Rhinebeck BancorpRBKB +1.16%56 OCF Margin % is 27.81% as of Mar. 2026, which is 17% above its 10-year median of 23.68. 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 1,501 Banks companies, Rhinebeck Bancorp ranks worse than 62.49% on this metric.
The historical rank and industry rank for Rhinebeck Bancorp's OCF Margin % or its related term are showing as below:
RBKB'
s OCF Margin % Range Over the Past 10 Years
Min: 16.13 Med: 23.68 Max: 33.24
Current: 20.57
During the past 10 years, the highest OCF Margin % of Rhinebeck Bancorp was 33.24%. The lowest was 16.13%. And the median was 23.68%.
RBKB's OCF Margin % is ranked worse than 62.49% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs RBKB: 20.57
Rhinebeck Bancorp OCF Margin % Related Terms
Rhinebeck Bancorp OCF Margin % Historical Data
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The historical data trend for Rhinebeck Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Rhinebeck Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Rhinebeck Bancorp's OCF 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 OCF Margin % of 27.81% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Rhinebeck Bancorp and its competitors. This is 17% above median its historical median of 23.68. Over the past decade, Rhinebeck Bancorp's OCF Margin % has ranged from 16.13 to 33.24. According to the industry distribution chart, Rhinebeck Bancorp ranks #938 out of 1501 companies in the Banks industry, placing it in the top 62.5%.
Is Rhinebeck Bancorp's OCF Margin % too high?
Rhinebeck Bancorp's current OCF Margin % of 27.81% is 17% above median its 10-year median of 23.68. Over the past 10 years, this metric has ranged from a low of 16.13 to a high of 33.24. The Banks industry median OCF Margin % is 29.44. Rhinebeck Bancorp's value of 27.81% is 5.5% below this industry median. Based on the distribution chart, Rhinebeck Bancorp ranks #938 out of 1501 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 OCF Margin % compare to BCBP and PLQC?
According to the Banks industry distribution chart, Rhinebeck Bancorp ranks #938 out of 1501 companies for OCF Margin %. This places Rhinebeck Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.44. Rhinebeck Bancorp's value of 27.81% is 5.5% below this benchmark. Historically, Rhinebeck Bancorp's own OCF Margin % has ranged from 16.13 to 33.24 over the past decade. While the company's 10-year median is 23.68 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rhinebeck Bancorp's current OCF Margin % of 27.81% is 5.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Rhinebeck Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rhinebeck Bancorp's current OCF Margin % is 27.81%, which is 17% above median its own 10-year median of 23.68. 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 OCF Margin % is 27.81%, which is 17% above median its 10-year median of 23.68 and 5.5% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Rhinebeck Bancorp (RBKB), the current OCF Margin % is 27.81% 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:
OCF Margin %: 27.81% (17% above median its 10-year median of 23.68)
GF Value™: $11.84 vs. price of $17.40 (47% above fair value)
Industry Position: 5.5% below the Banks median (#938 of 1501)
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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