NASDAQ · Banks - Regional

Rhinebeck Bancorp, Inc. (RBKB) Stock

$12.93 +0.00% NASDAQ: RBKB Financial Services

Valuation

MetricValue
Price$12.93
Market Cap$202.17M
P/E Ratio14.29
P/B Ratio1.02
P/S Ratio3.39
EPS (TTM)$0.92
52-Week High$13.24
52-Week Low$6.74
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE7.20%
ROA0.67%
ROCE3.61%
Gross Margin17.11%
Operating Margin17.11%
Net Margin16.28%
Debt/Equity0.12
Current Ratio0.12

Annual Financials (USD)

Metric20212022202320242025
Revenue$51.0M$55.0M$66.0M$54.0M$76.0M
Operating Profit$15.0M$9.0M$6.0M$-11.0M$13.0M
Net Profit$12.0M$7.0M$4.0M$-9.0M$10.0M
EPS$1.06$0.64$0.40$-0.80$0.92
Op Margin29.3%16.3%8.5%-20.2%16.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.3B$1.3B$1.3B$1.3B$1.3B
Total Liabilities$1.2B$1.2B$1.2B$1.1B$1.2B
Cash$19.0M$17.0M$15.0M$19.0M$19.0M
Borrowings$23.0M$63.0M$133.0M$75.0M$30.0M

Latest News

Rhinebeck Bank Expands Commercial Banking Presence With New Westchester County Office ACCESS Newswire · Jul 15, 2026 Rhinebeck Bancorp, Inc. Announces Stockholder and Depositor Approvals of Pending Conversion Transaction ACCESS Newswire · Jun 29, 2026 Rhinebeck Bancorp, Inc. Announces Commencement of Stock Offering ACCESS Newswire · May 26, 2026 Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2026 ACCESS Newswire · Apr 23, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$8.0M$15.0M$7.0M$8.0M$12.0M
Investing Cash Flow$-138.0M$-125.0M$14.0M$74.0M$20.0M
Financing Cash Flow$139.0M$28.0M$-101.0M$-10.0M$76.0M
Net Cash Flow$-21.0M$-41.0M$-9.0M$15.0M$65.0M
Free Cash Flow$6.0M$14.0M$6.0M$8.0M$11.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.03
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y40.37%
Return 3Y144.66%
Return 5Y56.06%

Ownership

Insiders Held59.86%
Institutions Held20.48%
Institutions Float Held51.03%
Institutional HolderSharesReport Date
M3F, Inc.1,010,4202026-03-31
Alliancebernstein L.P.386,6082026-03-31
Vanguard Capital Management LLC184,4912026-03-31
Blackrock Inc.168,9262026-03-31
Geode Capital Management, LLC93,6092026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AFBI $22.98 +0.13% 17.43 $140.06M 0.00%
FGBIFirst Guaranty Bancshares, Inc. $8.94 +5.92% -3.22 $147.86M 0.48%
LSBKLake Shore Bancorp, Inc. $18.61 -0.53% 16.13 $146.16M 1.99%
MGYRMagyar Bancorp, Inc. $19.90 +3.54% 10.17 $128.46M 2.07%
PROVProvident Financial Holdings, Inc. $18.20 +0.05% 17.78 $113.46M 3.06%

About Rhinebeck Bancorp, Inc.

Rhinebeck Bancorp, Inc. is led by CEO Matthew J. Smith, employs 157 people, headquartered in US, publicly traded since 2019.

Rhinebeck Bancorp, Inc. (RBKB) stock trades at $12.93 with a market capitalization of $202.17M. The stock is valued at a price-to-earnings (P/E) ratio of 14.29, price-to-book of 1.02, price-to-sales of 3.39. Over the past 52 weeks the stock has ranged between $6.74 and $13.24, and currently trades 2.3% below its 52-week high.

On profitability, Rhinebeck Bancorp, Inc. generates a return on equity (ROE) of 7.20%, return on capital employed of 3.61%, an operating margin of 17.11%, a net profit margin of 16.28%.

Rhinebeck Bancorp, Inc. by the numbers, 2016–2025

Between 2016 and 2025 Rhinebeck Bancorp, Inc. reported revenue of $32.0M rising to $76.0M, a change of +137.5% across 10 years. Compounded, revenue has grown 7.5% a year over five years, 11.4% over three, 40.7% over the last twelve months. Net profit rose to $10.0M.

Operating margin went from 12.5% in 2016 to 16.7% in 2025, a gain of 4.3 percentage points. The most recent net margin is 16.28%. On a trailing twelve-month basis to Jun '26, revenue is $60.0M and net profit $10.0M.

Borrowings rose from $15.0M to $30.0M, cash from operations was $12.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 3.9% over five years, and was 7.3% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Rhinebeck Bancorp, Inc. (RBKB) — frequently asked questions

What is Rhinebeck Bancorp, Inc. (RBKB) stock price today?

Rhinebeck Bancorp, Inc. (RBKB) is currently trading at $12.93, up 0% today.

What is RBKB P/E ratio?

Rhinebeck Bancorp, Inc.'s P/E ratio is 14.29. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is RBKB return on equity (ROE)?

Rhinebeck Bancorp, Inc.'s return on equity (ROE) is 7.20%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is Rhinebeck Bancorp, Inc.'s market cap?

Rhinebeck Bancorp, Inc. has a market capitalization of $202.17M.

Does RBKB pay a dividend?

Rhinebeck Bancorp, Inc. is not currently showing a dividend yield in our data, which means no recent cash dividend was recorded for it.

How much debt does RBKB carry?

Rhinebeck Bancorp, Inc. has a debt-to-equity ratio of 0.12. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is RBKB's profit margin?

Rhinebeck Bancorp, Inc. reports a net profit margin of 16.28% — the share of revenue left after every cost, including tax and interest.

What sector is RBKB in?

Rhinebeck Bancorp, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is RBKB listed on?

Rhinebeck Bancorp, Inc. trades on NASDAQ under the ticker RBKB.

What is RBKB's 52-week range?

Over the last year Rhinebeck Bancorp, Inc. has traded between $6.74 and $13.24.

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Screens RBKB currently matches

On the figures above, Rhinebeck Bancorp, Inc. passes the filters for 1 of our ready-made screens, among them Micro Cap Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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