Rhinebeck Bancorp Inc (RBKB)
NASDAQ:RBKB
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RBKB Stock Chart & Stats
$10.82
$0.00(0.00%)
At close: 4:00 PM EST
$10.82
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$9.41 - $17.99
Previous CloseN/A
Volume986.00
Average Volume (3M)7.65K
Market Cap
$184.08M
Enterprise Value$179.60M
Total Cash (Recent Filing)$17.59M
Total Debt (Recent Filing)$16.48M
Price to Earnings (P/E)17.9
Beta0.11
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.92
Shares Outstanding11,169,981
10 Day Avg. Volume10,282
30 Day Avg. Volume7,647
Financial Highlights & Ratios
PEG Ratio-0.06
Price to Book (P/B)0.95
Price to Sales (P/S)1.72
P/FCF Ratio11.97
Enterprise Value/Market Cap0.98
Enterprise Value/Revenue2.38
Enterprise Value/Gross Profit3.46
Enterprise Value/Ebitda13.65
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Balance-sheet De‑riskingA dramatic reduction in leverage to ~0.07 TTM and a larger equity base materially lower financial risk and improve loss-absorption. This strengthens regulatory and funding resilience, giving management durable capacity to underwrite loans and withstand credit stress without relying on external capital.
Positive Cash GenerationFree cash flow tracking closely with net income indicates solid earnings quality and internal funding ability. Sustained positive FCF supports core bank activities—loan originations, deposit growth initiatives, and operational needs—reducing dependence on volatile external financing over the medium term.
Profitability RecoveryA return from loss to consistent profitability with mid-teens operating margins signals better cost control and improved net interest dynamics. Persistent positive earnings create a firmer foundation for reinvestment, reserve-building and steady shareholder returns absent material top-line growth volatility.
Bears Say
Volatile Revenue And Cash FlowSharp swings in revenue (TTM -41%) and erratic free cash flow reduce predictability of earnings and capital planning. For a regional bank, inconsistent top-line trends hinder credit growth and deposit strategy, complicating medium-term forecasting and increasing sensitivity to rate and credit cycles.
Limited Balance-sheet ExpansionStagnant asset growth implies constrained loan book and deposit scaling, limiting structural revenue expansion. Without meaningful balance-sheet growth, returns must come from margin expansion or efficiency gains, which are harder to sustain and increase exposure to cyclical headwinds in a regional banking market.
Conversion And Offering Execution RiskTransitioning from an MHC to fully stock-owned entails execution, regulatory and depositor-approval risk plus potential dilution from a large stock offering. Governance, capital allocation and local depositor relationships could change materially, affecting long-term strategic flexibility and shareholder economics.
Rhinebeck Bancorp News
RBKB FAQ
What was Rhinebeck Bancorp Inc’s price range in the past 12 months?
Rhinebeck Bancorp Inc lowest stock price was $9.41 and its highest was $17.99 in the past 12 months.
What is Rhinebeck Bancorp Inc’s market cap?
Rhinebeck Bancorp Inc’s market cap is $184.08M.
When is Rhinebeck Bancorp Inc’s upcoming earnings report date?
Rhinebeck Bancorp Inc’s upcoming earnings report date is Jul 23, 2026 which is in 43 days.
How were Rhinebeck Bancorp Inc’s earnings last quarter?
Rhinebeck Bancorp Inc released its earnings results on Apr 23, 2026. The company reported $0.202 earnings per share for the quarter, beating the consensus estimate of N/A by $0.202.
Is Rhinebeck Bancorp Inc overvalued?
According to Wall Street analysts Rhinebeck Bancorp Inc’s price is currently Overvalued.
Does Rhinebeck Bancorp Inc pay dividends?
Rhinebeck Bancorp Inc does not currently pay dividends.
What is Rhinebeck Bancorp Inc’s EPS estimate?
Rhinebeck Bancorp Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Rhinebeck Bancorp Inc have?
Rhinebeck Bancorp Inc has 11,169,981 shares outstanding.
What happened to Rhinebeck Bancorp Inc’s price movement after its last earnings report?
Rhinebeck Bancorp Inc reported an EPS of $0.202 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 4.698%.
Which hedge fund is a major shareholder of Rhinebeck Bancorp Inc?
Currently, no hedge funds are holding shares in RBKB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Rhinebeck Bancorp Stock Smart Score
Neutral
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Hedge Fund Trend
Decreased
By 5.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $66.2K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.67%
12-Months-Change
Fundamentals
Return on Equity
7.42%
Trailing 12-Months
Asset Growth
2.30%
Trailing 12-Months
Company Description
Rhinebeck Bancorp Inc
Rhinebeck Bancorp, Inc. functions as the holding company for Rhinebeck Bank, which is dedicated to providing a full spectrum of banking and financial services. These offerings cater to both individual consumers and business clients throughout New York's Hudson Valley region. The company's financial products include various deposit accounts, automobile financing, and a wide range of real estate loans. This extensive lending portfolio covers commercial real estate, encompassing multi-family properties, construction, and land development, in addition to business loans and mortgages for one-to four-family residential dwellings. Furthermore, Rhinebeck Bancorp, Inc. extends brokerage and financial advisory services, along with life insurance and investment products, to its diverse clientele. As of December 31, 2021, the company operated through 15 branches and 2 representative offices situated across Dutchess, Ulster, Orange, and Albany counties. It also maintains an ATM in Tivoli, New York. Established in 1860, the company's primary corporate base is located in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates under the umbrella of its parent company, Rhinebeck Bancorp, MHC.
Technical Analysis
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Ownership Overview
3.09% Insiders
3.39% Mutual Funds
9.80% Other Institutional Investors
80.09% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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