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Rhinebeck Bancorp, Inc. RBKB R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.rhinebeckbank.com
Company Profile ↓
$12.82
+37.55% 1Y
Mkt Cap$200.48M
P/E14.40
P/B0.96
52W High$12.90
52W Low$6.89
Book Value$12.89
EPS (TTM)$0.89

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

Consistent Profit Growth

Net profit has compounded at 16.3% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 14.4, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 18.9%.

Positive Free Cash Flow

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:+37.55%
6 Months:+12.50%
3 Months:+9.34%
1 Month:+2.40%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 99% of range
$6.89 $12.90
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)59.86 · Neutral
Price Performance
1M+2.40%
3M+9.34%
6M+12.50%
1Y+37.55%
Valuation vs Sector

P/E of 14.40 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

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.

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Valuation

Stock P/E
14.40
Industry PE
14.52
Forward P/E est.
15.00
PEG Ratio
-
Book Value
$12.89
Price to Book
0.96
P/S
3.73
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
2.73%
Profit 5Y
16.30%
Revenue (YoY)
1.40%
Earnings (YoY)
-4.00%

Profitability & Returns

ROCE
-
ROE
7.34%
ROA
0.72%
Profit Margin
18.95%
Op Margin
27.18%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.20
EPS (TTM)
$0.89

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$10.31M
Total Assets
$1.28B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
42.99%
Chg in Prom Hold
0.04%
FII / Inst Holding
16.05%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$200.48M
Total Revenue (TTM)
$52.05M
EBITDA
-
Free Cash Flow
$10.89M
Operating Cash Flow
$11.74M
Shares Outstanding
15.64M
Gross Margin
0.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 RBKB Rhinebeck Bancorp, Inc. R2KFINANCIAL 12.82 14.40 $200.48M 0.00% - 7.34% 2.73% 16.30%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue 613.00K594.00K651.00K785.00K698.00K714.00K729.00K652.00K495.00K558.00K609.00K618.00K664.00K706.00K706.00K713.00K708.00K718.00K738.00K743.00K736.00K773.00K773.00K728.00K739.00K764.00K
Net Income 2.62M616.00K579.00K1.96M911.00K1.22M2.09M1.07M1.35M1.15M3.32M2.56M2.69M2.05M2.03M2.11M798.00K1.43M1.24M1.12M975.00K-8.06M2.29M2.73M2.69M2.22M
Diluted EPS ----0.090.110.200.100.130.100.310.230.250.190.180.190.070.130.110.100.09-0.750.210.250.250.20

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 2.41M2.81M2.82M2.28M2.58M2.83M2.88M3.00M2.98M
Net Income 3.00M4.36M5.96M5.92M11.56M7.00M4.39M-8.62M10.04M
Diluted EPS --0.560.551.060.640.40-0.800.92

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -742.10M882.42M973.95M1.13B1.28B1.34B1.31B1.26B1.30B
Total Equity 52.52M54.98M59.28M109.88M116.50M125.97M108.13M113.69M121.83M136.85M
Total Liabilities -687.13M823.15M864.06M1.01B1.16B1.23B1.20B1.13B1.16B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 5.39M8.61M12.11M14.85M7.65M14.79M7.05M8.47M11.74M
Investing Cash Flow -23.96M-104.07M-132.08M-74.12M-135.73M-123.61M14.70M74.75M21.16M
Financing Cash Flow 16.06M135.59M81.36M140.78M106.69M68.11M-31.00M-67.86M31.60M
Capital Expenditure -697.00K-1.15M-2.59M-1.87M-1.77M-1.13M-578.00K-791.00K-850.00K
Free Cash Flow 4.69M7.46M9.52M12.98M5.88M13.66M6.47M7.68M10.89M
Share Buybacks --------95.00K

Ratios (Annual)

Figures in %.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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

Insiders
42.99%
Institutions
16.05%
Public Float
28.16%

Top Institutional Holders

#Holder% HeldSharesValue
1 M3F, Inc. 4.94% 771.69K $9.72M
2 Vanguard Capital Management LLC 4.22% 659.58K $8.31M
3 Alliancebernstein L.P. 3.33% 520.18K $6.55M
4 Blackrock Inc. 2.30% 360.30K $4.54M
5 Geode Capital Management, LLC 0.95% 149.03K $1.88M
6 Bridgeway Capital Management, LLC 0.67% 104.31K $1.31M
7 Empowered Funds, LLC 0.53% 83.35K $1.05M
8 Renaissance Technologies, LLC 0.39% 60.52K $762.62K
9 Vanguard Fiduciary Trust Co 0.34% 52.95K $667.18K
10 Northern Trust Corporation 0.33% 50.98K $642.40K

Analyst View

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Latest News

Recent headlines for RBKB

Yahoo Finance ue, 21 Jul 2026

Rhinebeck Bancorp, Inc. Announces Completion of Conversion and Offering

POUGHKEEPSIE, NY / ACCESS Newswire / July 21, 2026 / Rhinebeck Bancorp, Inc. (NASDAQ Capital Market:RBKB) (the "Company"), the holding company for Rhinebeck Bank, announced that Rhinebeck Bancorp, MHC (the "MHC") has completed its "second-s…

Yahoo Finance Fri, 17 Jul 2026

Rhinebeck Bancorp, Inc. Announces Subscription Offering Results and Expected Closing Date

POUGHKEEPSIE, NY / ACCESS Newswire / July 17, 2026 / Rhinebeck Bancorp, Inc. (Nasdaq Capital Market:RBKB) (the "Company"), the holding company for Rhinebeck Bank (the "Bank"), announced the results of the subscription offering conducted in …

Yahoo Finance ue, 26 May 2026

Rhinebeck Bancorp, Inc. Announces Commencement of Stock Offering

POUGHKEEPSIE, NY / ACCESS Newswire / May 26, 2026 / Rhinebeck Bancorp, Inc. ("Rhinebeck Bancorp") (NASDAQ:RBKB), the holding company for Rhinebeck Bank (the "Bank"), announced that Rhinebeck Bancorp has commenced its stock offering in conne…

Yahoo Finance hu, 23 Apr 2026

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2026

POUGHKEEPSIE, NY / ACCESS Newswire / April 23, 2026 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended March 31, 2026 of $2.2 million (…

Yahoo Finance ue, 28 Jul 2026

Rhinebeck Bank Appoints Travis Podolec as New Senior Vice President, Commercial Lender in Orange County

NEWBURGH, NY / ACCESS Newswire / July 28, 2026 / Rhinebeck Bank, the wholly owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), today announced the addition of Travis Podolec as Senior Vice President, Commercial Lender to its Orange …

Yahoo Finance Wed, 15 Jul 2026

Rhinebeck Bank Expands Commercial Banking Presence With New Westchester County Office

RYE BROOK, NY / ACCESS Newswire / July 15, 2026 / Rhinebeck Bank, the wholly owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), today announced the opening of a Commercial Lending Representative Office in Rye Brook, New York, expand…

RBKB — Frequently Asked Questions

What is the current share price of Rhinebeck Bancorp, Inc. (RBKB)?

As of 2026-09-07 16:24 PDT, Rhinebeck Bancorp, Inc. (RBKB) trades at $12.82 on NasdaqCM. Its 52-week range is $6.89 to $12.90.

What is the market capitalisation of RBKB?

Rhinebeck Bancorp, Inc. (RBKB) has a market capitalisation of $200.48M on NasdaqCM.

What is the P/E ratio of RBKB?

RBKB trades at a trailing price-to-earnings (P/E) ratio of 14.40. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 0.96.

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.

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