Rhinebeck BancorpRBKB +1.16%56 FCF Margin % is 22.78% as of Mar. 2026, which is 7% above its 10-year median of 21.20. 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 1,505 Banks companies, Rhinebeck Bancorp ranks worse than 60.33% on this metric.
The historical rank and industry rank for Rhinebeck Bancorp's FCF Margin % or its related term are showing as below:
RBKB'
s FCF Margin % Range Over the Past 10 Years
Min: 12.55 Med: 21.2 Max: 29.06
Current: 18
During the past 10 years, the highest FCF Margin % of Rhinebeck Bancorp was 29.06%. The lowest was 12.55%. And the median was 21.20%.
RBKB's FCF Margin % is ranked worse than 60.33% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs RBKB: 18.00
Rhinebeck Bancorp FCF Margin % Related Terms
Rhinebeck Bancorp FCF Margin % Historical Data
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The historical data trend for Rhinebeck Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Rhinebeck Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Rhinebeck Bancorp's FCF Margin % 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 FCF Margin % of 22.78% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Rhinebeck Bancorp and its competitors. This is near median its historical median of 21.20. Over the past decade, Rhinebeck Bancorp's FCF Margin % has ranged from 12.55 to 29.06. According to the industry distribution chart, Rhinebeck Bancorp ranks #908 out of 1505 companies in the Banks industry, placing it in the top 60.3%.
Is Rhinebeck Bancorp's FCF Margin % too high?
Rhinebeck Bancorp's current FCF Margin % of 22.78% is near median its 10-year median of 21.20. Over the past 10 years, this metric has ranged from a low of 12.55 to a high of 29.06. The Banks industry median FCF Margin % is 26.55. Rhinebeck Bancorp's value of 22.78% is 14.2% below this industry median. Based on the distribution chart, Rhinebeck Bancorp ranks #908 out of 1505 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to BCBP and PLQC?
According to the Banks industry distribution chart, Rhinebeck Bancorp ranks #908 out of 1505 companies for FCF Margin %. This places Rhinebeck Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.55. Rhinebeck Bancorp's value of 22.78% is 14.2% below this benchmark. Historically, Rhinebeck Bancorp's own FCF Margin % has ranged from 12.55 to 29.06 over the past decade. While the company's 10-year median is 21.20 vs. the industry median of 26.55, Rhinebeck Bancorp has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rhinebeck Bancorp's current FCF Margin % of 22.78% is 14.2% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Rhinebeck Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rhinebeck Bancorp's current FCF Margin % is 22.78%, which is near median its own 10-year median of 21.20. 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 FCF Margin % is 22.78%, which is near median its 10-year median of 21.20 and 14.2% below the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Rhinebeck Bancorp (RBKB), the current FCF Margin % is 22.78% as of Mar. 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:
FCF Margin %: 22.78% (near median its 10-year median of 21.20)
GF Value™: $11.84 vs. price of $17.40 (47% above fair value)
Industry Position: 14.2% below the Banks median (#908 of 1505)
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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