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Rhinebeck BancorpRBKB -1.17%55 Cash-to-Debt is 2.39 as of Jun. 2026, which is 360% above its 10-year median of 0.52. GuruFocus rates RBKB with a GF Score™ of 55/100 and a GF Value™ of $13.79 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,486 Banks companies, Rhinebeck Bancorp ranks better than 62.85% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Rhinebeck Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 2.39.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Rhinebeck Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Rhinebeck Bancorp's Cash-to-Debt or its related term are showing as below:
RBKB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11 Med: 0.52 Max: 4.53
Current: 2.39
During the past 10 years, Rhinebeck Bancorp's highest Cash to Debt Ratio was 4.53. The lowest was 0.11. And the median was 0.52.
RBKB's Cash-to-Debt is ranked better than 62.85% of 1486
companies
in the Banks industry
Industry Median: 1.4
vs RBKB: 2.39
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Rhinebeck Bancorp Cash-to-Debt Related Terms
Rhinebeck Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Rhinebeck Bancorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Rhinebeck Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Rhinebeck Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Rhinebeck Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Rhinebeck Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Rhinebeck Bancorp (RBKB) has a Cash-to-Debt of 2.39 as of Jun. 2026. This is 360% above median its historical median of 0.52. Over the past decade, Rhinebeck Bancorp's Cash-to-Debt has ranged from 0.11 to 4.53. According to the industry distribution chart, Rhinebeck Bancorp ranks #552 out of 1486 companies in the Banks industry, placing it in the top 37.1%.
Is Rhinebeck Bancorp's Cash-to-Debt too high?
Rhinebeck Bancorp's current Cash-to-Debt of 2.39 is 360% above median its 10-year median of 0.52. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 4.53. The Banks industry median Cash-to-Debt is 1.40. Rhinebeck Bancorp's value of 2.39 is 70.7% above this industry median. Based on the distribution chart, Rhinebeck Bancorp ranks #552 out of 1486 companies in the Banks industry, which is above the industry midpoint. Overall, Rhinebeck Bancorp has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Rhinebeck Bancorp's Cash-to-Debt compare to FNWD and SABK?
According to the Banks industry distribution chart, Rhinebeck Bancorp ranks #552 out of 1486 companies for Cash-to-Debt. This puts Rhinebeck Bancorp in the upper half of its industry. The industry median Cash-to-Debt is 1.40. Rhinebeck Bancorp's value of 2.39 is 70.7% above this benchmark. Historically, Rhinebeck Bancorp's own Cash-to-Debt has ranged from 0.11 to 4.53 over the past decade. While the company's 10-year median is 0.52 vs. the industry median of 1.40, Rhinebeck Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rhinebeck Bancorp's current Cash-to-Debt of 2.39 is 70.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rhinebeck Bancorp's current Cash-to-Debt is 2.39, which is 360% above median its own 10-year median of 0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rhinebeck Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Rhinebeck Bancorp (RBKB) is currently considered Fairly Valued. The stock's GF Value™ is $13.79, compared to a current price of $12.64 — trading 8.3% below its estimated fair value. The current Cash-to-Debt is 2.39, which is 360% above median its 10-year median of 0.52 and 70.7% above the Banks industry median of 1.40. Rhinebeck Bancorp's overall GF Score™ is 55/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Rhinebeck Bancorp (RBKB), the current Cash-to-Debt is 2.39 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Rhinebeck Bancorp (RBKB) Overvalued in 2026?
Based on GuruFocus' analysis, Rhinebeck Bancorp stock appears to be undervalued.
The current stock price of $12.64 is trading 8.3% below its estimated GF Value™ of $13.79.
GuruFocus considers Rhinebeck Bancorp to be Fairly Valued.
Key valuation signals for RBKB:
Cash-to-Debt: 2.39 (360% above median its 10-year median of 0.52)
GF Value™: $13.79 vs. price of $12.64 (8.3% below fair value)
Industry Position: 70.7% above the Banks median (#552 of 1486)
No single metric tells the full story. See the RBKB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rhinebeck Bancorp Inc is the holding company for Rhinebeck Bank, which is a New York-chartered stock savings bank. It provides a full range of banking and financial services to consumer and commercial customers. Financial services, including investment advisory and financial product sales, are offered through a division of the Bank doing business as Rhinebeck Asset Management. The Bank's primary business activity is accepting deposits from the general public and using those funds together with borrowings, to originate commercial real estate loans (which include multi-family real estate loans and commercial construction loans), commercial business loans and indirect automobile loans, and to purchase one- to four-family residential real estate loans and investment securities.
55GF Score
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