Rhinebeck Bancorp, Inc.

Rhinebeck Bancorp, Inc.

RBKB
Rhinebeck Bancorp, Inc.US flagNASDAQ Capital Market
16.50
USD
+0.13
- -
183.16MMarket Cap
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
7
7.44
8.16
3.54
4.16
4.35
4.41
4.05
2.67
4.94
4.92
Basic EPS, GAAP
0.65
0.72
1.05
0.56
0.55
1.07
0.65
0.41
-0.8
0.93
0.92
Free Cash Flow per Basic Share
0.92
1.13
1.79
0.89
1.21
0.55
1.26
0.6
0.71
1.01
0.89
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
13.86
14.85
15.9
6.75
7.29
8.33
8.92
9.31
8.54
9.43
9.62
Tangible Book Value per Share
11.77
12.77
13.83
10.11
10.71
11.45
9.74
10.31
11.1
12.45
12.59
Basic Weighted Avg Shares
4
4
4
11
11
11
11
11
11
11
11
Sales/Revenue/Turnover
29
31
34
38
45
47
48
44
29
53
53
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
2
2
1
1
1
1
Net Income, GAAP
3
3
4
6
6
12
7
4
-9
10
10
Effective Tax Rate (%)
32.94
54.52
18.88
20.41
20.85
22.9
21.35
21.71
- -
20.81
20.91
Profit Margin (%)
9.23
9.7
12.83
15.74
13.25
24.69
14.65
10.06
-30
18.83
18.74
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
15
20
37
71
56
23
63
133
75
29
9
Total Equity
53
55
59
110
116
126
108
114
122
137
139
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
5.02
6.81
8.61
7.87
13.77
7.5
4.46
-8.96
10.37
10.06

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
3
2
2
LT Borrowings
29
29
9
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
11
11
11
Market Capitalization
123
130
167

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
59
122
74
Accounts Receivable, Net
5
5
5
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
3
2
2
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
3.72%
12.33%
Free Cash Flow
- -
17.12%
41.85%
Net Income, GAAP
- -
-98.79%
-216.53%
Sales/Revenue/Turnover
- -
9.96%
85.72%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10
11
- -
8
29
2025
13
13
14
13
53
2026
13
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.1
0.09
-0.75
-0.25
-0.8
2025
0.21
0.25
0.25
0.22
0.93
2026
0.2
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Matthew J. Smith
Full Time Employees
157
Sector
Financial Services
Industry
Banks - Regional
Address
2 Jefferson Plaza Poughkeepsie NY United States of America 12601
IPO Date
Jan 17, 2019
Business
Rhinebeck Bancorp, Inc. operates as a bank holding company primarily engaged in providing commercial banking services through its subsidiary, Rhinebeck Bank. The company offers a range of financial products and services including checking and savings accounts; various types of loans such as commercial, residential mortgage, home equity, and consumer loans; as well as treasury management, cash management, and online banking services. It serves individuals, businesses, and commercial clients primarily in New York, with operations spanning local community markets. Founded in 1868, Rhinebeck Bancorp, Inc. is headquartered in Rhinebeck, New York. In the past 1-2 years, the company has focused on strategic initiatives to enhance its digital banking platform and expand its loan portfolio by introducing new lending products tailored to meet the evolving needs of its customers. Rhinebeck Bancorp has also engaged in strengthening partnerships with local businesses and community organizations to deepen its market presence while maintaining a strong emphasis on community banking values. These efforts align with a broader strategic shift toward expanding service accessibility and improving technological infrastructure. The company operates within the financial services industry, targeting retail customers, small to mid-sized businesses, and nonprofit organizations in its geographic footprint. Rhinebeck Bancorp functions as a locally focused financial institution, maintaining a strong presence through its subsidiary Rhinebeck Bank, which is the primary operating entity delivering banking services. There have been no recent reports of major acquisitions or rebranding efforts. Its business model combines traditional community banking with digital enhancements to serve the financial needs of a diverse customer base effectively. This description reflects Rhinebeck Bancorp’s comprehensive product offerings, recent strategic enhancements in digital banking and loan products, and its established role as a community-focused financial institution headquartered in Rhinebeck, New York.

Company News

APIChat
  • Rhinebeck Bancorp, Inc. Announces Commencement of Stock Offering

  • Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2026

  • Rhinebeck Bank Appoints Michael Vitale as Executive Vice President, Head of Commercial Banking

  • Rhinebeck Bank Partners with MANTL to Accelerate Digital Account Opening

  • Rhinebeck Bancorp, Inc. Announces Adoption of Plan of Conversion and Reorganization to Undertake Second Step Conversion

  • Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2025

  • Rhinebeck Bank Announces Retirement of Louis Tumolo, Jr., DVM from Board of Directors

  • Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended September 30, 2025

  • Rhinebeck Bancorp Appoints Matthew J. Smith as President and Chief Executive Officer

  • Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2025

  • Rhinebeck Bank Announces Retirement of Frederick Battenfeld from Board of Directors

  • Rhinebeck Bancorp A Bank Target?

  • Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2025

  • Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2025

  • Rhinebeck Bank President and CEO Michael J. Quinn to Retire After 40 Years of Service; Board Initiates Leadership Transition

  • Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2024

  • Rhinebeck Bancorp, Inc. Completes Further Balance Sheet Restructuring

  • Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended September 30, 2024

  • Rhinebeck Bancorp, Inc. Completes Balance Sheet Restructuring

  • Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2024