Rhinebeck BancorpRBKB +1.16%56 ROA % is 0.69% as of Mar. 2026, which is 28% above its 10-year median of 0.54. 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 1,529 Banks companies, Rhinebeck Bancorp ranks worse than 63.7% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Rhinebeck Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $8.86 Mil.
Rhinebeck Bancorp's average Total Assets over the quarter that ended in Mar. 2026 was $1,293.32 Mil. Therefore, Rhinebeck Bancorp's annualized ROA % for the quarter that ended in Mar. 2026 was 0.69%.
The historical rank and industry rank for Rhinebeck Bancorp's ROA % or its related term are showing as below:
RBKB'
s ROA % Range Over the Past 10 Years
Min: -0.67 Med: 0.54 Max: 0.96
Current: 0.78
During the past 10 years, Rhinebeck Bancorp's highest ROA % was 0.96%. The lowest was -0.67%. And the median was 0.54%.
RBKB's ROA % is ranked worse than 63.7% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs RBKB: 0.78
Rhinebeck Bancorp (NAS:RBKB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Rhinebeck Bancorp ROA % Related Terms
Rhinebeck Bancorp ROA % Historical Data
* Premium members only.
The historical data trend for Rhinebeck Bancorp's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Rhinebeck Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where Rhinebeck Bancorp's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Rhinebeck Bancorp (RBKB) has a ROA % of 0.69% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Rhinebeck Bancorp and its competitors. This is 28% above median its historical median of 0.54. According to the industry distribution chart, Rhinebeck Bancorp ranks #974 out of 1529 companies in the Banks industry, placing it in the top 63.7%.
Is Rhinebeck Bancorp's ROA % too high?
Rhinebeck Bancorp's current ROA % of 0.69% is 28% above median its 10-year median of 0.54. The Banks industry median ROA % is 0.98. Rhinebeck Bancorp's value of 0.69% is 29.6% below this industry median. Based on the distribution chart, Rhinebeck Bancorp ranks #974 out of 1529 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 ROA % compare to BCBP and PLQC?
According to the Banks industry distribution chart, Rhinebeck Bancorp ranks #974 out of 1529 companies for ROA %. This places Rhinebeck Bancorp in the lower half of its industry. The industry median ROA % is 0.98. Rhinebeck Bancorp's value of 0.69% is 29.6% below this benchmark. While the company's 10-year median is 0.54 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rhinebeck Bancorp's current ROA % of 0.69% is 29.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Rhinebeck Bancorp and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rhinebeck Bancorp's current ROA % is 0.69%, which is 28% above median its own 10-year median of 0.54. 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 ROA % is 0.69%, which is 28% above median its 10-year median of 0.54 and 29.6% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Rhinebeck Bancorp (RBKB), the current ROA % is 0.69% 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:
ROA %: 0.69% (28% above median its 10-year median of 0.54)
GF Value™: $11.84 vs. price of $17.40 (47% above fair value)
Industry Position: 29.6% below the Banks median (#974 of 1529)
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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