425117,401117,46016,743125,91100
       Cash And Cash Equivalents 
0
0
10,460
12,987
12,408
12,596
50,590
15,439
11,969
18,356
11,978
21,796
74,574
51,581
93,485
89,833
71,930
114,587
72,091
67,365
39,922
28,110
31,384
26,451
15,701
14,253
-14,178
-14,17814,25315,70126,45131,38428,11039,92267,36572,091114,58771,93089,83393,48551,58174,57421,79611,97818,35611,96915,43950,59012,59612,40812,98710,46000
       Short-term Investments 
0
0
113,302
0
103,256
102,387
101,312
109,395
111,398
115,705
114,832
115,134
105,138
106,367
102,933
175,460
201,938
240,389
280,283
277,037
245,628
229,030
223,659
222,172
206,854
194,252
0
0194,252206,854222,172223,659229,030245,628277,037280,283240,389201,938175,460102,933106,367105,138115,134114,832115,705111,398109,395101,312102,387103,2560113,30200
       Net Receivables 
0
0
2,149
0
1,796
2,418
2,523
2,782
2,874
2,793
2,903
3,102
3,676
3,897
3,819
3,840
3,867
3,743
3,366
3,256
3,298
2,644
4,255
2,999
3,020
3,463
0
03,4633,0202,9994,2552,6443,2983,2563,3663,7433,8673,8403,8193,8973,6763,1022,9032,7932,8742,7822,5232,4181,79602,14900
       Other Current Assets 
0
0
482,120
1,880
548,974
581,622
607,952
629,114
656,927
673,235
709,412
731,956
819,552
823,861
805,211
730,762
708,622
641,738
623,292
3,256
927,188
30,777
994,368
39,211
57,054
30,345
26,770
26,77030,34557,05439,211994,36830,777927,1883,256623,292641,738708,622730,762805,211823,861819,552731,956709,412673,235656,927629,114607,952581,622548,9741,880482,12000
   > Long-term Assets 
0
0
134,072
0
123,419
120,684
120,046
128,033
129,916
135,938
134,821
135,278
125,390
126,872
123,381
197,143
223,831
262,248
302,134
299,060
267,312
250,481
31,422
243,134
227,575
214,775
1,286,432
1,286,432214,775227,575243,13431,422250,481267,312299,060302,134262,248223,831197,143123,381126,872125,390135,278134,821135,938129,916128,033120,046120,684123,4190134,07200
       Property Plant Equipment 
18,218
0
17,025
17,580
16,796
16,593
17,040
16,955
16,846
18,571
18,338
18,504
18,622
18,886
18,839
18,933
19,171
19,164
19,183
19,382
19,067
18,858
18,722
18,417
18,197
18,021
17,567
17,56718,02118,19718,41718,72218,85819,06719,38219,18319,16419,17118,93318,83918,88618,62218,50418,33818,57116,84616,95517,04016,59316,79617,58017,025018,218
       Goodwill 
2,781
0
1,505
1,476
1,410
1,410
1,410
1,410
1,410
1,410
1,410
1,410
1,410
1,410
1,410
2,235
2,235
2,235
2,235
2,235
2,235
2,235
2,235
2,235
2,235
2,235
2,235
2,2352,2352,2352,2352,2352,2352,2352,2352,2352,2352,2352,2351,4101,4101,4101,4101,4101,4101,4101,4101,4101,4101,4101,4761,50502,781
       Long Term Investments 
0
0
0
112,313
107,304
756,179
779,714
109,395
111,398
115,705
114,832
115,134
105,138
996,862
102,933
1,044,197
201,938
240,389
280,283
277,037
245,628
229,030
223,659
222,172
206,854
194,252
0
0194,252206,854222,172223,659229,030245,628277,037280,283240,389201,9381,044,197102,933996,862105,138115,134114,832115,705111,398109,395779,714756,179107,304112,313000
       Intangible Assets 
3,508
0
326
2,683
305
294
284
273
262
252
241
230
220
209
199
515
487
460
433
406
382
358
334
310
289
267
0
02672893103343583824064334604875151992092202302412522622732842943052,68332603,508
       Earning Assets 
0
0
0
0
0
0
0
113,314
114,753
118,313
118,267
119,169
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000119,169118,267118,313114,753113,3140000000
       Long-term Assets Other 
0
0
-134,072
0
-123,419
-120,684
-120,046
-128,033
-129,916
-135,938
-134,821
-135,278
-125,390
-126,872
-123,381
-197,143
-223,831
-262,248
-302,134
-299,060
-267,312
-10,256
-223,659
-9,879
-10,746
-11,392
1,249,753
1,249,753-11,392-10,746-9,879-223,659-10,256-267,312-299,060-302,134-262,248-223,831-197,143-123,381-126,872-125,390-135,278-134,821-135,938-129,916-128,033-120,046-120,684-123,4190-134,07200
> Total Liabilities 
670,040
0
20,055
768,570
48,155
58,776
823,146
82,000
69,696
53,091
71,459
84,800
76,251
60,012
55,829
41,623
27,394
25,300
23,196
21,083
28,961
1,185,881
1,227,845
111,605
111,605
92,838
1,199,517
1,199,51792,838111,605111,6051,227,8451,185,88128,96121,08323,19625,30027,39441,62355,82960,01276,25184,80071,45953,09169,69682,000823,14658,77648,155768,57020,0550670,040
   > Total Current Liabilities 
0
0
0
736,724
703,866
700,397
5,000
776,823
-4,369
832,617
858,909
888,214
1,009,495
5,155
5,166
5,155
5,155
5,155
5,155
1,135,351
1,137,912
799,055
940,316
961,734
961,160
40,000
249,793
249,79340,000961,160961,734940,316799,0551,137,9121,135,3515,1555,1555,1555,1555,1665,1551,009,495888,214858,909832,617-4,369776,8235,000700,397703,866736,724000
       Short-term Debt 
0
0
0
18,840
18,000
0
5,000
5,000
-4,369
0
0
0
0
5,155
5,166
5,155
5,155
5,155
5,155
0
0
213
52,034
80,571
60,380
40,000
0
040,00060,38080,57152,034213005,1555,1555,1555,1555,1665,1550000-4,3695,0005,000018,00018,840000
       Short Long Term Debt 
0
0
0
18,840
18,000
0
23,726
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
40,000
0
040,00000000000000000000023,726018,00018,840000
       Accounts payable 
639,675
0
650,105
697,193
666,098
8,679
10,108
684,024
716,858
769,985
773,343
784,655
910,039
17,150
929,364
21,243
1,027,191
1,087,387
1,101,999
1,112,620
1,112,429
1,110,192
25,302
26,870
27,158
0
0
0027,15826,87025,3021,110,1921,112,4291,112,6201,101,9991,087,3871,027,19121,243929,36417,150910,039784,655773,343769,985716,858684,02410,1088,679666,098697,193650,1050639,675
       Other Current Liabilities 
0
0
0
0
0
691,718
-5,000
684,024
716,858
769,985
773,343
784,655
910,039
5,155
929,364
5,155
5,155
1,087,387
1,101,999
1,112,620
1,112,429
798,842
888,282
881,163
900,780
-40,000
249,793
249,793-40,000900,780881,163888,282798,8421,112,4291,112,6201,101,9991,087,3875,1555,155929,3645,155910,039784,655773,343769,985716,858684,024-5,000691,71800000
   > Long-term Liabilities 
0
0
20,055
0
48,155
58,776
36,753
82,000
69,696
53,091
71,459
84,800
76,251
60,012
55,829
41,623
27,394
25,300
23,196
21,083
28,961
1,185,881
1,227,845
111,605
111,605
92,838
949,724
949,72492,838111,605111,6051,227,8451,185,88128,96121,08323,19625,30027,39441,62355,82960,01276,25184,80071,45953,09169,69682,00036,75358,77648,155020,05500
       Long term Debt Total 
0
0
0
0
0
5,155
10,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
0
0
005,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,15510,1555,15500000
       Capital Lease Obligations Min Short Term Debt
0
0
0
-18,840
-18,000
0
-5,000
-5,000
4,369
0
0
0
0
-5,155
-5,166
-5,155
-5,155
-5,155
-5,155
0
0
-213
-52,034
-80,571
-60,380
-40,000
0
0-40,000-60,380-80,571-52,034-21300-5,155-5,155-5,155-5,155-5,166-5,15500004,369-5,000-5,0000-18,000-18,840000
       Long-term Liabilities Other 
0
0
0
0
0
57,142
39,323
83,156
74,941
51,629
74,410
86,708
82,462
58,888
59,168
43,748
34,048
24,409
27,171
23,685
36,402
43,436
67,455
115,120
119,914
0
0
00119,914115,12067,45543,43636,40223,68527,17124,40934,04843,74859,16858,88882,46286,70874,41051,62974,94183,15639,32357,14200000
> Total Stockholder Equity
52,517
0
54,977
54,977
55,561
57,013
59,277
102,785
105,557
108,255
109,882
113,897
113,680
115,190
116,499
118,856
121,862
124,204
125,969
117,293
113,341
106,802
108,132
110,717
107,463
106,672
113,685
113,685106,672107,463110,717108,132106,802113,341117,293125,969124,204121,862118,856116,499115,190113,680113,897109,882108,255105,557102,78559,27757,01355,56154,97754,977052,517
   Common Stock
0
0
0
0
0
0
0
111
111
111
111
111
111
111
111
111
111
112
113
113
113
113
113
113
111
111
111
1111111111131131131131131131121111111111111111111111111111110000000
   Retained Earnings 
52,417
0
61,832
65,969
63,027
64,991
66,190
112,975
68,321
70,412
72,152
73,227
74,575
75,725
78,069
81,390
83,955
86,640
89,627
91,680
93,709
95,816
96,624
96,789
98,220
99,456
100,386
100,38699,45698,22096,78996,62495,81693,70991,68089,62786,64083,95581,39078,06975,72574,57573,22772,15270,41268,321112,97566,19064,99163,02765,96961,832052,417
   Capital Surplus 
0
0
0
0
0
100
100
-21
45,844
45,865
45,869
45,869
45,852
45,895
46,038
46,188
46,346
46,468
46,573
46,729
46,881
46,922
47,075
47,220
45,976
0
0
0045,97647,22047,07546,92246,88146,72946,57346,46846,34646,18846,03845,89545,85245,86945,86945,86545,844-2110010000000
   Treasury Stock000000000000000000000000000
   Other Stockholders Equity 
0
0
100
-7,919
100
100
100
-4,385
41,480
41,665
41,723
41,778
41,815
41,913
42,110
42,315
42,527
42,704
42,864
43,074
43,280
43,376
43,584
43,783
42,594
42,648
42,686
42,68642,64842,59443,78343,58443,37643,28043,07442,86442,70442,52742,31542,11041,91341,81541,77841,72341,66541,480-4,385100100100-7,91910000



Balance Sheet

All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue66,390
Cost of Revenue-0
Gross Profit66,39066,390
 
Operating Income (+$)
Gross Profit66,390
Operating Expense-12,336
Operating Income054,054
 
Operating Expense (+$)
Research Development0
Selling General Administrative23,717
Selling And Marketing Expenses0
Operating Expense12,33623,717
 
Net Interest Income (+$)
Interest Income58,401
Interest Expense-5,077
Other Finance Cost-14,744
Net Interest Income38,580
 
Pretax Income (+$)
Operating Income0
Net Interest Income38,580
Other Non-Operating Income Expenses0
Income Before Tax (EBT)5,614-5,614
EBIT - interestExpense = -5,077
5,614
9,472
Interest Expense5,077
Earnings Before Interest and Taxes (EBIT)010,691
Earnings Before Interest and Taxes (EBITDA)88
 
After tax Income (+$)
Income Before Tax5,614
Tax Provision-1,306
Net Income From Continuing Ops4,2734,308
Net Income4,395
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses60,447
Total Other Income/Expenses Net5,614-38,580
 

Technical Analysis of Rhinebeck Bancorp Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Rhinebeck Bancorp Inc. The general trend of Rhinebeck Bancorp Inc is BULLISH with 42.9% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Rhinebeck Bancorp Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (42.9%) Bearish trend (-42.9%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Rhinebeck Bancorp Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 8.94 < 9.125 < 9.15.

The bearish price targets are: 7.93 > 7.57 > 7.25.

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Rhinebeck Bancorp Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Rhinebeck Bancorp Inc. The current mas is .

The long score for the Moving Averages is 10/14.
The longshort score for the Moving Averages is 6/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Rhinebeck Bancorp Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Rhinebeck Bancorp Inc. The current macd is -0.06332185.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Rhinebeck Bancorp Inc price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Rhinebeck Bancorp Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Rhinebeck Bancorp Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Rhinebeck Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) ChartRhinebeck Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Rhinebeck Bancorp Inc. The current adx is 19.62.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Rhinebeck Bancorp Inc shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Rhinebeck Bancorp Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Rhinebeck Bancorp Inc. The current sar is 8.6485.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Rhinebeck Bancorp Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Rhinebeck Bancorp Inc. The current rsi is 51.32. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
Rhinebeck Bancorp Inc Daily Relative Strength Index (RSI) ChartRhinebeck Bancorp Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Rhinebeck Bancorp Inc. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Rhinebeck Bancorp Inc price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Rhinebeck Bancorp Inc Daily Stochastic Oscillator ChartRhinebeck Bancorp Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Rhinebeck Bancorp Inc. The current cci is 57.65.

Rhinebeck Bancorp Inc Daily Commodity Channel Index (CCI) ChartRhinebeck Bancorp Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Rhinebeck Bancorp Inc. The current cmo is 7.74251712.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Rhinebeck Bancorp Inc Daily Chande Momentum Oscillator (CMO) ChartRhinebeck Bancorp Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Rhinebeck Bancorp Inc. The current willr is -29.04841402.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Rhinebeck Bancorp Inc is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Rhinebeck Bancorp Inc Daily Williams %R ChartRhinebeck Bancorp Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Rhinebeck Bancorp Inc.

Rhinebeck Bancorp Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Rhinebeck Bancorp Inc. The current atr is 0.25465102.

Rhinebeck Bancorp Inc Daily Average True Range (ATR) ChartRhinebeck Bancorp Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Rhinebeck Bancorp Inc. The current obv is 93,803.

Rhinebeck Bancorp Inc Daily On-Balance Volume (OBV) ChartRhinebeck Bancorp Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Rhinebeck Bancorp Inc. The current mfi is 44.50.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Rhinebeck Bancorp Inc Daily Money Flow Index (MFI) ChartRhinebeck Bancorp Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Rhinebeck Bancorp Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-06MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-10DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-14STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-15DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2023-11-17MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-11-21STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-27STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-28STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-29MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-11-30CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2023-12-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-04MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-05DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2023-12-07MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-11STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-12CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-18STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-19SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-12-20STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-27MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-28STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-03STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-09MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-10STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-16MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-18STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-19MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-22SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-23CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-25STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-30SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-31RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-02STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-05STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-06MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-02-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-08MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-09MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-02-12CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-13MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-23DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-26DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-02-27WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-29MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-03-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-03-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-11STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-12DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-13CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-14STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-15STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-18WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-19BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-21STOCH LONG EXITThe %K line crosses below the %D line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-22STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-25DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-03-27MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.

6.3. Candlestick Patterns

Rhinebeck Bancorp Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Rhinebeck Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5051.324
Ma 20Greater thanMa 508.315
Ma 50Greater thanMa 1008.511
Ma 100Greater thanMa 2007.755
OpenGreater thanClose8.550
Total4/5 (80.0%)
Penke

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