What is Rhinebeck Bancorp, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on Rhinebeck Bancorp, Inc.'s reported free cash flow gives $46.51 per share. The share price was $12.83 on September 25, 2026, 72% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 0.5% | 10.0% | $39.52 | +208% |
| Base | 5.5% | 9.0% | $46.51 | +263% |
| Bull | 10.5% | 8.0% | $60.46 | +371% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $51.65 | $53.21 | $55.12 | $57.51 | $60.58 |
| 8.0% | $47.82 | $48.83 | $50.03 | $51.47 | $53.23 |
| 9.0% | $45.02 | $45.71 | $46.51 | $47.45 | $48.55 |
| 10.0% | $42.89 | $43.38 | $43.94 | $44.58 | $45.31 |
| 11.0% | $41.21 | $41.57 | $41.97 | $42.43 | $42.94 |
Where the presets come from
Base: years 1 to 5 grow at Rhinebeck Bancorp, Inc.'s revenue growth rate over the last 5 fiscal years (5.6% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions