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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
$190.78M
Enterprise Value$187.48M
Total Cash (Recent Filing)$17.59M
Total Debt (Recent Filing)$16.48M
Price to Earnings (P/E)18.6
Beta0.12
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/Revenue2.48
Enterprise Value/Gross Profit3.62
Enterprise Value/Ebitda13.89
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
Improved Leverage & EquityLeverage has fallen materially from much higher 2023 levels to a very low TTM debt-to-equity (~0.07) and equity has increased. This creates a durable capital buffer, lowers solvency and funding risk, and improves regulatory and lending flexibility for multi-quarter planning.
Profitability ReboundThe company returned from a loss year to roughly $10M in net income with net margins around 13% and operating margins in the mid-to-high teens. Sustained profitability restores internal capital generation and underwriting discipline, supporting loan growth and expense absorption over months.
Conversion & Capital PlanAdvancing the second‑step demutualization and stock offering is a structural shift to a fully public capital structure. Successful conversion and marketing support long‑term access to equity, improves liquidity and governance alignment with peers, and increases strategic financial flexibility.
Bears Say
Volatile RevenueRevenue has swung sharply, with TTM showing a ~-41% decline and a pronounced 2024 dip. Such top‑line volatility signals sensitivity to rate and credit cycles, making earnings and capital planning less predictable and limiting reliable long‑term growth visibility.
Erratic Cash FlowAlthough FCF is positive and near net income, prior-year swings make cash generation unpredictable. Operating cash flow relative to debt is minimal, reducing liquidity flexibility and raising the risk that rising funding costs or credit stress could constrain lending or capital returns over several quarters.
Limited Growth & Modest ROEAssets have stayed fairly flat and returns on equity are modest (~7%), indicating limited franchise scale and tempered profitability. Over the medium term this constrains competitive expansion, makes it harder to generate excess returns, and limits reinvestment capacity versus peers.
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 $190.78M.
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 12 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
3.08% Insiders
3.41% Mutual Funds
9.80% Other Institutional Investors
79.64% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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