Rhinebeck Bancorp, Inc. RBKB R2K

Financial Services · Banks - Regional · United States

https://www.rhinebeckbank.com

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.

Market & Price

Market Cap

$180.72M

Current Price

$16.28

High / Low (52W)

$16.49 / $9.62

Beta

0.17

Valuation

Stock P/E

17.89

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$12.75

Price to Book

1.28

P/S

3.48

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

7.54%

ROA

0.79%

Profit Margin

19.23%

Op Margin

24.44%

EPS (Latest Qtr)

$0.20

EPS (TTM)

$0.91

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$22.72M

Total Assets

$1.30B

Current Assets

Working Capital

Ownership

Promoter Holding

59.64%

Chg in Prom Hold

0.47%

FII / Inst Holding

20.46%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$80.89M

Total Revenue (TTM)

$51.86M

EBITDA

Free Cash Flow

Operating Cash Flow

$10.95M

Shares Outstanding

11.10M

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

3.75%

Profit 5Y

12.81%

Revenue (YoY)

1.20%

Earnings (YoY)

-4.80%

PROS

Profit CAGR of 12.8% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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. R2K	16.28	17.89	$180.72M	-	-	7.54%	3.75%	12.81%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

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	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 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	-	-	12.79M	13.09M	13.97M	13.50M	12.65M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.60M	5.26M	5.72M	5.89M	5.42M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.93M	3.49M	3.34M	2.93M	2.85M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	639.00K	762.00K	648.00K	591.00K	635.00K
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	-	-	2.29M	2.73M	2.69M	2.34M	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	-	-	0.21	0.25	0.25	0.21	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	-	47.77M	43.70M	28.73M	53.35M
Cost of Revenue	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	6.76M	22.69M	25.53M	22.48M
Pretax Income	-	-	-	-	-	8.90M	5.61M	-10.94M	12.69M
Tax Provision	-	-	-	-	-	1.90M	1.22M	-2.32M	2.64M
Net Income	3.00M	4.36M	5.96M	5.92M	-	7.00M	4.39M	-8.62M	10.04M
Diluted EPS	-	-	0.56	0.55	-	0.64	0.40	-0.80	0.92

Compounded Sales Growth

5 Years:	3.75%
1 Year:	1.20%

Compounded Profit Growth

5 Years:	12.81%
1 Year:	-4.80%

Stock Price Performance

1 Year:	+40.59%
6 Months:	+50.46%
3 Months:	+1.75%
1 Month:	+1.18%

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	-	1.34B	1.31B	1.26B	1.30B
Current Assets	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	16.82M	14.61M	19.18M	18.83M
Inventory	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	4.25M	4.62M	4.43M	4.88M
Total Liabilities	-	687.13M	823.15M	864.06M	1.01B	-	1.23B	1.20B	1.13B	1.16B
Current Liabilities	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	62.88M	133.22M	74.93M	28.69M
Total Debt	-	-	-	-	-	-	62.88M	133.22M	74.93M	30.31M
Total Equity	52.52M	54.98M	59.28M	109.88M	116.50M	-	108.13M	113.69M	121.83M	136.85M
Shares Outstanding	-	-	-	-	-	-	11.28M	11.07M	11.09M	11.14M

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	-	14.79M	7.05M	8.47M	11.74M
Investing Cash Flow	-23.96M	-104.07M	-132.08M	-74.12M	-	-123.61M	14.70M	74.75M	21.16M
Financing Cash Flow	16.06M	135.59M	81.36M	140.78M	-	68.11M	-31.00M	-67.86M	31.60M
Capital Expenditure	-697.00K	-1.15M	-2.59M	-1.87M	-	-1.13M	-578.00K	-791.00K	-850.00K
Free Cash Flow	4.69M	7.46M	9.52M	12.98M	-	13.66M	6.47M	7.68M	10.89M
Net Change in Cash	-	-	-	-	-	-40.71M	-9.26M	15.36M	64.50M
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%	-	14.6%	10.1%	-30.0%	18.8%
ROE %	5.5%	7.4%	5.4%	5.1%	-	6.5%	3.9%	-7.1%	7.3%
ROCE %	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

59.64%

Institutions

20.46%

Public Float

50.68%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	M3F, Inc.	9.05%	1.01M	$16.45M
2	Alliancebernstein L.P.	3.46%	386.61K	$6.29M
3	Vanguard Capital Management LLC	1.65%	184.49K	$3.00M
4	Blackrock Inc.	1.51%	168.93K	$2.75M
5	Geode Capital Management, LLC	0.84%	93.61K	$1.52M
6	Bridgeway Capital Management, LLC	0.67%	74.63K	$1.21M
7	Empowered Funds, LLC	0.53%	59.63K	$970.73K
8	State Street Corporation	0.28%	31.03K	$505.18K
9	Dimensional Fund Advisors LP	0.27%	29.88K	$486.46K
10	Northern Trust Corporation	0.27%	30.68K	$499.40K

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