Rhinebeck Bancorp (RBKB) Stock Price, News & Analysis

Company Overview

Rhinebeck Bancorp, Inc. (NASDAQ: RBKB) is the bank holding company for Rhinebeck Bank, a community-focused financial institution headquartered in Rhinebeck, New York. Through its subsidiary, the company offers a full range of banking services including personal checking and savings accounts, business deposit products, residential mortgage lending and consumer loans. Rhinebeck Bancorp leverages its local presence to provide tailored financial solutions and responsive customer service to individuals and small businesses throughout the Hudson Valley region.

The origins of Rhinebeck Bank trace back to the late 19th century, reflecting more than a century of service to Ulster, Dutchess and neighboring counties. In 2019, the organization reorganized under a holding company structure, forming Rhinebeck Bancorp, Inc. to support strategic growth and regulatory efficiency. Today, the company operates multiple branch offices and ATM locations, complemented by online and mobile banking platforms that extend its reach beyond traditional branch networks.

In addition to deposit and lending activities, Rhinebeck Bancorp offers specialized wealth management, trust services and commercial cash‐management solutions designed to meet the needs of local families, professionals and entrepreneurs. The company’s leadership team comprises banking executives and community leaders who emphasize prudent risk management, personalized relationships and long-term financial stewardship. By maintaining strong ties to the communities it serves, Rhinebeck Bancorp aims to foster economic vitality across the Hudson Valley.

Key Stats

• Today's Range: $15.80 to $16.18
• 50-Day Range: $15.13 to $16.49
• 52-Week Range: $9.41 to $17.99
• Volume: 5,732 shs
• Average Volume: 13,497 shs
• Market Capitalization: $176.49 million
• P/E Ratio: 17.36
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Buy

Rhinebeck Bancorp Stock Analysis - MarketRank™

Rhinebeck Bancorp scored higher than 39% of companies evaluated by MarketBeat, and ranked 743rd out of 885 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

Rhinebeck Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Rhinebeck Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Rhinebeck Bancorp is 17.36, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.36.

Price to Earnings Ratio vs. Sector

The P/E ratio of Rhinebeck Bancorp is 17.36, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.13.

Price to Book Value per Share Ratio

Rhinebeck Bancorp has a P/B Ratio of 1.29. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.68% of the float of Rhinebeck Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Rhinebeck Bancorp has a short interest ratio ("days to cover") of 6.61.

Change versus previous month

Short interest in Rhinebeck Bancorp has recently decreased by 6.94%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Rhinebeck Bancorp does not currently pay a dividend.

Dividend Growth

Rhinebeck Bancorp does not have a long track record of dividend growth.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: N/A

News Sentiment

Rhinebeck Bancorp has a news sentiment score of 1.89. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Rhinebeck Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.4 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Rhinebeck Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

3.00% of the stock of Rhinebeck Bancorp is held by insiders.

Percentage Held by Institutions

23.88% of the stock of Rhinebeck Bancorp is held by institutions.

Company Calendar

• Last Earnings: 4/23/2026
• Today: 5/13/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:RBKB
• CIK: 1751783
• Web: www.rhinebeckbank.com
• Phone: (845) 454-8555
• Fax: N/A
• Employees: 200
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.91
• Trailing P/E Ratio: 17.36
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $10.05 million
• Net Margins: 13.20%
• Pretax Margin: 16.73%
• Return on Equity: 7.50%
• Return on Assets: 0.77%

Debt

• Debt-to-Equity Ratio: 0.22
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $75.84 million
• Price / Sales: 2.33
• Cash Flow: $0.99 per share
• Price / Cash Flow: 16.01
• Book Value: $12.28 per share
• Price / Book: 1.29

Miscellaneous

• Outstanding Shares: 11,170,000
• Free Float: 10,818,000
• Market Cap: $176.49 million
• Optionable: Not Optionable
• Beta: 0.16