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Rhinebeck Bancorp(NASDAQ) RBKB

Current Price$11.99
Market Cap$141.04MMarket 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)+50%
5 Year+65%
1 Year+41%
1 Month+0%
Rhinebeck Bancorp last closing stock price
MetricPriceDate
Last closeUSD 12.632026-07-21
Rhinebeck Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+6.2%USD 11.892026-07-14
1 month+0.34%USD 12.582026-06-18
3 month+12.78%USD 11.202026-04-22
Year to date+46.84%USD 8.602025-12-31
1 year+41.43%USD 8.932025-07-21
3 year+152.5%USD 5.002023-07-21
5 year+65.26%USD 7.642021-07-22
Since inception+50.21%USD 11.752019-01-17

Rhinebeck Bancorp Financials at a Glance

Market Cap

$141.04MMarket 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)

$75.53M

Net Income (TTM)

$9.97M

EPS (TTM)

$0.91

P/E Ratio

13.89

Dividend

$0.00

Beta (Volatility)

0.11 (Low)

Price

$11.99

Volume

923,907.657

Open

$11.00

Previous Close

$12.63

Daily Range

$11.00 - $12.20

52-Week Range

$6.73 - $12.87

Estimated Earnings Date

Apr 22, 2026

RBKB News

No articles available.

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About Rhinebeck Bancorp

Rhinebeck helps people and businesses in New York manage money and get loans. The company’s services support local families and small businesses with practical financial solutions.

Money Moves: Rhinebeck’s Main Offerings

  • Deposit Accounts: Checking, savings, and certificates of deposit for individuals and businesses (revenue breakdown not disclosed).
  • Loan Products: Auto loans, home mortgages, and business loans for local customers (auto loans are 20.1% of assets as of June 2025).
  • Commercial Real Estate Loans: Financing for property purchases, construction, and development projects (commercial real estate loans increased by $22.9M in H1 2025).
  • Brokerage and Investment Services: Investment advice and life insurance for individuals and companies (non-interest income flat YoY in Q2 2025).
  • ATM and Digital Banking: Access to cash and account management through branches and digital channels.

Branching Out: Growth and Expansion Highlights

  • Restructured balance sheet in late 2024, selling $92M in securities to boost liquidity.
  • Reduced indirect auto loans by $39.6M in H1 2025 to manage risk.
  • Promoted higher-yield deposit products in response to changing customer demand in 2025.

Why Rhinebeck Stands Out (Without Shouting)

Rhinebeck focuses on the Hudson Valley, offering a broad mix of loans and deposits. Its single-segment structure keeps operations simple and community-focused. The company uses interest rate swaps and reciprocal deposit programs to manage risk and attract large depositors.

Five Things You Need to Know

  • Revenue was $14M in QQ3 2025, up 139.6% from QQ3 2024.
  • Net income was $3M in QQ3 2025, up from -$8M in QQ3 2024.
  • Total assets reached $1.27B as of June 30, 2025, up 1.5% from December 2024.
  • Deposits were $1.07B as of June 30, 2025, up 4.9% from December 2024.
  • Net interest margin was 3.97% in Q2 2025, up 93 basis points year-over-year.

Bottom Line

Rhinebeck has adapted by shifting its loan mix and strengthening liquidity. Its focus on local banking and risk management supports steady performance in a changing market.

AI Generated • Apr 16, 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

68.66%

Operating Margin

16.69%

Net Income Margin

13.20%

Return on Equity

7.42%

Return on Capital

7.59%

Return on Assets

0.78%

Earnings Yield

7.20%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$141.04MMarket 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

11.17M

Volume

923.91K

Avg. Volume

34.02K

Financials (TTM)

Gross Profit

$51.86M

Operating Income

$12.61M

EBITDA

$13.50M

Operating Cash Flow

$10.95M

Capital Expenditure

-$874.00K

Free Cash Flow

$10.08M

Cash & ST Invst.

$17.59M

Total Debt

$16.48M

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
Q22025-06-30-0.2%
Q32025-09-307.3%
Q42025-12-31-1.5%
Q12026-03-31-6.8%
Rhinebeck Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.64-39.7%
20232023-12-31USD 0.40-36.3%
20242024-12-31USD -0.80N/A
20252025-12-31USD 0.92N/A
Rhinebeck Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3019.0%
Q32025-09-30N/A
Q42025-12-31-16.0%
Q12026-03-31-4.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$18.08M

-1.7%

Gross Profit

$12.59M

+1.2%

Gross Margin

69.64%

N/A

Market Cap

$141.04MMarket 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

$892.68K

N/A

Employees

158

N/A

Net Income

$2.22M

-3.1%

EBITDA

$3.20M

-2.1%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$17.59M

-77.0%

Total Debt

$16.48M

-72.1%

Accounts Receivable

$4.83M

+4.2%

Inventory

$0.00

N/A

Long Term Debt

$14.32M

-75.7%

Short Term Debt

$2.15M

N/A

Return on Assets

0.78%

N/A

Return on Invested Capital

0.98%

N/A

Free Cash Flow

$2.88M

-31.3%

Operating Cash Flow

$3.52M

-18.4%

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Questions About RBKB

What is the current price of Rhinebeck Bancorp?

Rhinebeck Bancorp is trading at $11.99 per share.

What is the 52-week range for Rhinebeck Bancorp?

Over the past 52 weeks, Rhinebeck Bancorp has traded between $6.73 and $12.87.

How much debt does Rhinebeck Bancorp have?

As of the most recent reporting period, Rhinebeck Bancorp reported total debt of $16.48M.

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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