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RHINEBECK BANCORP INC

RBKBNASDAQ
πŸ† #3729 by market capUS Equity
$12.66β–Ό $0.14 (βˆ’1.07%)
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24hβ–Ό 1.1%
7dβ–Ό 1.3%
14dβ–Ό 1.7%
30dβ–² 0.2%
ytdβ–² 4.3%
1yβ–² 13.8%
🏦Market Cap
$198M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+39.8%
High Growth
πŸ“ŠGross Margin
60.4%
High
πŸ’΅FCF Margin
23.2%
Strong
βš–οΈP/S Ratio
3.3x
Fair
Otter Score
76
Good

Trading Snapshot

Day Range
$12.60 – $12.87
52-Week Range
$6.74 – $13.23
Volume
$4.69B
Avg Volume
$5.95B
Shares Outstanding
15.6M
Next Earnings
Nov 29, 2026

Fundamentals Snapshot

Annual Revenue
$76M
Last Q Revenue
$3M
P/E Ratio
13.8
P/S Ratio
3.3x
EPS (TTM)
$0.91
Dividend Yield
0.00%
Dilution (1yr)
+1.8%

Why Investors Own RBKB

  • βœ“High-growth profile β€” revenue up +50.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 37% gross margin and 10% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

RBKB logo

RHINEBECK BANCORP INC

RBKB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$76Mβ–² +39.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
68.2%β–² +42.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$13Mβ–Ό βˆ’216.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$11Mβ–² +41.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
11.0Mβ–² +1.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$11Mβ–² +$44M YoY
StockOtter Β· stockotter.space

About RHINEBECK BANCORP INC

Rhinebeck Bancorp, Inc. functions as the holding company for Rhinebeck Bank, which is dedicated to providing a full spectrum of banking and financial services. These offerings cater to both individual consumers and business clients throughout New York's Hudson Valley region. The company's financial products include various deposit accounts, automobile financing, and a wide range of real estate loans. This extensive lending portfolio covers commercial real estate, encompassing multi-family properties, construction, and land development, in addition to business loans and mortgages for one-to four-family residential dwellings. Furthermore, Rhinebeck Bancorp, Inc. extends brokerage and financial advisory services, along with life insurance and investment products, to its diverse clientele. As of December 31, 2021, the company operated through 15 branches and 2 representative offices situated across Dutchess, Ulster, Orange, and Albany counties. It also maintains an ATM in Tivoli, New York. Established in 1860, the company's primary corporate base is located in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates under the umbrella of its parent company, Rhinebeck Bancorp, MHC.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$12.65
β–Ό βˆ’0.1% Downside
High Target$13.89
Low Target$10.10
Based on 23 analysts

Latest News & Updates

AccesswireΒ·6d ago

Rhinebeck Bank Expands Capital Region Commercial Banking Team with Appointment of Timothy Kensky

ALBANY, NY / ACCESS Newswire / September 24, 2026 / Rhinebeck Bank, the wholly owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), today announced the appointment of Timothy Kensky as Senior Vice President, Commer

Zacks Investment ResearchΒ·6d ago

RBKB vs. OBT: Which Hudson Valley Bank Stock Is the Better Buy Now?

Rhinebeck Bancorp and Orange County Bancorp differ in valuation, growth drivers and financial profile, but which bank stock looks more compelling now? Let's dive in.

AccesswireΒ·Jul 28

Rhinebeck Bank Appoints Travis Podolec as New Senior Vice President, Commercial Lender in Orange County

NEWBURGH, NY / ACCESS Newswire / July 28, 2026 / Rhinebeck Bank, the wholly owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), today announced the addition of Travis Podolec as Senior Vice President, Commercial L

Zacks Investment ResearchΒ·Jul 28

Zacks Initiates Coverage of Rhinebeck Bancorp With Neutral Recommendation

Discover why Zacks rates Rhinebeck Bancorp as "Neutral", being the first on Wall Street to initiate coverage on the stock. Explore RBKB's improving credit quality and expanding commercial banking footprint amid a competi

AccesswireΒ·Jul 23

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2026 and Completes Second-Step Conversion

POUGHKEEPSIE, NY / ACCESS Newswire / July 23, 2026 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended June 30, 2026

AccesswireΒ·Jul 21

Rhinebeck Bancorp, Inc. Announces Completion of Conversion and Offering

POUGHKEEPSIE, NY / ACCESS Newswire / July 21, 2026 / Rhinebeck Bancorp, Inc. (NASDAQ Capital Market:RBKB) (the "Company"), the holding company for Rhinebeck Bank, announced that Rhinebeck Bancorp, MHC (the "MHC") has com