Rhinebeck Bancorp, Inc. RBKB R2KFINANCIAL
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 16.3% per year over the last five years.
Trades at an undemanding P/E of 14.4.
Maintains a net profit margin of 18.9%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $2.98M (-0.6% YoY); net profit $10.04M.
- Trailing 12 Months Year-on-year growth — revenue +1.4%, earnings -4.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 2.7%, profit CAGR 16.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 2.73% |
| 1 Year: | 1.40% |
Compounded Profit Growth
| 5 Years: | 16.30% |
| 1 Year: | -4.00% |
Stock Price Performance
| 1 Year: | +38.73% |
| 6 Months: | +9.54% |
| 3 Months: | +5.12% |
| 1 Month: | +0.62% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)53.39 · Neutral
P/E of 14.37 is above the sector median of 13.55 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Profit CAGR of 16.3% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | RBKB Rhinebeck Bancorp, Inc. R2KFINANCIAL | 12.93 | 14.37 | $202.17M | 0.00% | - | 7.34% | 2.73% | 16.30% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 613.00K | 594.00K | 651.00K | 785.00K | 698.00K | 714.00K | 729.00K | 652.00K | 495.00K | 558.00K | 609.00K | 618.00K | 664.00K | 706.00K | 706.00K | 713.00K | 708.00K | 718.00K | 738.00K | 743.00K | 736.00K | 773.00K | 773.00K | 728.00K | 739.00K | 764.00K |
| Net Income | 2.62M | 616.00K | 579.00K | 1.96M | 911.00K | 1.22M | 2.09M | 1.07M | 1.35M | 1.15M | 3.32M | 2.56M | 2.69M | 2.05M | 2.03M | 2.11M | 798.00K | 1.43M | 1.24M | 1.12M | 975.00K | -8.06M | 2.29M | 2.73M | 2.69M | 2.22M |
| Diluted EPS | - | - | - | - | 0.09 | 0.11 | 0.20 | 0.10 | 0.13 | 0.10 | 0.31 | 0.23 | 0.25 | 0.19 | 0.18 | 0.19 | 0.07 | 0.13 | 0.11 | 0.10 | 0.09 | -0.75 | 0.21 | 0.25 | 0.25 | 0.20 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.41M | 2.81M | 2.82M | 2.28M | 2.58M | 2.83M | 2.88M | 3.00M | 2.98M |
| Net Income | 3.00M | 4.36M | 5.96M | 5.92M | 11.56M | 7.00M | 4.39M | -8.62M | 10.04M |
| Diluted EPS | - | - | 0.56 | 0.55 | 1.06 | 0.64 | 0.40 | -0.80 | 0.92 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 742.10M | 882.42M | 973.95M | 1.13B | 1.28B | 1.34B | 1.31B | 1.26B | 1.30B |
| Total Equity | 52.52M | 54.98M | 59.28M | 109.88M | 116.50M | 125.97M | 108.13M | 113.69M | 121.83M | 136.85M |
| Total Liabilities | - | 687.13M | 823.15M | 864.06M | 1.01B | 1.16B | 1.23B | 1.20B | 1.13B | 1.16B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 5.39M | 8.61M | 12.11M | 14.85M | 7.65M | 14.79M | 7.05M | 8.47M | 11.74M |
| Investing Cash Flow | -23.96M | -104.07M | -132.08M | -74.12M | -135.73M | -123.61M | 14.70M | 74.75M | 21.16M |
| Financing Cash Flow | 16.06M | 135.59M | 81.36M | 140.78M | 106.69M | 68.11M | -31.00M | -67.86M | 31.60M |
| Capital Expenditure | -697.00K | -1.15M | -2.59M | -1.87M | -1.77M | -1.13M | -578.00K | -791.00K | -850.00K |
| Free Cash Flow | 4.69M | 7.46M | 9.52M | 12.98M | 5.88M | 13.66M | 6.47M | 7.68M | 10.89M |
| Share Buybacks | - | - | - | - | - | - | - | - | 95.00K |
Ratios (Annual)
Figures in %.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Net Margin % | 124.8% | 155.3% | 211.2% | 260.0% | 447.3% | 247.3% | 152.6% | -287.1% | 336.6% |
| ROE % | 5.5% | 7.4% | 5.4% | 5.1% | 9.2% | 6.5% | 3.9% | -7.1% | 7.3% |
| ROCE % | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | M3F, Inc. | 4.94% | 771.69K | $9.92M |
| 2 | Vanguard Capital Management LLC | 4.22% | 659.58K | $8.48M |
| 3 | Alliancebernstein L.P. | 3.33% | 520.18K | $6.69M |
| 4 | Blackrock Inc. | 2.30% | 360.30K | $4.63M |
| 5 | Geode Capital Management, LLC | 0.95% | 149.03K | $1.92M |
| 6 | Bridgeway Capital Management, LLC | 0.67% | 104.31K | $1.34M |
| 7 | Empowered Funds, LLC | 0.53% | 83.35K | $1.07M |
| 8 | Renaissance Technologies, LLC | 0.39% | 60.52K | $778.35K |
| 9 | Vanguard Fiduciary Trust Co | 0.34% | 52.95K | $680.95K |
| 10 | Northern Trust Corporation | 0.33% | 50.98K | $655.65K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for RBKB
RBKB vs. OBT: Which Hudson Valley Bank Stock Is the Better Buy Now? - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMilAFBVV95cUxOTzZGSUd6VlpLY25DQl85cEk2Q2llclVpR1JZZE90OGt6SWtIVGJkX2FEYU1FSjNfN2hUMm83cDY5VEZZMjM1Y0tFQ0NIOW5tSmpQRFUtUndMTDZSb2dvX3FkeTlpYWpJdFFuYVBJVXFqd3o2VXRUcFNjVk5ZbEZUY1JuRnBRdVBHNWl0NG…
Rhinebeck Bancorp Modernizes Executive Change-in-Control Agreements - The Globe and Mail
<a href="https://news.google.com/rss/articles/CBMi4gFBVV95cUxPQldsYnVadXhQMXNVYXFMaXM2el9zMzJLb1FHZlkzQ05sSXp1WW1hQi1neGgwcGV2YXhNVTB0VjNuRUV3Y3Z2ZVNCb0ZMMFdpam9ZWVNrN09GTHdmX01tMFhxX1hia1V6QmVqNEhPVzRiVmExZDY1TEduV3BLM0o1ZWUyeFBkMHhlSm1DNX…
A new Rye Brook branch brings personal and business banking under one roof - Stock Titan
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Now May Not Be The Best Time To Invest In Rhinebeck Bancorp (NASDAQ:RBKB) - Seeking Alpha
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Rhinebeck completes second-step conversion, sells 8.88M shares at $10; 15.64M shares outstanding - TradingView
<a href="https://news.google.com/rss/articles/CBMi6wFBVV95cUxPbWFUalF5c3NNdHVOWlJ0YndMLUdMUnBNZXMyNURYT0ZST0dXdTlkOW93ZjdEYlVzdFF3RVZHN0FSeVFLdlkySGVnaTZ4N1RRRWtGZ1d2SkNLMm9nc2lUcGRHd2RUSUJMUEdLeFJvRHdsTjc0SlhvYkxxX2ZxUENEdE9aTndiTXlzbTVYZU…
Rhinebeck Bancorp, Inc. Announces Completion of Conversion and Offering - Yahoo Finance
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RBKB — Frequently Asked Questions
What is the current share price of Rhinebeck Bancorp, Inc. (RBKB)?
As of 2026-10-23 16:27 PDT, Rhinebeck Bancorp, Inc. (RBKB) trades at $12.93 on NasdaqCM. Its 52-week range is $6.89 to $13.23.
What is the market capitalisation of RBKB?
Rhinebeck Bancorp, Inc. (RBKB) has a market capitalisation of $202.17M on NasdaqCM.
What is the P/E ratio of RBKB?
RBKB trades at a trailing price-to-earnings (P/E) ratio of 14.37. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.42.
What is the return on equity (ROE) of RBKB?
RBKB has a return on equity (ROE) of 7.34%.
Is RBKB a good stock to buy?
This page provides a data-driven analysis of Rhinebeck Bancorp, Inc. (RBKB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.