Rhinebeck BancorpRBKB +1.16%56 Pretax Margin % is 22.53% as of Mar. 2026, which is 27% above its 10-year median of 17.68. 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 1,527 Banks companies, Rhinebeck Bancorp ranks worse than 74.66% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Rhinebeck Bancorp Pretax Margin % Related Terms
Rhinebeck Bancorp Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Rhinebeck Bancorp's Pretax 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.
RBKB vs BCBP, PLQC, CBFV: Pretax Margin % Comparison
For the Banks - Regional subindustry, Rhinebeck Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Rhinebeck Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Rhinebeck Bancorp's Pretax 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 Pretax Margin % of 22.53% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Rhinebeck Bancorp and its competitors. This is 27% above median its historical median of 17.68. According to the industry distribution chart, Rhinebeck Bancorp ranks #1140 out of 1527 companies in the Banks industry, placing it in the top 74.7%.
Is Rhinebeck Bancorp's Pretax Margin % too high?
Rhinebeck Bancorp's current Pretax Margin % of 22.53% is 27% above median its 10-year median of 17.68. The Banks industry median Pretax Margin % is 34.88. Rhinebeck Bancorp's value of 22.53% is 35.4% below this industry median. Based on the distribution chart, Rhinebeck Bancorp ranks #1140 out of 1527 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 Pretax Margin % compare to BCBP and PLQC?
According to the Banks industry distribution chart, Rhinebeck Bancorp ranks #1140 out of 1527 companies for Pretax Margin %. This places Rhinebeck Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. Rhinebeck Bancorp's value of 22.53% is 35.4% below this benchmark. While the company's 10-year median is 17.68 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rhinebeck Bancorp's current Pretax Margin % of 22.53% is 35.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Rhinebeck Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rhinebeck Bancorp's current Pretax Margin % is 22.53%, which is 27% above median its own 10-year median of 17.68. 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 Pretax Margin % is 22.53%, which is 27% above median its 10-year median of 17.68 and 35.4% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Rhinebeck Bancorp (RBKB), the current Pretax Margin % is 22.53% 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:
Pretax Margin %: 22.53% (27% above median its 10-year median of 17.68)
GF Value™: $11.84 vs. price of $17.40 (47% above fair value)
Industry Position: 35.4% below the Banks median (#1140 of 1527)
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
Get the complete analysis for RBKB
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RBKB has been successfully added to your 
