8-K Announcements
6Material company update
Apr 23, 2026·SEC
Material company update
Feb 10, 2026·SEC
Material company update
Jan 29, 2026·SEC
Rhinebeck Bancorp, Inc.(RBKB)Earnings, Financials & Key Ratios
RBKB•NASDAQ•Banking & Credit
18.2× P/E·Price updated Jun 13, 2026
AboutRhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York. The company offers deposits; automobile loans; commercial real estate loans, including multi-family real estate loans, commercial construction, and land development loans; commercial business loans; and one-to four-family residential real estate loans. It also provides brokerage and financial services; and life insurance and investment products to individuals and businesses. As of December 31, 2021, the company operated through 15 branches and 2 representative offices in Dutchess, Ulster, Orange, and Albany counties. It also operates ATM located in Tivoli, New York. The company was founded in 1860 and is based in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates as a subsidiary of Rhinebeck Bancorp, MHC.Show more
- Net Interest Income$46M+21.3%
- Total Revenue$76M+39.8%
- Net Income$10M+216.5%
- Return on Equity7.77%+206.1%
- Net Interest Margin3.56%+17.1%
- Efficiency Ratio51.45%-24.3%
- ROA0.79%+217.0%
- Equity / Assets10.51%+8.4%
- Book Value per Share12.49+10.3%
- Tangible BV/Share12.27+10.6%
- Debt/Equity0.22-64.0%
RBKB Key Insights
Rhinebeck Bancorp, Inc. (RBKB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Strong NIM of 3.6%
- ✓Efficient operations: 51.4% efficiency ratio
- ✓Momentum leader: RS Rating 81 (top 19%)
- ✓Well capitalized: 10.5% equity/assets
- ✓Trading at only 1.3x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 1.5%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Get notified when RBKB posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
RBKB Price & Volume
Rhinebeck Bancorp, Inc. (RBKB) stock price & volume — 10-year historical chart
Loading chart...
RBKB Growth Metrics
Rhinebeck Bancorp, Inc. (RBKB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.96%
5 Years7.56%
3 Years11.63%
TTM-
Profit CAGR
10 Years27.9%
5 Years11.17%
3 Years12.81%
TTM216.53%
EPS CAGR
10 Years15.92%
5 Years10.84%
3 Years12.86%
TTM213.59%
Return on Capital
10 Years3.54%
5 Years2.76%
3 Years-0.1%
Last Year1.68%
RBKB Recent Earnings
Rhinebeck Bancorp, Inc. (RBKB) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 23, 2026EPS
$0.20
Revenue
$18M
Q1 2026
Jan 29, 2026EPS
$0.21
Revenue
$19M
Q4 2025
Oct 28, 2025EPS
$0.25
Revenue
$20M
Q3 2025
Jul 24, 2025EPS
$0.25
Revenue
$18M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.20 | $18M |
| Q1 2026 | Jan 29, 2026 | $0.21 | $19M |
| Q4 2025 | Oct 28, 2025 | $0.25 | $20M |
| Q3 2025 | Jul 24, 2025 | $0.25 | $18M |
Based on last 12 quarters of dataView full earnings history →
RBKB Peer Comparison
Rhinebeck Bancorp, Inc. (RBKB) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 206.63M | 21.46 | 14.70 | -9.41% | 16.01% | 7.81% | 0.28 | |
 NECB | 359.41M | 25.98 | 7.99 | -1.55% | 28.41% | 13.07% | 0.21 | |
 MNSB | 183.64M | 24.93 | 14.16 | -1.44% | 11.53% | 7.26% | 0.32 | |
 NBTB | 2.52B | 48.18 | 14.47 | 10.36% | 18.76% | 9.51% | 0.17 | |
 FXNC | 272.95M | 30.19 | 15.40 | 27.11% | 15.35% | 9.98% | 0.23 | |
 CFBK | 201.13M | 31.26 | 11.62 | 3.06% | 13.75% | 9.65% | 0.66 | |
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 8.56% | 4.56% | 0.90 | |
 TRST | 978.51M | 55.25 | 17 | 5.77% | 21.97% | 8.86% | 0.28 |
Compare RBKB vs Peers
Rhinebeck Bancorp, Inc. (RBKB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RBKB Income Statement
Rhinebeck Bancorp, Inc. (RBKB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 24.59M | 28.41M | 32.25M | 36.38M | 39.41M | 41.84M | 37.97M | 38.23M | 46.39M |
NII Growth % | 9.2% | 15.55% | 13.51% | 12.8% | 8.35% | 6.15% | -9.25% | 0.7% | 21.35% |
Net Interest Margin % | 3.31% | 3.22% | 3.31% | 3.22% | 3.08% | 3.13% | 2.89% | 3.04% | 3.56% |
Interest Income | 27.89M | 33.73M | 40.99M | 44.4M | 43.7M | 48.59M | 60.66M | 63.76M | 68.87M |
Interest Expense | 3.3M | 5.32M | 8.74M | 8.02M | 4.29M | 6.76M | 22.69M | 25.53M | 22.48M |
Loan Loss Provision | 900K | 2.1M | 2.46M | 7.14M | -3.67M | 1.41M | 1.7M | 2.8M | 1.66M |
Non-Interest Income | 6.38M | 5.55M | 5.63M | 8.29M | 7.41M | 5.93M | 5.73M | -9.5M | 6.97M |
Non-Interest Income % | 18.61% | 14.13% | 12.08% | 15.74% | 14.49% | 10.88% | 8.64% | -17.51% | 9.19% |
Total Revenue | 34.26M▲ 0% | 39.28M▲ 14.7% | 46.62M▲ 18.7% | 52.69M▲ 13.0% | 51.11M▼ 3.0% | 54.53M▲ 6.7% | 66.39M▲ 21.8% | 54.26M▼ 18.3% | 75.84M▲ 39.8% |
Revenue Growth % | 6.47% | 14.65% | 18.67% | 13.02% | -3% | 6.69% | 21.76% | -18.28% | 39.79% |
Non-Interest Expense | 23.46M | 26.49M | 27.93M | 30.05M | 35.49M | 37.46M | 36.38M | 36.87M | 39.02M |
Efficiency Ratio | 68.48% | 67.44% | 59.9% | 57.04% | 69.45% | 68.7% | 54.8% | 67.95% | 51.45% |
Operating Income | 6.6M▲ 0% | 5.37M▼ 18.6% | 7.49M▲ 39.5% | 7.48M▼ 0.2% | 14.99M▲ 100.5% | 8.9M▼ 40.7% | 5.61M▼ 36.9% | -10.94M▼ 294.8% | 12.69M▲ 216.0% |
Operating Margin % | 19.26% | 13.67% | 16.07% | 14.19% | 29.33% | 16.32% | 8.46% | -20.16% | 16.72% |
Operating Income Growth % | 64.59% | -18.62% | 39.49% | -0.21% | 100.52% | -40.66% | -36.89% | -294.82% | 215.98% |
Pretax Income | 6.6M▲ 0% | 5.37M▼ 18.6% | 7.49M▲ 39.5% | 7.48M▼ 0.2% | 14.99M▲ 100.5% | 8.9M▼ 40.7% | 5.61M▼ 36.9% | -10.94M▼ 294.8% | 12.69M▲ 216.0% |
Pretax Margin % | 19.26% | 13.67% | 16.07% | 14.19% | 29.33% | 16.32% | 8.46% | -20.16% | 16.72% |
Income Tax | 3.6M | 1.01M | 1.53M | 1.56M | 3.43M | 1.9M | 1.22M | -2.32M | 2.64M |
Effective Tax Rate % | 54.52% | 18.88% | 20.41% | 20.85% | 22.9% | 21.35% | 21.71% | 21.18% | 20.81% |
Net Income | 3M▲ 0% | 4.36M▲ 45.1% | 5.96M▲ 36.9% | 5.92M▼ 0.8% | 11.56M▲ 95.3% | 7M▼ 39.5% | 4.39M▼ 37.2% | -8.62M▼ 296.1% | 10.04M▲ 216.5% |
Net Margin % | 8.76% | 11.09% | 12.79% | 11.23% | 22.62% | 12.83% | 6.62% | -15.89% | 13.24% |
Net Income Growth % | 11.64% | 45.14% | 36.86% | -0.77% | 95.34% | -39.46% | -37.19% | -296.13% | 216.53% |
Net Income (Continuing) | 3M | 4.36M | 5.96M | 5.92M | 11.56M | 7M | 4.39M | -8.62M | 10.04M |
EPS (Diluted) | 0.72▲ 0% | 1.05▲ 45.8% | 0.56▼ 46.7% | 0.55▼ 1.8% | 1.06▲ 92.7% | 0.64▼ 39.6% | 0.40▼ 37.5% | -0.80▼ 300.0% | 0.92▲ 215.0% |
EPS Growth % | 10.77% | 45.83% | -46.67% | -1.79% | 92.73% | -39.62% | -37.5% | -300% | 215% |
EPS (Basic) | 0.72 | 1.05 | 0.56 | 0.55 | 1.07 | 0.65 | 0.41 | -0.80 | 0.93 |
Diluted Shares Outstanding | 4.16M | 4.16M | 10.71M | 10.74M | 10.95M | 11M | 10.86M | 10.76M | 10.96M |
RBKB Balance Sheet
Rhinebeck Bancorp, Inc. (RBKB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 123.76M | 151.9M | 126.81M | 196.42M | 299.73M | 240.47M | 159.05M | 147.24M | 179.12M |
Cash & Due from Banks | 10.46M | 50.59M | 11.98M | 93.48M | 19.45M | 16.82M | 14.61M | 19.18M | 16.92M |
Short Term Investments | 113.3M | 101.31M | 114.83M | 102.93M | 280.28M | 223.66M | 144.45M | 128.07M | 162.2M |
Total Investments | 681.39M | 779.71M | 908.3M | 976.75M | 1.14B | 1.22B | 1.2B | 1.13B | 1.12B |
Investments Growth % | 4.11% | 14.43% | 16.49% | 7.54% | 16.23% | 7.29% | -1.41% | -5.76% | -1.43% |
Long-Term Investments | 568.09M | 678.4M | 793.47M | 873.81M | 854.97M | 994.37M | 1.06B | 1B | 1.01B |
Accounts Receivables | 2.15M | 2.52M | 2.9M | 3.82M | 3.37M | 4.25M | 4.62M | 4.43M | 958.27M |
Goodwill & Intangibles | 1.83M | 1.69M | 1.65M | 1.61M | 2.67M | 2.57M | 2.48M | 2.4M | 2.34M |
Goodwill | 1.5M | 1.41M | 1.41M | 1.41M | 2.23M | 2.23M | 2.23M | 2.23M | 2.23M |
Intangible Assets | 326K | 284K | 241K | 199K | 433K | 334K | 246K | 166K | 106K |
PP&E (Net) | 17.02M | 17.04M | 18.34M | 18.84M | 19.18M | 18.72M | 17.57M | 14.11M | 13.62M |
Other Assets | 26.22M | 27.93M | 28.52M | 30.63M | 97.9M | 65.46M | 63.16M | 75.81M | -1.01B |
Total Current Assets | 125.91M | 154.43M | 129.71M | 200.24M | 303.1M | 244.73M | 163.67M | 151.68M | 1.14B |
Total Non-Current Assets | 616.19M | 728M | 844.23M | 928.59M | 978.07M | 1.09B | 1.15B | 1.1B | 20.9M |
Total Assets | 742.1M▲ 0% | 882.42M▲ 18.9% | 973.95M▲ 10.4% | 1.13B▲ 15.9% | 1.28B▲ 13.5% | 1.34B▲ 4.3% | 1.31B▼ 1.7% | 1.26B▼ 4.4% | 1.3B▲ 3.7% |
Asset Growth % | 2.71% | 18.91% | 10.37% | 15.9% | 13.5% | 4.28% | -1.7% | -4.37% | 3.66% |
Return on Assets (ROA) | 0.41% | 0.54% | 0.64% | 0.56% | 0.96% | 0.53% | 0.33% | -0.67% | 0.79% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 20.05M | 41.75M | 71.46M | 55.83M | 23.2M | 62.88M | 133.22M | 74.93M | 30.31M |
Net Debt | 9.6M | -8.84M | 59.48M | -37.66M | 3.75M | 46.06M | 118.61M | 55.75M | 13.39M |
Long-Term Debt | 20.05M | 36.75M | 71.46M | 55.83M | 23.2M | 62.88M | 133.22M | 54.93M | 30.31M |
Short-Term Debt | 0 | 5M | 0 | 0 | 0 | 0 | 0 | 20M | 0 |
Other Liabilities | 7.28M | 86.87M | 8.11M | 8.49M | 9.13M | 9.73M | 35.8M | 38.22M | 1.13B |
Total Current Liabilities | 659.79M | 699.53M | 784.5M | 948.01M | 1.12B | 1.16B | 1.03B | 1.04B | 2.31M |
Total Non-Current Liabilities | 27.34M | 123.62M | 79.56M | 64.32M | 32.33M | 72.61M | 169.01M | 93.15M | 1.16B |
Total Liabilities | 687.13M | 823.15M | 864.06M | 1.01B | 1.16B | 1.23B | 1.2B | 1.13B | 1.16B |
Total Equity | 54.98M▲ 0% | 59.28M▲ 7.8% | 109.88M▲ 85.4% | 116.5M▲ 6.0% | 125.97M▲ 8.1% | 108.13M▼ 14.2% | 113.69M▲ 5.1% | 121.83M▲ 7.2% | 136.85M▲ 12.3% |
Equity Growth % | 4.68% | 7.82% | 85.37% | 6.02% | 8.13% | -14.16% | 5.14% | 7.17% | 12.33% |
Equity / Assets (Capital Ratio) | 7.41% | 6.72% | 11.28% | 10.32% | 9.83% | 8.09% | 8.66% | 9.7% | 10.51% |
Return on Equity (ROE) | 5.59% | 7.63% | 7.05% | 5.23% | 9.53% | 5.98% | 3.96% | -7.32% | 7.77% |
Book Value per Share | 13.21 | 14.24 | 10.26 | 10.85 | 11.50 | 9.83 | 10.47 | 11.32 | 12.49 |
Tangible BV per Share | 12.77 | 13.83 | 10.11 | 10.70 | 11.26 | 9.59 | 10.24 | 11.10 | 12.27 |
Common Stock | 0 | 0 | 111K | 113K | 113K | 113K | 111K | 111K | 112K |
Additional Paid-in Capital | 100K | 100K | 45.87M | 46.04M | 46.57M | 47.08M | 45.96M | 45.95M | 45.71M |
Retained Earnings | 61.83M | 66.19M | 72.15M | 78.07M | 89.63M | 96.62M | 100.39M | 91.77M | 101.8M |
Accumulated OCI | -6.96M | -7.01M | -4.1M | -3.79M | -6.63M | -32.19M | -29.5M | -12.94M | -10.77M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
RBKB Cash Flow Statement
Rhinebeck Bancorp, Inc. (RBKB) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 5.39M | 8.61M | 12.11M | 14.85M | 7.65M | 14.79M | 7.05M | 8.47M | 11.74M |
Operating CF Growth % | 9.94% | 59.79% | 40.69% | 22.57% | -48.45% | 93.35% | -52.36% | 20.18% | 38.64% |
Net Income | 3M | 4.36M | 5.96M | 5.92M | 11.56M | 7M | 4.39M | -8.62M | 10.04M |
Depreciation & Amortization | 1.21M | 1.19M | 1.33M | 1.42M | 1.66M | 1.65M | 1.49M | 1.42M | 0 |
Deferred Taxes | 1.92M | 102K | -94K | -1.53M | 1.11M | 14K | -352K | -2.58M | 0 |
Other Non-Cash Items | -1.69M | 4.1M | 2.6M | 7.18M | -4.59M | 5.55M | 1.43M | 19.39M | 4.97M |
Working Capital Changes | 945K | -1.14M | 2.07M | 1.47M | -2.92M | -255K | -475K | -1.35M | -3.28M |
Cash from Investing | -23.96M | -104.07M | -132.08M | -74.12M | -135.73M | -123.61M | 14.7M | 74.75M | 21.16M |
Purchase of Investments | -23.7M | -3.88M | -41.08M | -39.22M | -244.63M | -30.22M | 0 | -71.43M | 0 |
Sale/Maturity of Investments | 49.48M | 17.11M | 30.26M | 52.03M | 62.23M | 54.22M | 34.07M | 107.15M | 0 |
Net Investment Activity | 25.78M | 13.22M | -10.82M | 12.81M | -182.4M | 24M | 34.07M | 35.72M | 0 |
Acquisitions | 3.44M | 0 | 0 | 0 | 32.77M | 0 | 0 | 0 | 0 |
Other Investing | -52.49M | -116.15M | -118.68M | -85.06M | 15.68M | -146.48M | -18.79M | 39.81M | 21.16M |
Cash from Financing | 16.06M | 135.59M | 81.36M | 140.78M | 106.69M | 68.11M | -31M | -67.86M | 31.6M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | -41.08M | 0 | -125K | -111K | -1.46M | 0 | -95K |
Stock Issued | 0 | 79.14M | 9.81M | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 79.14M | -31.27M | 0 | -125K | -111K | -1.46M | 0 | -95K |
Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
Other Financing | 10.66M | 34.75M | 82.92M | 156.41M | 139.44M | 28.54M | -99.89M | -9.57M | 76.31M |
Net Change in Cash | -2.52M▲ 0% | 40.13M▲ 1695.0% | -38.61M▼ 196.2% | 81.51M▲ 311.1% | -21.39M▼ 126.2% | -40.71M▼ 90.3% | -9.26M▲ 77.3% | 15.36M▲ 265.9% | 64.5M▲ 320.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 12.98M | 10.46M | 50.59M | 11.98M | 93.48M | 72.09M | 31.38M | 22.13M | 37.48M |
Cash at End | 10.46M | 50.59M | 11.98M | 93.48M | 72.09M | 31.38M | 22.13M | 37.48M | 101.99M |
Interest Paid | 3.3M | 5.14M | 8.63M | 8.31M | 0 | 6.07M | 21.98M | 26.08M | 22.35M |
Income Taxes Paid | 1.41M | 625K | 1.69M | 3.4M | 0 | 1.9M | 1.5M | 874K | 603K |
Free Cash Flow | 4.69M▲ 0% | 7.46M▲ 59.1% | 9.52M▲ 27.6% | 12.98M▲ 36.3% | 5.88M▼ 54.7% | 13.66M▲ 132.4% | 6.47M▼ 52.6% | 7.68M▲ 18.7% | 10.89M▲ 41.9% |
FCF Growth % | 22.14% | 59.1% | 27.61% | 36.29% | -54.71% | 132.44% | -52.65% | 18.69% | 41.85% |
RBKB Banking Ratios
Rhinebeck Bancorp, Inc. (RBKB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 5.2% | 5.59% | 7.63% | 7.05% | 5.23% | 9.53% | 5.98% | 3.96% | -7.32% | 7.77% |
| Return on Assets (ROA) | 0.39% | 0.41% | 0.54% | 0.64% | 0.56% | 0.96% | 0.53% | 0.33% | -0.67% | 0.79% |
| Net Interest Margin | 3.12% | 3.31% | 3.22% | 3.31% | 3.22% | 3.08% | 3.13% | 2.89% | 3.04% | 3.56% |
| Efficiency Ratio | 74.33% | 68.48% | 67.44% | 59.9% | 57.04% | 69.45% | 68.7% | 54.8% | 67.95% | 51.45% |
| Equity / Assets | 7.27% | 7.41% | 6.72% | 11.28% | 10.32% | 9.83% | 8.09% | 8.66% | 9.7% | 10.51% |
| Book Value / Share | 12.62 | 13.21 | 14.24 | 10.26 | 10.85 | 11.5 | 9.83 | 10.47 | 11.32 | 12.49 |
| NII Growth | - | 9.2% | 15.55% | 13.51% | 12.8% | 8.35% | 6.15% | -9.25% | 0.7% | 21.35% |
Related:RBKB Dividend History·RBKB Revenue History·RBKB Price History·RBKB P/E History·RBKB Financial Ratios·RBKB Institutional Holders
RBKB SEC Filings & Documents
Rhinebeck Bancorp, Inc. (RBKB) SEC filings — annual & quarterly reports (10-K, 10-Q)
RBKB Frequently Asked Questions
Rhinebeck Bancorp, Inc. (RBKB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Rhinebeck Bancorp, Inc. (RBKB) grew revenue by 39.8% over the past year. This is strong growth.
Yes, Rhinebeck Bancorp, Inc. (RBKB) is profitable, generating $10.0M in net income for fiscal year 2025 (13.2% net margin).
Dividend & Returns
Rhinebeck Bancorp, Inc. (RBKB) has a return on equity (ROE) of 7.8%. This is below average, suggesting room for improvement.
Industry Metrics
Rhinebeck Bancorp, Inc. (RBKB) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
Rhinebeck Bancorp, Inc. (RBKB) has an efficiency ratio of 51.4%. This is excellent, indicating strong cost control.