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Rhinebeck BancorpRBKB -0.16%66 EV-to-OCF is 16.52 as of Aug. 11, 2026, which is 19% above its 10-year median of 13.83. GuruFocus rates RBKB with a GF Score™ of 66/100 and a GF Value™ of $11.89 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,499 Banks companies, Rhinebeck Bancorp ranks worse than 84.19% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Rhinebeck Bancorp's Enterprise Value is $180.88 Mil.
Rhinebeck Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $10.95 Mil. Therefore, Rhinebeck Bancorp's EV-to-OCF for today is 16.52.
The historical rank and industry rank for Rhinebeck Bancorp's EV-to-OCF or its related term are showing as below:
RBKB'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.85 Med: 13.83 Max: 417.89
Current: 16.52
During the past 10 years, the highest EV-to-OCF of Rhinebeck Bancorp was 417.89. The lowest was 1.85. And the median was 13.83.
RBKB's EV-to-OCF is ranked worse than 84.19% of 1499
companies
in the Banks industry
Industry Median: 4
vs RBKB: 16.52
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Rhinebeck Bancorp's PE Ratio (TTM) for today is calculated as:
Rhinebeck Bancorp's share price for today is $12.495.
Rhinebeck Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.900.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Rhinebeck Bancorp EV-to-OCF Related Terms
Rhinebeck Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Rhinebeck Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, Rhinebeck Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Rhinebeck Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Rhinebeck Bancorp's EV-to-OCF falls into.
Rhinebeck Bancorp's current Enterprise Value is $180.88 Mil.
Rhinebeck Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $10.95 Mil.
* 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 EV-to-OCF of 16.52 as of Aug. 11, 2026. This is 19% above median its historical median of 13.83. Over the past decade, Rhinebeck Bancorp's EV-to-OCF has ranged from 1.85 to 417.89. According to the industry distribution chart, Rhinebeck Bancorp ranks #1262 out of 1499 companies in the Banks industry, placing it in the top 84.2%.
Is Rhinebeck Bancorp's EV-to-OCF too high?
Rhinebeck Bancorp's current EV-to-OCF of 16.52 is 19% above median its 10-year median of 13.83. Over the past 10 years, this metric has ranged from a low of 1.85 to a high of 417.89. The Banks industry median EV-to-OCF is 4.00. Rhinebeck Bancorp's value of 16.52 is 313% above this industry median. Based on the distribution chart, Rhinebeck Bancorp ranks #1262 out of 1499 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Rhinebeck Bancorp has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Rhinebeck Bancorp's EV-to-OCF compare to FNWD and SABK?
According to the Banks industry distribution chart, Rhinebeck Bancorp ranks #1262 out of 1499 companies for EV-to-OCF. This places Rhinebeck Bancorp in the lower half of its industry. The industry median EV-to-OCF is 4.00. Rhinebeck Bancorp's value of 16.52 is 313% above this benchmark. Historically, Rhinebeck Bancorp's own EV-to-OCF has ranged from 1.85 to 417.89 over the past decade. While the company's 10-year median is 13.83 vs. the industry median of 4.00, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rhinebeck Bancorp's current EV-to-OCF of 16.52 is 313% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rhinebeck Bancorp's current EV-to-OCF is 16.52, which is 19% above median its own 10-year median of 13.83. 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 $11.89, compared to a current price of $12.50 — trading 5.1% above its estimated fair value. The current EV-to-OCF is 16.52, which is 19% above median its 10-year median of 13.83 and 313% above the Banks industry median of 4.00. Rhinebeck Bancorp's overall GF Score™ is 66/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Rhinebeck Bancorp (RBKB), the current EV-to-OCF is 16.52 as of Aug. 11, 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 overvalued.
The current stock price of $12.50 is trading 5.1% above its estimated GF Value™ of $11.89.
GuruFocus considers Rhinebeck Bancorp to be Fairly Valued.
Key valuation signals for RBKB:
EV-to-OCF: 16.52 (19% above median its 10-year median of 13.83)
GF Value™: $11.89 vs. price of $12.50 (5.1% above fair value)
Industry Position: 313% above the Banks median (#1262 of 1499)
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.
66GF Score
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