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RBKBRhinebeck Bancorp, Inc.
$17.08$190M
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RBKB logoRhinebeck Bancorp, Inc.(RBKB)Earnings, Financials & Key Ratios

RBKB•NASDAQ•Banking & Credit
$17.08
18.6× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
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%

RBKB Price & Volume

Rhinebeck Bancorp, Inc. (RBKB) stock price & volume — 10-year historical chart

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Stagnant Asset Growth Limits Core Margin Expansion

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Adequate
Cash Flow:Stable
Primary Risk:Geographic and credit concentration

Key Thesis Takeaways

  • Rhinebeck Bancorp maintains a conservative, capital-preserved posture with total assets locked at $1.3 billion for ten consecutive quarters, reflecting a strategic focus on stability over expansion.
  • While operational discipline has improved the efficiency ratio to 53.9% as of 2026Q1, the bank's heavy reliance on a $1.2 billion investment securities portfolio leaves earnings highly sensitive to interest rate fluctuations.
  • Investors should monitor the persistent 0.9% net interest margin and the volatility in credit provisioning, which may indicate ongoing risks within the indirect auto loan portfolio.

Verdict Logic

while the bank has returned to profitability with $2.2 million in 2026Q1 net income, the lack of asset growth and a 18.90 P/E ratio suggest limited upside potential in the current interest rate environment.

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%
TTM233.81%

EPS CAGR

10 Years15.92%
5 Years10.84%
3 Years12.86%
TTM230.02%

Return on Capital

10 Years3.98%
5 Years3.64%
3 Years1.37%
Last Year6.07%

RBKB Recent Earnings

Rhinebeck Bancorp, Inc. (RBKB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.20
—
Rev
$18M
—
Q1 2026
Jan 29, 2026
Metric
Actual
Est
EPS
$0.21
—
Rev
$19M
—
Q4 2025
Oct 28, 2025
Metric
Actual
Est
EPS
$0.25
—
Rev
$20M
—
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$0.25
—
Rev
$18M
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.20
$18M
Q1 2026Jan 29, 2026
$0.21
$19M
Q4 2025Oct 28, 2025
$0.25
$20M
Q3 2025Jul 24, 2025
$0.25
$18M
Based on last 12 quarters of dataView full earnings history →

Latest RBKB News

Recent stock market news and headlines for Rhinebeck Bancorp, Inc. (RBKB)

Accesswire·Jun 29, 2026
Rhinebeck Bancorp, Inc. Announces Stockholder and Depositor Approvals of Pending Conversion Transaction

POUGHKEEPSIE, NY / ACCESS Newswire / June 29, 2026 / Rhinebeck Bancorp, Inc. (NASDAQ:RBKB) (the "Company"), the holding company for Rhinebeck Bank (the "Bank"), announced that at special meetings held on June 29, 2026, the stockholders of the Company and the depositors of the Bank approved the Amended and Restated Plan of Conversion and Reorganization, whereby Rhinebeck Bancorp, MHC, the mutual holding company for the Company and the Bank, will convert from the mutual holding company structure to the fully public stock holding company structure. The closing of the conversion and related stock offering remains subject to receipt of final regulatory approvals, the sale of at least 6,587,500 shares of common stock, and customary closing conditions.

Peers Comparison

Key metrics vs top competitors for Rhinebeck Bancorp, Inc. (RBKB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
RBKB logoRBKBRhinebeck Bancorp, Inc.Current
$17.08$189.6M18.5739.79%13.24%7.77%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.29$224.61M15.95-9.41%16.49%8%—
NECB logoNECBNortheast Community Bancorp, Inc.
$26.75$370.06M8.23-1.55%28.51%12.62%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.06$171.21M13.67-1.44%12.96%7.98%—
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
FXNC logoFXNCFirst National Corporation
$29.30$264.9M14.9527.11%18.05%11.51%—

Compare RBKB vs Peers

Rhinebeck Bancorp, Inc. (RBKB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for RBKB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare RBKB against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, NECB, MNSB, NBTB

RBKB SEC Filings & Documents

Rhinebeck Bancorp, Inc. (RBKB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 26, 2026·SEC

Material company update

May 19, 2026·SEC

Material company update

May 14, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 25, 2025·SEC

FY 2024

Mar 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 14, 2026·SEC

FY 2025

Nov 13, 2025·SEC

FY 2025

Aug 12, 2025·SEC

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RBKB Frequently Asked Questions

Rhinebeck Bancorp, Inc. (RBKB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Rhinebeck Bancorp, Inc. growing?

Rhinebeck Bancorp, Inc. (RBKB) grew revenue by 39.8% over the past year. This is strong growth.

Is RBKB profitable?

Yes, Rhinebeck Bancorp, Inc. (RBKB) is profitable, generating $10.0M in net income for fiscal year 2025 (13.2% net margin).

Dividend & Returns
What is RBKB's return on equity?

Rhinebeck Bancorp, Inc. (RBKB) has a return on equity (ROE) of 7.8%. This is below average, suggesting room for improvement.

Industry Metrics
What is Rhinebeck Bancorp, Inc.'s net interest margin?

Rhinebeck Bancorp, Inc. (RBKB) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

What is Rhinebeck Bancorp, Inc.'s efficiency ratio?

Rhinebeck Bancorp, Inc. (RBKB) has an efficiency ratio of 51.4%. This is excellent, indicating strong cost control.

What if you invested $1,000 in RBKB back in 2013?

Total return calculator · dividends reinvested · 13+ years of data

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