Rhinebeck Bancorp Inc (RBKB)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$12.85

-0.01 (-0.08%)

Market Cap: $201.08M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Jul 23, 2026Reported Jul 23	$0.24	N/A	-	N/A	Beat	-	-	-3.6%
Mar 31, 2026Mar 26 Reported Apr 23, 2026Reported Apr 23	$0.20	N/A	-	N/A	Beat	-	-	-3.7%
Dec 31, 2025Dec 25 Reported Jan 29, 2026Reported Jan 29	$0.21	$0.00	-	N/A	Beat	-	-	+185.2%
Sep 30, 2025Sep 25 Reported Oct 28, 2025Reported Oct 28	$0.25	N/A	-	N/A	Beat	-	-	+132.8%
Jun 30, 2025Jun 25 Reported Jul 24, 2025Reported Jul 24	$0.25	N/A	-	N/A	Beat	-	-	+176.2%
Mar 31, 2025Mar 25 Reported Apr 24, 2025Reported Apr 24	$0.21	N/A	-	N/A	Beat	-	-	+102.6%
Dec 31, 2024Dec 24 Reported Mar 25, 2025Reported Mar 25	$-0.25	N/A	-	N/A	Beat	-	-	-384.9%
Sep 30, 2024Sep 24 Reported Oct 24, 2024Reported Oct 24	$-0.75	N/A	-	N/A	Beat	-	-	-752.1%
Jun 30, 2024Jun 24 Reported Jul 25, 2024Reported Jul 25	$0.09	N/A	-	N/A	Beat	-	-	-31.5%
Mar 31, 2024Mar 24 Reported Apr 25, 2024Reported Apr 25	$0.10	N/A	-	N/A	Beat	-	-	+42.8%
Dec 31, 2023Dec 23 Reported Mar 26, 2024Reported Mar 26	$0.09	N/A	-	N/A	Beat	-	-	+18.0%
Sep 30, 2023Sep 23 Reported Oct 26, 2023Reported Oct 26	$0.11	N/A	-	N/A	Beat	-	-	-39.5%
Jun 30, 2023Jun 23 Reported Jul 27, 2023Reported Jul 27	$0.13	N/A	-	N/A	Beat	-	-	-26.9%
Mar 31, 2023Mar 23 Reported May 11, 2023Reported May 11	$0.07	N/A	-	N/A	Beat	-	-	-61.9%
Dec 31, 2022Dec 22 Reported Mar 23, 2023Reported Mar 23	$0.07	N/A	-	N/A	Beat	-	-	-72.9%
Sep 30, 2022Sep 22 Reported Oct 27, 2022Reported Oct 27	$0.19	N/A	-	N/A	Beat	-	-	-24.0%
Jun 30, 2022Jun 22 Reported Jul 28, 2022Reported Jul 28	$0.18	N/A	-	N/A	Beat	-	-	-21.7%
Mar 31, 2022Mar 22 Reported Apr 28, 2022Reported Apr 28	$0.19	N/A	-	N/A	Beat	-	-	-38.7%
Dec 31, 2021Dec 21 Reported Mar 22, 2022Reported Mar 22	$0.27	N/A	-	N/A	Beat	-	-	+22.7%
Sep 30, 2021Sep 21 Reported Oct 28, 2021Reported Oct 28	$0.25	N/A	-	N/A	Beat	-	-	+127.3%
Jun 30, 2021Jun 21 Reported Jul 29, 2021Reported Jul 29	$0.23	N/A	-	N/A	Beat	-	-	+76.9%
Mar 31, 2021Mar 21 Reported Apr 29, 2021Reported Apr 29	$0.31	N/A	-	N/A	Beat	-	-	+210.0%
Dec 31, 2020Dec 20 Reported Mar 25, 2021Reported Mar 25	$0.22	N/A	-	N/A	Beat	-	-	+37.5%
Sep 30, 2020Sep 20 Reported Oct 29, 2020Reported Oct 29	$0.11	N/A	-	N/A	Beat	-	-	-45.0%
Jun 30, 2020Jun 20 Reported Jul 30, 2020Reported Jul 30	$0.13	N/A	-	N/A	Beat	-	-	+18.2%
Mar 31, 2020Mar 20 Reported May 1, 2020Reported May 1	$0.10	N/A	-	N/A	Beat	-	-	+25.0%
Dec 31, 2019Dec 19 Reported Mar 26, 2020Reported Mar 26	$0.16	N/A	-	N/A	Beat	-	-	+45.5%
Sep 30, 2019Sep 19 Reported Oct 31, 2019Reported Oct 31	$0.20	N/A	-	N/A	Beat	-	-	+233.3%
Jun 30, 2019Jun 19 Reported Jul 26, 2019Reported Jul 26	$0.11	N/A	-	N/A	Beat	-	-	-
Mar 31, 2019Mar 19 Reported May 14, 2019Reported May 14	$0.08	N/A	-	N/A	Beat	-	-	-
Dec 31, 2018Dec 18 Reported Mar 29, 2019Reported Mar 29	$0.11	$0.00	-	N/A	Beat	-	-	-
Sep 30, 2018Sep 18 Reported Dec 21, 2018Reported Dec 21	$0.06	$0.00	-	N/A	Beat	-	-	-

Key Metrics

Valuation
P/E Ratio	14.32	EV/EBITDA	9.40x
Price/FCF	10.94x	FCF Yield	9.14%
Profitability
Profit Margin	19.00%	Operating Margin	27.20%
ROE	7.35%	ROIC	6.58%
Financial Health
Debt/Equity	0.07x	Interest Coverage	0.56x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.17	Avg Volume	134.19K
52-Week High	$13.29	52-Week Low	$6.74

Technical Indicators Dashboard

Moving Averages

SMA 10$12.98

SMA 20$12.93

SMA 50$12.81

SMA 200$14.48

EMA 10$12.91

EMA 20$12.91

EMA 50$13.17

EMA 200$13.80

MACD

Line: -0.02Signal: -0.01Hist: -0.01

ADX

ADX: 9.7+DI: 19.0-DI: 19.1

Aroon & PSAR

Aroon Up72.0

Aroon Down12.0

PSAR$13.02

Bollinger Bands

Upper Band$13.24

Lower Band$12.62

%B Position478%(Upper)

Band Width0.37

RSI (14-Day)

Neutral

46.6

Momentum Oscillators

Stoch %K32.8

Stoch %D33.5

Williams %R-69.0

ROC (10d)-0.5%

Momentum-0.07

CCI (20d)-27.8

MFI (14d)57.6

Volatility Measures

ATR (14d)$0.21(1.6%)

StdDev (20d)0.15

Hist Vol16.1%(Low)

Volume Flow

VWAP$12.89

OBV1.8M

AD Line1.8M

CMF (20d)-0.072

Volume Metrics

Avg Vol (20d)124.7K

Vol Ratio0.4x(Low)

VWMA (20d)$12.96

Pivot Points

R3$13.10

R2$13.02

R1$12.94

Pivot Point$12.86

S1$12.78

S2$12.70

S3$12.62

Advanced Oscillators

TSI-1.61

Ultimate Osc39.1

KST11.73

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$13.38M	$12.66M	$13.51M	$13.97M	$13.09M	$12.79M	$7.99M	$-329,000	$10.65M	$10.40M	$10.54M	$11.30M
Cost of Revenue	N/A	$5.49M	$6.39M	$6.63M	$5.16M	$5.95M	$7.19M	$7.23M	$7.09M	$6.82M	$6.67M	$6.79M
Gross Profit	N/A	$12.59M	$13.01M	$13.07M	$13.20M	$12.44M	$6.61M	$-1,218,000	$10.20M	$10.34M	$10.30M	$10.39M

Operating Expenses	$10.01M	$9.74M	$10.08M	$9.73M	$9.71M	$9.51M	$9.94M	$9.08M	$8.95M	$8.88M	$9.12M	$8.81M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$2.85M	$2.93M	$3.34M	$3.49M	$2.93M	$-3,337,000	$-10,299,000	$1.26M	$1.44M	$1.19M	$1.58M

Interest Income	$17.01M	$16.61M	$17.72M	$17.76M	$16.75M	$16.64M	$15.98M	$16.00M	$15.68M	$15.55M	$15.58M	$15.53M
Interest Expense	$5.38M	$5.42M	$5.89M	$5.72M	$5.26M	$5.60M	$5.81M	$6.34M	$6.64M	$6.74M	$6.44M	$5.88M
Income Before Tax	$3.38M	$2.85M	$2.93M	$3.34M	$3.49M	$2.93M	$-3,337,000	$-10,299,000	$1.26M	$1.44M	$1.19M	$1.58M
Income Tax Expense	$762,000	$635,000	$591,000	$648,000	$762,000	$639,000	$-683,000	$-2,237,000	$282,000	$321,000	$261,000	$343,000

Net Income	$2.62M	$2.22M	$2.34M	$2.69M	$2.73M	$2.29M	$-2,654,000	$-8,062,000	$975,000	$1.12M	$930,000	$1.24M

EBITDA	$3.63M	$3.14M	$3.35M	$3.55M	$3.82M	$3.17M	$-3,094,000	$-9,915,000	$1.67M	$1.87M	$1.61M	$2.05M
EBIT	$3.38M	$2.85M	$2.93M	$3.34M	$3.49M	$2.93M	$-3,337,000	$-10,299,000	$1.26M	$1.44M	$1.19M	$1.58M

* Some calculated fields are derived from available data when not provided by source

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Be the first to write about RBKB

News

Rhinebeck Bank Opens Rye Brook Branch to Advance Westchester Expansion

Rhinebeck Bank has opened a new branch in Rye Brook, New York, located at 800 Westchester Avenue, as part of its expansion into Westchester County. This new branch combines retail and commercial banking services in one...

Democrat and Chronicle•Oct 6, 2026 10:11 PM ET10/6/26•Bullish

Rhinebeck Bank CFO Kevin Nihill among employees given non-renewal of change-in-control agreements

Rhinebeck Bank has informed several employees, including CFO Kevin Nihill, that their change-in-control agreements will not be renewed and will expire on December 31...

TradingView•Oct 6, 2026 4:55 PM ET10/6/26•Neutral

Change-in-control pacts expire December 31, 2027, including the CFO's at Rhinebeck Bancorp (RBKB).

Rhinebeck Bancorp, Inc.'s wholly owned subsidiary, Rhinebeck Bank, will not renew its change-in-control agreements, including one for CFO Kevin Nihill. These agreements are set to expire on December 31...

Stock Titan•Oct 6, 2026 4:54 PM ET10/6/26•Neutral

Rhinebeck Bank Opens Rye Brook Branch to Advance Westchester Expansion

Rhinebeck Bank, a subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), has opened a new branch in Rye Brook, New York...

Corsicana Daily Sun•Oct 6, 2026 2:58 PM ET10/6/26•Bullish

Rhinebeck Bank opens new Rye Brook branch in Westchester County

Rhinebeck Bank has opened a new branch in Rye Brook, Westchester County, located at 800 Westchester Avenue. This new facility combines both retail and commercial banking operations...

StreetInsider•Oct 6, 2026 6:29 AM ET10/6/26•Bullish

RBKB Valuation and Fair Value

P/E: 14.3x
EV/EBITDA: 9.4x
P/FCF: 10.9x
P/B: 1.0x

See GNG's fair value

RBKB Profitability: Margins, ROIC and FCF

Operating margin: 27.2%
Net margin: 19.0%
ROIC: 6.6%
ROE: 7.3%
FCF margin: 23.8%
FCF yield: 9.1%

RBKB Competitors

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PennantPark Investment Corporation	PNNT
Legato Merger Corp. III	LEGT

Sector: Financial Services

RBKB Bull Case vs Bear Case

Bull case

RBKB converts 23.8% of revenue into free cash flow.

Frequently Asked Questions About RBKB

Does RBKB pay dividends?

Rhinebeck Bancorp Inc (RBKB) does not currently pay a regular dividend.

What is RBKB's P/E ratio?

Rhinebeck Bancorp Inc has a price-to-earnings (P/E) ratio of 14.32.

What is RBKB's market cap?

Rhinebeck Bancorp Inc (RBKB) has a market capitalization of $201.08M with a current stock price of $12.85.

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Earnings

Key Metrics

Technical Indicators Dashboard

Moving Averages

MACD

ADX

Aroon & PSAR

Bollinger Bands

RSI (14-Day)

Momentum Oscillators

Volatility Measures

Volume Flow

Volume Metrics

Pivot Points

Advanced Oscillators

Financial Data

Related GNG Research

News

Rhinebeck Bank Opens Rye Brook Branch to Advance Westchester Expansion

Rhinebeck Bank CFO Kevin Nihill among employees given non-renewal of change-in-control agreements

Change-in-control pacts expire December 31, 2027, including the CFO's at Rhinebeck Bancorp (RBKB).

Rhinebeck Bank Opens Rye Brook Branch to Advance Westchester Expansion

Rhinebeck Bank opens new Rye Brook branch in Westchester County

RBKB Valuation and Fair Value

RBKB Profitability: Margins, ROIC and FCF

RBKB Competitors

RBKB Bull Case vs Bear Case

Bull case

Frequently Asked Questions About RBKB

Related stocks

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