Rhinebeck Bancorp
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
N/AN/A18.1916.2911.2220.3015.509.9314.1119.7611.8911.22
Price/Sales ratio
N/AN/A1.671.571.453.192.052.452.062.081.741.45
Price/Book Value ratio
N/AN/A0.930.880.821.100.780.910.910.760.761.10
Price/Cash Flow ratio
N/AN/A9.989.075.6813.476.1715.006.6712.322.5513.47
Price/Free Cash Flow ratio
N/AN/A12.7310.426.5518.937.0619.537.2213.422.6018.93
Price/Earnings Growth ratio
N/AN/AN/A1.510.24-0.43-8.680.10-0.35-0.53-0.28-0.43
Dividend Yield
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%49.10%100%
Operating Profit Margin
17.98%22.29%24.23%31.97%31.82%19.77%16.73%32.01%32.76%14.26%N/A19.77%
Pretax Profit Margin
3.96%6.29%13.76%21.31%15.98%19.77%16.73%32.01%18.62%13.47%18.62%15.98%
Net Profit Margin
3.26%2.92%9.23%9.69%12.97%15.74%13.24%24.68%14.64%10.54%14.64%12.97%
Effective Tax Rate
17.58%53.64%32.94%54.51%18.87%20.40%20.85%22.90%21.34%21.71%21.34%18.87%
Return on Assets
0.14%0.12%0.37%0.40%0.49%0.61%0.52%0.90%0.52%0.33%0.52%0.49%
Return On Equity
1.82%1.68%5.12%5.46%7.35%5.42%5.07%9.17%6.47%3.86%6.28%5.42%
Return on Capital Employed
0.79%0.99%1.97%2.86%1.21%1.48%1.42%3.96%3.95%0.45%N/A1.48%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/A0.060.0118.09N/AN/AN/AN/A0.01
Quick Ratio
3.603.341.521.53152.470.310.490.471.33N/AN/A0.31
Cash ratio
3.603.340.030.0210.110.020.150.070.03N/AN/A0.02
Days of Sales Outstanding
N/AN/A24.7825.3327.41N/AN/AN/A7.63KN/A32.5127.41
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.010.000.020.020.040.070.040.010.040.040.910.04
Debt Equity Ratio
0.250.100.270.360.700.650.470.180.580.4611.350.70
Long-term Debt to Capitalization
0.200.090.210.260.380.390.320.150.360.310.360.39
Total Debt to Capitalization
0.200.090.210.260.410.390.320.150.360.31N/A0.39
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A5.47N/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
N/AN/A0.330.260.200.120.260.320.230.13N/A0.12
Company Equity Multiplier
12.8813.1113.7513.4914.888.869.6810.1712.3511.5512.3512.35
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
N/AN/A0.160.170.250.230.330.160.300.160.680.25
Free Cash Flow / Operating Cash Flow Ratio
N/AN/A0.780.870.860.710.870.760.920.910.980.86
Cash Flow Coverage Ratio
N/AN/A0.330.260.200.120.260.320.230.13N/A0.12
Short Term Coverage Ratio
N/AN/AN/AN/A1.72N/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A