Rhinebeck BancorpRBKB +1.16%56 EV-to-FCF is 19.07 as of Jun. 27, 2026, which is 46% above its 10-year median of 13.02. GuruFocus rates RBKB with a GF Score™ of 56/100 and a GF Value™ of $11.84 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,195 Banks companies, Rhinebeck Bancorp ranks worse than 81.84% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Rhinebeck Bancorp's Enterprise Value is $182.68 Mil.
Rhinebeck Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $9.58 Mil. Therefore, Rhinebeck Bancorp's EV-to-FCF for today is 19.07.
The historical rank and industry rank for Rhinebeck Bancorp's EV-to-FCF or its related term are showing as below:
RBKB'
s EV-to-FCF Range Over the Past 10 Years
Min: -582.67 Med: 13.02 Max: 112.13
Current: 19.07
During the past 10 years, the highest EV-to-FCF of Rhinebeck Bancorp was 112.13. The lowest was -582.67. And the median was 13.02.
RBKB's EV-to-FCF is ranked worse than 81.84% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs RBKB: 19.07
EV-to-FCF 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-FCF 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 $17.40.
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 $0.910.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Rhinebeck Bancorp EV-to-FCF Related Terms
Rhinebeck Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Rhinebeck Bancorp's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Rhinebeck Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Rhinebeck Bancorp's EV-to-FCF falls into.
Rhinebeck Bancorp's current Enterprise Value is $182.68 Mil.
Rhinebeck Bancorp's Free Cash Flow 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 $9.58 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-FCF of 19.07 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Rhinebeck Bancorp and its competitors. This is 46% above median its historical median of 13.02. According to the industry distribution chart, Rhinebeck Bancorp ranks #978 out of 1195 companies in the Banks industry, placing it in the top 81.8%.
Is Rhinebeck Bancorp's EV-to-FCF too high?
Rhinebeck Bancorp's current EV-to-FCF of 19.07 is 46% above median its 10-year median of 13.02. The Banks industry median EV-to-FCF is 6.52. Rhinebeck Bancorp's value of 19.07 is 192.5% above this industry median. Based on the distribution chart, Rhinebeck Bancorp ranks #978 out of 1195 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Rhinebeck Bancorp has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Rhinebeck Bancorp's EV-to-FCF compare to BCBP and PLQC?
According to the Banks industry distribution chart, Rhinebeck Bancorp ranks #978 out of 1195 companies for EV-to-FCF. This places Rhinebeck Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.52. Rhinebeck Bancorp's value of 19.07 is 192.5% above this benchmark. While the company's 10-year median is 13.02 vs. the industry median of 6.52, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rhinebeck Bancorp's current EV-to-FCF of 19.07 is 192.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Rhinebeck Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rhinebeck Bancorp's current EV-to-FCF is 19.07, which is 46% above median its own 10-year median of 13.02. 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 Significantly Overvalued. The stock's GF Value™ is $11.84, compared to a current price of $17.40 — trading 47% above its estimated fair value. The current EV-to-FCF is 19.07, which is 46% above median its 10-year median of 13.02 and 192.5% above the Banks industry median of 6.52. Rhinebeck Bancorp's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Rhinebeck Bancorp (RBKB), the current EV-to-FCF is 19.07 as of Jun. 27, 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 $17.40 is trading 47% above its estimated GF Value™ of $11.84.
GuruFocus considers Rhinebeck Bancorp to be Significantly Overvalued.
Key valuation signals for RBKB:
EV-to-FCF: 19.07 (46% above median its 10-year median of 13.02)
GF Value™: $11.84 vs. price of $17.40 (47% above fair value)
Industry Position: 192.5% above the Banks median (#978 of 1195)
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.
56GF Score
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