Rhinebeck Bancorp (RBKB) Stock Price, News & Analysis

Company Overview

Rhinebeck Bancorp, Inc. is the bank holding company for Rhinebeck Bank, a full-service community bank headquartered in Rhinebeck, New York. Through its subsidiary, the company provides a comprehensive suite of deposit and loan products tailored to meet the needs of individuals, small businesses, and nonprofit organizations. Its deposit services include personal and business checking accounts, savings accounts, money market accounts and certificates of deposit, each designed to offer competitive rates with convenient access options.

On the lending side, Rhinebeck Bancorp offers a variety of credit solutions, including residential mortgages, home equity lines of credit, commercial real estate loans, agricultural loans and consumer installment loans. The bank’s lending professionals work closely with clients to structure financing that supports home purchases, business expansion, working capital requirements and other strategic objectives. In addition, the company provides cash management services and electronic banking platforms, enabling customers to manage their accounts, initiate payments and monitor cash flow through secure digital channels.

Founded in 1860, Rhinebeck Bank has served communities along the Hudson River for more than a century and a half. The company operates several branch locations across Dutchess, Columbia and Ulster counties in New York State, along with ATM networks and online banking capabilities. This regional focus allows Rhinebeck Bancorp to maintain close relationships with its customers and respond swiftly to local economic trends, while also supporting community development initiatives and nonprofit partnerships within its service area.

Leadership at Rhinebeck Bancorp comprises seasoned banking professionals with deep roots in the Hudson Valley. The company’s executive team is led by a President and Chief Executive Officer, supported by a board of directors with expertise in finance, risk management and community governance. Under their guidance, Rhinebeck Bancorp continues to emphasize personalized service, prudent lending practices and sustainable growth, strengthening its position as a trusted financial partner in upstate New York.

Key Stats

• Today's Range: $11.67 to $11.90
• 50-Day Range: $10.90 to $12.41
• 52-Week Range: $7.30 to $12.73
• Volume: 23,947 shs
• Average Volume: 10,869 shs
• Market Capitalization: $131.54 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Rhinebeck Bancorp Stock Analysis - MarketRank™

Rhinebeck Bancorp scored higher than 5% of companies evaluated by MarketBeat, and ranked 922nd out of 936 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Rhinebeck Bancorp.

Earnings and Valuation

• Score: 0.0 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Rhinebeck Bancorp is -16.93, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Rhinebeck Bancorp is -16.93, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Rhinebeck Bancorp has a P/B Ratio of 1.08. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.72% 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 5.8.

Change versus previous month

Short interest in Rhinebeck Bancorp has recently increased by 652.15%, indicating that investor sentiment is decreasing 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.72% 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 5.8.

Change versus previous month

Short interest in Rhinebeck Bancorp has recently increased by 652.15%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.3 / 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 0.95 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: 0.0 / 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

Only 5.64% of the stock of Rhinebeck Bancorp is held by insiders.

Percentage Held by Institutions

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

RBKB Stock Analysis - Frequently Asked Questions

How have RBKB shares performed this year?

Rhinebeck Bancorp's stock was trading at $9.67 on January 1st, 2025. Since then, RBKB shares have increased by 22.5% and is now trading at $11.85.

How were Rhinebeck Bancorp's earnings last quarter?

Rhinebeck Bancorp, Inc. (NASDAQ:RBKB) announced its quarterly earnings results on Thursday, April, 24th. The company reported $0.21 EPS for the quarter. The company earned $12.79 million during the quarter. Rhinebeck Bancorp had a negative net margin of 13.43% and a positive trailing twelve-month return on equity of 4.29%.

How do I buy shares of Rhinebeck Bancorp?

Shares of RBKB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Rhinebeck Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Rhinebeck Bancorp investors own include NVIDIA (NVDA), Broadcom (AVGO), Adobe (ADBE), e.l.f. Beauty (ELF), GE Aerospace (GE), Arista Networks (ANET) and Jabil (JBL).

Company Calendar

• Last Earnings: 4/24/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

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): ($0.70)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$8.62 million
• Net Margins: -13.43%
• Pretax Margin: -17.03%
• Return on Equity: 4.29%
• Return on Assets: 0.41%

Debt

• Debt-to-Equity Ratio: 0.47
• Current Ratio: 0.97
• Quick Ratio: 0.97

Sales & Book Value

• Annual Sales: $54.24 million
• Price / Sales: 2.43
• Cash Flow: $0.50 per share
• Price / Cash Flow: 23.68
• Book Value: $10.99 per share
• Price / Book: 1.08

Miscellaneous

• Outstanding Shares: 11,100,000
• Free Float: 10,472,000
• Market Cap: $131.54 million
• Optionable: Not Optionable
• Beta: 0.43