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Rhinebeck BancorpRBKB -0.24%64 Shiller PE Ratio is 18.14 as of Aug. 16, 2026, which is 16% below its 10-year median of 21.61. GuruFocus rates RBKB with a GF Score™ of 64/100 and a GF Value™ of $13.77 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,242 Banks companies, Rhinebeck Bancorp ranks worse than 72.46% on this metric.
The historical rank and industry rank for Rhinebeck Bancorp's Shiller PE Ratio or its related term are showing as below:
RBKB'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 16.63 Med: 21.61 Max: 22.87
Current: 18.12
During the past 10 years, Rhinebeck Bancorp's highest Shiller PE Ratio was 22.87. The lowest was 16.63. And the median was 21.61.
RBKB's Shiller PE Ratio is ranked worse than 72.46% of 1242
companies
in the Banks industry
Industry Median: 14.015
vs RBKB: 18.12
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Rhinebeck Bancorp's adjusted earnings per share data of for the fiscal year that ended in Dec25 was $0.920. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $0.70 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Rhinebeck Bancorp (NAS:RBKB) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Rhinebeck Bancorp Shiller PE Ratio Related Terms
Rhinebeck Bancorp Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Rhinebeck Bancorp's Shiller PE Ratio 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 FNWD, SABK, FXLG: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Rhinebeck Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Rhinebeck Bancorp's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Rhinebeck Bancorp's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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's E10 for the fiscal year that ended in Dec25 is calculated as:
For example, Rhinebeck Bancorp's adjusted earnings per share data for the fiscal year that ended in Dec25 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Rhinebeck Bancorp (RBKB) has a Shiller PE Ratio of 18.14 as of Aug. 16, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Rhinebeck Bancorp and its competitors. This is 16% below median its historical median of 21.61. Over the past decade, Rhinebeck Bancorp's Shiller PE Ratio has ranged from 16.63 to 22.87. According to the industry distribution chart, Rhinebeck Bancorp ranks #900 out of 1242 companies in the Banks industry, placing it in the top 72.5%.
Is Rhinebeck Bancorp's Shiller PE Ratio too high?
Rhinebeck Bancorp's current Shiller PE Ratio of 18.14 is 16% below median its 10-year median of 21.61. Over the past 10 years, this metric has ranged from a low of 16.63 to a high of 22.87. The Banks industry median Shiller PE Ratio is 14.02. Rhinebeck Bancorp's value of 18.14 is 29.4% above this industry median. Based on the distribution chart, Rhinebeck Bancorp ranks #900 out of 1242 companies in the Banks industry, which is below the industry midpoint. Overall, Rhinebeck Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Rhinebeck Bancorp's Shiller PE Ratio compare to FNWD and SABK?
According to the Banks industry distribution chart, Rhinebeck Bancorp ranks #900 out of 1242 companies for Shiller PE Ratio. This places Rhinebeck Bancorp in the lower half of its industry. The industry median Shiller PE Ratio is 14.02. Rhinebeck Bancorp's value of 18.14 is 29.4% above this benchmark. Historically, Rhinebeck Bancorp's own Shiller PE Ratio has ranged from 16.63 to 22.87 over the past decade. While the company's 10-year median is 21.61 vs. the industry median of 14.02, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 14.02, based on 1,242 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rhinebeck Bancorp's current Shiller PE Ratio of 18.14 is 29.4% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Rhinebeck Bancorp and its competitors. For the Banks industry, the median Shiller PE Ratio is 14.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rhinebeck Bancorp's current Shiller PE Ratio is 18.14, which is 16% below median its own 10-year median of 21.61. 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 Fairly Valued. The stock's GF Value™ is $13.77, compared to a current price of $12.70 — trading 7.8% below its estimated fair value. The current Shiller PE Ratio is 18.14, which is 16% below median its 10-year median of 21.61 and 29.4% above the Banks industry median of 14.02. Rhinebeck Bancorp's overall GF Score™ is 64/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Rhinebeck Bancorp (RBKB), the current Shiller PE Ratio is 18.14 as of Aug. 16, 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 undervalued.
The current stock price of $12.70 is trading 7.8% below its estimated GF Value™ of $13.77.
GuruFocus considers Rhinebeck Bancorp to be Fairly Valued.
Key valuation signals for RBKB:
Shiller PE Ratio: 18.14 (16% below median its 10-year median of 21.61)
GF Value™: $13.77 vs. price of $12.70 (7.8% below fair value)
Industry Position: 29.4% above the Banks median (#900 of 1242)
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.
64GF Score
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