RBKB
Rhinebeck Bancorp, Inc.
Price Chart
Latest Quote
$17.59
+0.60 (+3.53%)
Current Price
| Previous Close | $16.99 |
| Open | $17.14 |
| Day High | $17.79 |
| Day Low | $17.14 |
| Volume | 149,799 |
Stock Information
| Shares Outstanding | 11.10M |
| Total Debt | $22.72M |
| Cash Equivalents | $119.15M |
| Revenue | $51.86M |
| Net Income | $9.97M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $195.26M |
| P/E Ratio | 19.12 |
| EPS (TTM) | $0.92 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $95.16M |
| Sales | $51.86M |
| Income | $9.97M |
| Book/sh | $12.75 |
| Cash/sh | $10.73 |
| Employees | 158 |
Financial Ratios
| EPS Growth TTM | -3.10% |
Returns & Margins
| ROA | 0.79% |
| ROE | 7.54% |
| Operating Margin | 24.44% |
| Profit Margin | 19.23% |
Ownership
| Insider Ownership | 59.87% |
| Institutional Ownership | 20.48% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 3.77 |
| P/B | 1.38 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $16.35 |
| SMA50 | $16.07 |
| SMA200 | $13.44 |
| RSI | 88.76 |
| ATR | 0.4120 |
| Shares Float | 2.77M |
| Short Float | 1.71% |
| Short Ratio | 5.81 |
| Volatility | 0.16 |
| Rel Volume | 5.56 |
Performance History
| Week | +6.28% |
| Month | +11.19% |
| Quarter | +16.18% |
| 6 Months | +40.72% |
| YTD | +46.83% |
| Year | +45.37% |
| 3 Years | +166.52% |
| 5 Years | +65.94% |
| 10 Years | +49.70% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $17.59 | 149,800 |
| 2026-06-17 | $16.99 | 58,300 |
| 2026-06-16 | $17.00 | 86,400 |
| 2026-06-15 | $16.73 | 14,600 |
| 2026-06-12 | $16.71 | 16,200 |
| 2026-06-11 | $16.55 | 12,200 |
| 2026-06-10 | $16.47 | 18,400 |
| 2026-06-09 | $16.48 | 12,600 |
| 2026-06-08 | $16.39 | 30,700 |
| 2026-06-05 | $16.38 | 9,200 |
| 2026-06-04 | $16.33 | 9,300 |
| 2026-06-03 | $16.37 | 16,400 |
| 2026-06-02 | $16.50 | 10,300 |
| 2026-06-01 | $16.37 | 7,800 |
| 2026-05-29 | $16.28 | 22,600 |
| 2026-05-28 | $15.77 | 15,800 |
| 2026-05-27 | $15.48 | 5,700 |
| 2026-05-26 | $15.40 | 27,300 |
| 2026-05-22 | $15.50 | 10,100 |
| 2026-05-21 | $15.76 | 5,200 |
| 2026-05-20 | $15.75 | 5,500 |
| 2026-05-19 | $15.82 | 13,600 |
About Rhinebeck Bancorp, Inc.
Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York, the United States. The company offers deposits, including non-interest-bearing demand, interest-bearing demand, money market, commercial and personal checking, individual retirement, and savings accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; other consumer loans, including home equity loans; and personal loans. In addition, the company offers retail brokerage; retirement planning; financial planning and advisory; life insurance and investment products; ATMs, online banking and bill pay, mobile banking with mobile deposit and bill pay, automated clearing house origination, remote deposit capture, and telephone banking; debit and credit cards; wire transfer and merchant services; and wealth management services. Further, it invests in mutual funds and annuities. The company was founded in 1860 and is based in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. is a subsidiary of Rhinebeck Bancorp, MHC.
đ° Latest News
Rhinebeck Bancorp, Inc.'s (NASDAQ:RBKB) top owners are private companies with 58% stake, while 18% is held by individual investors
Simply Wall St. âĸ 2026-01-23T12:34:58Z
Investing in Rhinebeck Bancorp (NASDAQ:RBKB) five years ago would have delivered you a 37% gain
Simply Wall St. âĸ 2025-12-09T14:07:51Z
Rhinebeck Bancorp (RBKB) Returns to Profitability, Testing Skeptical Valuation Narratives
Simply Wall St. âĸ 2025-10-29T23:11:21Z
Individual investors own 19% of Rhinebeck Bancorp, Inc. (NASDAQ:RBKB) shares but private companies control 59% of the company
Simply Wall St. âĸ 2025-08-16T12:13:22Z
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $53,355,000 | $28,729,000 | $43,699,000 | $47,770,000 |
| Operating Revenue | $53,355,000 | $28,729,000 | $43,699,000 | $47,770,000 |
| Expenses | ||||
| Interest Expense | $22,480,000 | $25,527,000 | $22,694,000 | $6,756,000 |
| Selling And Marketing Expense | $859,000 | $588,000 | $555,000 | $693,000 |
| General And Administrative Expense | $22,656,000 | $21,477,000 | $20,691,000 | $22,428,000 |
| Professional Expense And Contract Services Expense | $1,807,000 | $1,930,000 | $1,919,000 | $1,743,000 |
| Other Non Interest Expense | $9,281,000 | $8,507,000 | $8,545,000 | $7,876,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $10,045,000 | $-8,620,000 | $4,395,000 | $6,997,000 |
| Net Interest Income | $46,393,000 | $37,695,000 | $37,965,000 | $41,836,000 |
| Interest Income | $68,873,000 | $63,222,000 | $60,659,000 | $48,592,000 |
| Normalized Income | $10,037,873 | $-8,608,965 | $4,652,574 | $7,026,887 |
| Net Income From Continuing And Discontinued Operation | $10,045,000 | $-8,620,000 | $4,395,000 | $6,997,000 |
| Net Income Common Stockholders | $10,045,000 | $-8,620,000 | $4,395,000 | $6,997,000 |
| Net Income | $10,045,000 | $-8,620,000 | $4,395,000 | $6,997,000 |
| Net Income Including Noncontrolling Interests | $10,045,000 | $-8,620,000 | $4,395,000 | $6,997,000 |
| Net Income Continuous Operations | $10,045,000 | $-8,620,000 | $4,395,000 | $6,997,000 |
| Pretax Income | $12,685,000 | $-10,937,000 | $5,614,000 | $8,896,000 |
| Special Income Charges | $9,000 | $-18,000 | $-329,000 | $-38,000 |
| Depreciation Amortization Depletion Income Statement | $60,000 | $80,000 | $88,000 | $99,000 |
| Depreciation And Amortization In Income Statement | $60,000 | $80,000 | $88,000 | $99,000 |
| Amortization Of Intangibles Income Statement | $60,000 | $80,000 | $88,000 | $99,000 |
| Per Share | ||||
| Diluted EPS | $0.92 | $-0.80 | $0.40 | $0.64 |
| Basic EPS | $0.93 | $-0.80 | $0.41 | $0.65 |
| Other | ||||
| Tax Effect Of Unusual Items | $1,873 | $-2,965 | $-71,426 | $-8,113 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $9,000 | $-14,000 | $-329,000 | $-38,000 |
| Total Unusual Items Excluding Goodwill | $9,000 | $-14,000 | $-329,000 | $-38,000 |
| Reconciled Depreciation | $1,358,000 | $1,423,000 | $1,492,000 | $1,654,000 |
| Diluted Average Shares | $10,957,428 | $10,757,750 | $10,855,552 | $11,004,597 |
| Basic Average Shares | $10,806,021 | $10,757,750 | $10,789,009 | $10,839,335 |
| Diluted NI Availto Com Stockholders | $10,045,000 | $-8,620,000 | $4,395,000 | $6,997,000 |
| Tax Provision | $2,640,000 | $-2,317,000 | $1,219,000 | $1,899,000 |
| Other Special Charges | $-9,000 | $18,000 | $-46,000 | $38,000 |
| Gain On Sale Of Security | $0 | $-16,041,000 | $0 | $-170,000 |
| Amortization | $60,000 | $80,000 | $88,000 | $99,000 |
| Selling General And Administration | $23,515,000 | $22,065,000 | $21,246,000 | $23,121,000 |
| Insurance And Claims | $1,042,000 | $1,105,000 | $1,232,000 | $829,000 |
| Salaries And Wages | $21,614,000 | $20,372,000 | $19,459,000 | $21,599,000 |
| Occupancy And Equipment | $4,357,000 | $4,266,000 | $4,256,000 | $4,583,000 |
| Impairment Of Capital Assets | - | $0 | $375,000 | $0 |
| Other Gand A | - | - | - | $1,882,000 |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $134,511,000 | $119,432,000 | $111,204,000 | $105,563,000 |
| Total Assets | $1,301,766,000 | $1,255,765,000 | $1,313,202,000 | $1,335,977,000 |
| Goodwill And Other Intangible Assets | $2,341,000 | $2,401,000 | $2,481,000 | $2,569,000 |
| Other Intangible Assets | $106,000 | $166,000 | $246,000 | $334,000 |
| Receivables | $4,882,000 | $4,435,000 | $4,616,000 | $4,255,000 |
| Accounts Receivable | $4,882,000 | $4,435,000 | $4,616,000 | $4,255,000 |
| Cash And Cash Equivalents | $18,829,000 | $19,175,000 | $14,605,000 | $16,815,000 |
| Cash Financial | $16,918,000 | $18,561,000 | $14,178,000 | $13,294,000 |
| Cash Cash Equivalents And Federal Funds Sold | $101,986,000 | $37,484,000 | $22,129,000 | $31,384,000 |
| Debt | ||||
| Net Debt | $11,479,000 | $55,753,000 | $118,614,000 | $46,063,000 |
| Total Debt | $30,308,000 | $74,928,000 | $133,219,000 | $62,878,000 |
| Long Term Debt And Capital Lease Obligation | $28,694,000 | $74,928,000 | $133,219,000 | $62,878,000 |
| Long Term Debt | $28,694,000 | $74,928,000 | $133,219,000 | $62,878,000 |
| Current Debt And Capital Lease Obligation | $1,614,000 | $20,000,000 | - | - |
| Current Debt | $1,614,000 | $20,000,000 | - | - |
| Other Current Borrowings | $1,614,000 | $20,000,000 | - | - |
| Liabilities | ||||
| Minimum Pension Liabilities | $-1,675,000 | $-2,455,000 | $-3,421,000 | $-3,998,000 |
| Total Liabilities Net Minority Interest | $1,164,914,000 | $1,133,932,000 | $1,199,517,000 | $1,227,845,000 |
| Payables And Accrued Expenses | - | - | - | $25,302,000 |
| Equity | ||||
| Common Stock Equity | $136,852,000 | $121,833,000 | $113,685,000 | $108,132,000 |
| Total Equity Gross Minority Interest | $136,852,000 | $121,833,000 | $113,685,000 | $108,132,000 |
| Stockholders Equity | $136,852,000 | $121,833,000 | $113,685,000 | $108,132,000 |
| Other Equity Interest | $-2,837,000 | $-3,055,000 | $-3,273,000 | $-3,491,000 |
| Gains Losses Not Affecting Retained Earnings | $-7,930,000 | $-12,935,000 | $-29,498,000 | $-32,189,000 |
| Retained Earnings | $101,797,000 | $91,766,000 | $100,386,000 | $96,624,000 |
| Other | ||||
| Ordinary Shares Number | $11,141,033 | $11,094,828 | $11,072,607 | $11,284,565 |
| Share Issued | $11,141,033 | $11,094,828 | $11,072,607 | $11,284,565 |
| Tangible Book Value | $134,511,000 | $119,432,000 | $111,204,000 | $105,563,000 |
| Invested Capital | $167,160,000 | $196,761,000 | $246,904,000 | $171,010,000 |
| Total Capitalization | $165,546,000 | $196,761,000 | $246,904,000 | $171,010,000 |
| Unrealized Gain Loss | $-6,255,000 | $-10,480,000 | $-26,077,000 | $-28,191,000 |
| Additional Paid In Capital | $45,710,000 | $45,946,000 | $45,959,000 | $47,075,000 |
| Capital Stock | $112,000 | $111,000 | $111,000 | $113,000 |
| Common Stock | $112,000 | $111,000 | $111,000 | $113,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $162,203,000 | $159,947,000 | $191,985,000 | $223,659,000 |
| Available For Sale Securities | $59,001,000 | $31,879,000 | $47,537,000 | - |
| Goodwill | $2,235,000 | $2,235,000 | $2,235,000 | $2,235,000 |
| Net PPE | $13,621,000 | $14,105,000 | $17,567,000 | $18,722,000 |
| Accumulated Depreciation | $-30,665,000 | $-29,367,000 | $-28,913,000 | $-27,509,000 |
| Gross PPE | $44,286,000 | $43,472,000 | $46,480,000 | $46,231,000 |
| Construction In Progress | $354,000 | $141,000 | $461,000 | $230,000 |
| Machinery Furniture Equipment | $15,392,000 | $14,929,000 | $14,889,000 | $14,652,000 |
| Buildings And Improvements | $26,515,000 | $26,377,000 | $27,774,000 | $27,617,000 |
| Land And Improvements | $2,025,000 | $2,025,000 | $3,356,000 | $3,732,000 |
| Other Short Term Investments | $103,202,000 | $128,068,000 | $144,448,000 | $223,659,000 |
| Treasury Shares Number | - | - | $0 | - |
| Current Accrued Expenses | - | - | - | $25,302,000 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $10,893,000 | $7,679,000 | $6,470,000 | $13,663,000 |
| Operating Activities | ||||
| Operating Cash Flow | $11,743,000 | $8,470,000 | $7,048,000 | $14,795,000 |
| Cash Flow From Continuing Operating Activities | $11,743,000 | $8,470,000 | $7,048,000 | $14,795,000 |
| Operating Gains Losses | $-261,000 | $15,899,000 | $211,000 | $-656,000 |
| Investing Activities | ||||
| Capital Expenditure | $-850,000 | $-791,000 | $-578,000 | $-1,132,000 |
| Investing Cash Flow | $21,161,000 | $74,745,000 | $14,702,000 | $-123,609,000 |
| Cash Flow From Continuing Investing Activities | $21,161,000 | $74,745,000 | $14,702,000 | $-123,609,000 |
| Net Other Investing Changes | $1,980,000 | $3,585,000 | $-2,632,000 | $-1,959,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-95,000 | $0 | $-1,458,000 | $-111,000 |
| Financing Cash Flow | $31,598,000 | $-67,860,000 | $-31,005,000 | $68,107,000 |
| Cash Flow From Continuing Financing Activities | $31,598,000 | $-67,860,000 | $-31,005,000 | $68,107,000 |
| Net Other Financing Charges | $-244,000 | $151,000 | $-458,000 | $602,000 |
| Net Common Stock Issuance | $-95,000 | $0 | $-1,458,000 | $-111,000 |
| Other | ||||
| Interest Paid Supplemental Data | $22,349,000 | $26,078,000 | $21,976,000 | $6,070,000 |
| Income Tax Paid Supplemental Data | $603,000 | $874,000 | $1,501,000 | $1,898,000 |
| End Cash Position | $101,986,000 | $37,484,000 | $22,129,000 | $31,384,000 |
| Beginning Cash Position | $37,484,000 | $22,129,000 | $31,384,000 | $72,091,000 |
| Changes In Cash | $64,502,000 | $15,355,000 | $-9,255,000 | $-40,707,000 |
| Common Stock Payments | $-95,000 | $0 | $-1,458,000 | $-111,000 |
| Net Issuance Payments Of Debt | $-44,620,000 | $-58,291,000 | $70,341,000 | $39,682,000 |
| Net Short Term Debt Issuance | $-44,836,000 | $-33,550,000 | $28,727,000 | $34,505,000 |
| Net Long Term Debt Issuance | $216,000 | $-24,741,000 | $41,614,000 | $5,177,000 |
| Net Investment Purchase And Sale | $3,250,000 | $35,695,000 | $34,069,000 | $23,999,000 |
| Sale Of Investment | $52,244,000 | $107,124,000 | $34,069,000 | $54,223,000 |
| Purchase Of Investment | $-48,994,000 | $-71,429,000 | $0 | $-30,224,000 |
| Net PPE Purchase And Sale | $-805,000 | $2,101,000 | $-578,000 | $-1,132,000 |
| Sale Of PPE | $45,000 | $2,892,000 | $0 | - |
| Purchase Of PPE | $-850,000 | $-791,000 | $-578,000 | $-1,132,000 |
| Change In Working Capital | $-3,276,000 | $-1,352,000 | $-475,000 | $-255,000 |
| Change In Other Working Capital | $-780,000 | $-751,000 | $-665,000 | $-640,000 |
| Change In Other Current Assets | $-2,107,000 | $-4,280,000 | $-1,398,000 | $-3,034,000 |
| Change In Payables And Accrued Expense | $58,000 | $3,498,000 | $1,949,000 | $4,308,000 |
| Change In Accrued Expense | $58,000 | $3,498,000 | $1,949,000 | $4,308,000 |
| Change In Receivables | $-447,000 | $181,000 | $-361,000 | $-889,000 |
| Changes In Account Receivables | $-447,000 | $181,000 | $-361,000 | $-889,000 |
| Other Non Cash Items | $252,000 | $651,000 | $-764,000 | $4,566,000 |
| Stock Based Compensation | $282,000 | $205,000 | $558,000 | $831,000 |
| Deferred Tax | $1,842,000 | $-2,581,000 | $-352,000 | $14,000 |
| Deferred Income Tax | $1,842,000 | $-2,581,000 | $-352,000 | $14,000 |
| Depreciation Amortization Depletion | $1,358,000 | $1,423,000 | $1,492,000 | $1,654,000 |
| Depreciation And Amortization | $1,358,000 | $1,423,000 | $1,492,000 | $1,654,000 |
| Amortization Cash Flow | $60,000 | $80,000 | $88,000 | $99,000 |
| Amortization Of Intangibles | $60,000 | $80,000 | $88,000 | $99,000 |
| Depreciation | $1,298,000 | $1,343,000 | $1,404,000 | $1,555,000 |
| Gain Loss On Investment Securities | $0 | $16,041,000 | $0 | $170,000 |
| Gain Loss On Sale Of PPE | $-9,000 | $18,000 | $-46,000 | $38,000 |
| Net Income From Continuing Operations | $10,045,000 | $-8,620,000 | $4,395,000 | $6,997,000 |
| Gain Loss On Sale Of Business | - | $0 | $375,000 | $0 |
| Issuance Of Debt | - | - | $70,341,000 | $39,682,000 |
| Short Term Debt Issuance | - | - | $28,727,000 | $34,505,000 |
| Long Term Debt Issuance | - | - | $41,614,000 | $5,177,000 |
| Proceeds From Stock Option Exercised | - | - | - | $0 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Sale Of Business | - | - | - | $0 |
| Repayment Of Debt | - | - | - | - |
| Short Term Debt Payments | - | - | - | - |
| Long Term Debt Payments | - | - | - | - |
Fetched: 2026-06-18