Rhinebeck Bancorp logo

Rhinebeck Bancorp(NASDAQ) RBKB

Market Cap$201.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2019)+53%
5 Year+65%
1 Year+57%
1 Month+0%
$12.88
+0.04%
+0.01Today
Rhinebeck Bancorp last closing stock price
MetricPriceDate
Last closeUSD 12.882026-10-13
Rhinebeck Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.61%USD 13.222026-10-06
1 month+0.43%USD 12.822026-09-11
3 month+7.25%USD 12.002026-07-15
Year to date+49.72%USD 8.602025-12-31
1 year+57.18%USD 8.192025-10-13
3 year+175.6%USD 4.672023-10-13
5 year+65.41%USD 7.782021-10-14
Since inception+53.16%USD 8.412019-01-17

Rhinebeck Bancorp Financials at a Glance

Market Cap

$201.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$60.59M

Net Income (TTM)

$9.86M

EPS (TTM)

$0.64

P/E Ratio

20.02

Dividend

$0.00

Beta (Volatility)

0.10 (Low)

Price

$12.88

Volume

56,341.139

Open

$12.95

Previous Close

$12.88

Daily Range

$12.79 - $12.95

52-Week Range

$6.73 - $13.29

Estimated Earnings Date

Jul 23, 2026

RBKB News

No articles available.

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About Rhinebeck Bancorp

Rhinebeck Bancorp, Inc. operates as the holding company for Rhinebeck Bank, providing a comprehensive range of banking and financial services. The company serves individual consumers and business clients in New York's Hudson Valley region, focusing on various deposit accounts, loans, and investment products.

Products and Services
  • Various deposit accounts for personal and business needs
  • Automobile financing and real estate loans
  • Brokerage and financial advisory services
Growth Outlook
  • Established presence with 15 branches across key counties
  • Strong demand for commercial real estate loans in the region
  • Continued expansion of financial advisory services to meet client needs
Financial Highlights
  • Recent quarterly revenue of $3.41 million, showing resilience
  • Trailing twelve months (TTM) net income margin of 16.3%
  • Low debt ratio of 0.007, indicating strong financial stability
Rhinebeck Bancorp, Inc. has demonstrated a commitment to providing diverse financial solutions tailored to the needs of its clients. The company's strategic focus on the Hudson Valley region positions it well for future growth, particularly in commercial real estate lending. Recent financial performance reflects a solid foundation, with a notable net income margin and low debt levels, suggesting a stable operational environment. The ongoing expansion of services, including financial advisory offerings, further enhances the company's potential for sustained growth.
AI Generated • Oct 3, 2026

Industry

Banks

Sector

Financials

Employees

158

CEO

Matthew J. Smith

Website

www.rhinebeckbank.com

Headquarters

Poughkeepsie, NY 12601, US

RBKB Financials

Key Financial Metrics (TTM)

Gross Margin

60.39%

Operating Margin

10.35%

Net Income Margin

16.28%

Return on Equity

7.20%

Return on Capital

7.59%

Return on Assets

0.67%

Earnings Yield

5.00%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$201.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

15.64M

Volume

56.34K

Avg. Volume

151.92K

Financials (TTM)

Gross Profit

$36.59M

Operating Income

$6.27M

EBITDA

$7.65M

Operating Cash Flow

$14.11M

Capital Expenditure

-$55.00K

Free Cash Flow

$14.06M

Cash & ST Invst.

$192.34M

Total Debt

$10.31M

Rhinebeck Bancorp Performance Analysis

Rhinebeck Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 54,526,0006.7%
20232023-12-31USD 66,390,00021.8%
20242024-12-31USD 54,256,000-18.3%
20252025-12-31USD 75,835,00039.8%
Rhinebeck Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-307.3%
Q42025-12-31-1.5%
Q12026-03-31-6.8%
Q22026-06-30-81.1%
Rhinebeck Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.45-39.7%
20232023-12-31USD 0.29-36.3%
20242024-12-31USD -0.57N/A
20252025-12-31USD 0.66N/A
Rhinebeck Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30N/A
Q42025-12-31-16.0%
Q12026-03-31-4.8%
Q22026-06-3020.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$3.41M

-81.4%

Gross Profit

-$2.08M

-115.7%

Gross Margin

-60.89%

N/A

Market Cap

$201.31MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.27M

N/A

Employees

158

N/A

Net Income

$2.62M

-4.0%

EBITDA

-$2.52M

-166.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$192.34M

+148.4%

Total Debt

$10.31M

-67.5%

Accounts Receivable

$4.59M

+2.0%

Inventory

$0.00

N/A

Long Term Debt

$10.31M

-66.0%

Short Term Debt

$0.00

-100.0%

Return on Assets

0.67%

N/A

Return on Invested Capital

3.61%

N/A

Free Cash Flow

$6.23M

+177.3%

Operating Cash Flow

$5.59M

+130.3%

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Questions About RBKB

What is the current price of Rhinebeck Bancorp?

Rhinebeck Bancorp is trading at $12.88 per share.

What is the 52-week range for Rhinebeck Bancorp?

Over the past 52 weeks, Rhinebeck Bancorp has traded between $6.73 and $13.29.

How much debt does Rhinebeck Bancorp have?

As of the most recent reporting period, Rhinebeck Bancorp reported total debt of $16.36M.

How much cash does Rhinebeck Bancorp have on hand?

Rhinebeck Bancorp does not have cash on hand data available.

What is Rhinebeck Bancorp’s dividend yield?

Rhinebeck Bancorp does not currently have a dividend yield.

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