Rhinebeck Bancorp, Inc.

RBKB

Rhinebeck Bancorp, Inc.

RBKB

Insider Sentiment (TTM):

Last Purchase:2025-11-06Last Sale:2026-05-19Shares Purchased (TTM):1,000Shares Sold (TTM):13,458

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:1,237,877Shares Outstanding:10,843,195Institutional Ownership Pct.:11.42%

Earnings Market Reaction:

Filing Date:2026-08-13Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	21	18	17	14	22	23	19	22	14	14	14	14
Federal Funds Sold	280	92	83	87	66	27	18	10	19	15	8	13
Interest Bearing Deposits In Banks	4	3	2	2	2	1	1	14	1	2	0	0
Cash Cash Equivalents And Federal Funds Sold	305	113	102	103	90	51	37	46	34	31	22	27
Debt Securities Available For Sale Excluding Accru…	171	156	162	149	141	145	160	169	174	183	192	194
Financing Receivable Excluding Accrued Interest Af…	-	937	953	978	961	977	972	965	982	993	1,009	1,004
Federal Home Loan Bank Stock	1	1	2	2	2	3	4	4	4	6	7	5
Interest Receivable	5	5	5	5	5	5	4	4	5	5	5	3
Cash Surrender Value Of Life Insurance	31	31	31	31	31	30	30	30	30	30	30	30
Deferred Income Tax Assets Net	5	5	5	6	7	7	8	8	10	10	10	11
Property Plant And Equipment Net	13	13	14	14	14	14	14	14	14	15	18	18
Real Estate Acquired Through Foreclosure	-	-	-	-	-	-	-	-	-	-	0	-
Goodwill	2	2	2	2	2	2	2	2	2	2	2	2
Intangible Assets Net Excluding Goodwill	0	0	0	0	0	0	0	0	0	0	0	0
Other Assets	18	22	25	26	23	22	23	24	19	25	19	21
Assets	1,470	1,285	1,302	1,316	1,274	1,256	1,256	1,266	1,276	1,299	1,313	1,315
Liabilities And Stockhold…
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	243	226	227	253	239	238	238	257	241	237	250	277
Interest Bearing Deposit Liabilities	1,040	878	870	863	831	796	783	789	791	800	781	805
Deposits	1,283	1,103	1,097	1,116	1,071	1,034	1,021	1,046	1,032	1,037	1,031	1,082
Advance Payments By Borrowers For Taxes And Insura…	13	8	9	4	13	8	9	4	12	7	9	5
Advances From Federal Home Loan Banks	5	5	25	27	27	54	70	60	80	108	128	88
Subordinated Debt	5	5	5	5	5	5	5	5	5	5	5	5
Accrued Liabilities And Other Liabilities	24	25	28	31	30	29	29	29	31	27	27	29
Liabilities	1,330	1,146	1,165	1,183	1,145	1,130	1,134	1,143	1,160	1,185	1,200	1,209
Stockholders Equity
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	45	46	46	46	46	46	46	46	46	46	46	46
Unearned E S O P Shares	-3	-3	-3	-3	-3	-3	-3	-3	-3	-3	-3	-3
Retained Earnings Accumulated Deficit	106	104	102	99	97	94	92	94	102	102	100	99
Accumulated Other Compreh…
Accumulated Other Comprehensive Income Loss Availa…	-7	-7	-6	-7	-8	-9	-10	-12	-26	-27	-26	-31
Accumulated Other Comprehensive Income Loss Define…	-2	-2	-2	-3	-3	-2	-2	-3	-3	-3	-3	-4
Accumulated Other Comprehensive Income Loss Net Of…	-9	-8	-8	-9	-11	-11	-13	-15	-29	-30	-29	-36
Stockholders Equity	140	139	137	133	129	126	122	123	116	114	114	107
Liabilities And Stockholders Equity	1,470	1,285	1,302	1,316	1,274	1,256	1,256	1,266	1,276	1,299	1,313	1,315
Financing Receivable Allowance For Credit Loss Exc…	-	8	8	8	8	8	9	8	8	8	8	8
Deferred Tax Assets Valuation Allowance	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	5	5	5	5	5	5	5	5	5	5	5	5
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	25	25	25	25	25	25	25	25	25	25	25	25
Common Stock Shares Issued	11	11	11	11	11	11	11	11	11	11	11	11
Shares Outstanding	11	11	11	11	11	11	11	11	11	11	11	11

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	1.05%	6.23%	3.42%	-	-	-	-	-	-	-	-	-
2025	6.64%	8.91%	12.73%	4.61%	-9.91%	-23.27%	19.10%	22.37%	18.90%	-3.81%	1.81%	1.69%
2024	1.02%	-0.13%	9.78%	-1.66%	9.47%	4.26%	1.98%	0.63%	4.48%	1.19%	8.20%	22.63%
2023	-	-	-	-	-	-	0.15%	24.61%	28.64%	-10.41%	-8.25%	-7.30%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.73	-0.73	-0.73	-0.86	-1.17	-1.24	-0.93	-0.37	0.55	1.24	1.25	1.28
Per Share Metrics
Diluted EPS TTM	0.90	0.91	0.92	0.46	-0.52	-0.68	-0.80	-0.47	0.39	0.44	0.40	0.40
Free Cash Flow Per Share TTM	1.22	0.88	1.01	0.69	0.17	1.45	0.71	0.41	0.96	-0.03	0.60	0.47
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	-649.38%	-649.45%	-653.35%	-649.03%	-661.01%	-704.39%	-750.33%	-941.04%	-937.61%	-909.71%	-852.50%	-591.11%
Operating Profit Margin TTM	417.89%	423.83%	425.10%	214.75%	-238.79%	-311.74%	-364.32%	-215.94%	186.46%	206.96%	194.93%	194.53%
Net Profit Margin TTM	329.76%	335.23%	336.63%	169.06%	-188.56%	-245.81%	-287.14%	-169.68%	145.31%	161.85%	152.60%	148.99%
Growth Metrics
Net Revenue Growth (1Y)	-1.09%	-1.88%	-0.60%	0.74%	3.10%	4.01%	4.24%	3.49%	3.17%	2.97%	1.80%	1.77%
Net Income Growth (1Y)	-272.97%	-233.81%	-216.53%	-200.38%	-233.79%	-257.97%	-296.13%	-217.86%	-17.15%	-17.83%	-37.19%	-53.43%
EPS Growth (1Y)	-272.30%	-233.00%	-216.01%	-199.89%	-233.37%	-257.54%	-296.70%	-217.33%	-16.61%	-16.81%	-36.89%	-52.85%
Valuation Metrics
P/E TTM	13.61	12.00	9.26	17.39	-15.89	-10.19	-8.64	-14.15	14.20	13.78	14.15	12.15
P/B TTM	0.96	0.86	0.68	0.66	0.70	0.60	0.61	0.58	0.52	0.57	0.55	0.49
P/S TTM	44.87	40.23	31.16	29.40	29.95	25.04	24.81	24.00	20.63	22.30	21.59	18.10
Market Cap	134.19M	119.69M	92.98M	87.92M	90.58M	75.91M	74.46M	71.24M	60.50M	65.01M	62.17M	51.92M
Enterprise Value	-170.37M	6.78M	-9.01M	-15.55M	955.48K	25.39M	36.98M	24.86M	26.06M	34.34M	40.04M	25.16M
Calculated Values
Free Cash Flow TTM	13.17M	9.58M	10.89M	7.49M	1.83M	15.62M	7.68M	4.39M	10.34M	-317.00K	6.47M	5.08M
Net Debt	-304.56M	-112.90M	-101.99M	-103.47M	-89.62M	-50.52M	-37.48M	-46.38M	-34.44M	-30.67M	-22.13M	-26.76M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-19Sale

Owner: Bronzi, Philip J

Title: 1st SVP, Com Mkt Pres

Shares: 4,162

Price/Share: $15.92

Value: $66,259.04

Shares Owned: -

Relationship: Officer

Ownership: Direct

2025-12-03Sale

Owner: Bronzi, Philip J

Title: Chief Lending Officer

Shares: 5,046

Price/Share: $11.12

Value: $56,111.52

Shares Owned: -

Relationship: Officer

Ownership: Direct

2025-11-06Purchase

Owner: Nihill, Kevin M

Title: CFO and Treasurer

Shares: 1,000

Price/Share: $9.67

Value: $9,670.00

Shares Owned: 15,532

Relationship: Officer

Ownership: Direct

2025-08-29Sale

Owner: Mccardle, James T. Iii

Title: Chief Credit Officer

Shares: 4,250

Price/Share: $13.14

Value: $55,845.00

Shares Owned: 3,580

Relationship: Officer

Ownership: Direct

2025-02-13Purchase

Owner: Nihill, Kevin M

Title: CFO and Treasurer

Shares: 1,000

Price/Share: $10.00

Value: $10,000.00

Shares Owned: 16,000

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-19	Bronzi, Philip J	Officer	1st SVP, Com Mkt Pres	Direct	Sale	4,162	15.92	$66,259.04	0	4
2025-12-03	Bronzi, Philip J	Officer	Chief Lending Officer	Direct	Sale	5,046	11.12	$56,111.52	0	4
2025-11-06	Nihill, Kevin M	Officer	CFO and Treasurer	Direct	Purchase	1,000	9.67	$9,670.00	15,532	4
2025-08-29	Mccardle, James T. Iii	Officer	Chief Credit Officer	Direct	Sale	4,250	13.14	$55,845.00	3,580	4
2025-02-13	Nihill, Kevin M	Officer	CFO and Treasurer	Direct	Purchase	1,000	10.00	$10,000.00	16,000	4
2024-12-06	Dwyer, Francis X.	Officer	President of Subsidiary	Direct	Sale	14,779	9.78	$144,538.62	10,079	4
2024-11-29	Morgan-D'Amelio, Karen E.	Officer	CRO, Gen. Cnsl and Corp Sec.	Direct	Sale	1,536	9.82	$15,083.52	0	4
2024-11-26	Morgan-D'Amelio, Karen E.	Officer	CRO, Gen. Cnsl and Corp Sec.	Direct	Sale	1,430	9.80	$14,014.00	1,536	4
2024-11-25	Dwyer, Francis X.	Officer	President of Subsidiary	Indirect	Sale	250	9.83	$2,457.50	0	4
2023-12-06	Bloom, Jamie J.	Officer	Chief Operating Officer	Direct	Sale	600	6.25	$3,750.00	35	4
2023-12-01	Tumolo, Louis Jr.	Director	-	Direct	Purchase	2,000	6.30	$12,600.00	30,128	4
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Institutional Ownership

No data available for chart

2026-03-31

11.42%

Inst. Shares: 1,237,877

Shares Outstanding: 10,843,195

2025-12-31

11.26%

Inst. Shares: 1,216,232

Shares Outstanding: 10,806,021

2025-09-30

11.36%

Inst. Shares: 1,227,826

Shares Outstanding: 10,811,808

2025-06-30

10.72%

Inst. Shares: 1,156,812

Shares Outstanding: 10,787,446

2025-03-31

8.18%

Inst. Shares: 881,086

Shares Outstanding: 10,777,044

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	1,237,877	10,843,195	11.42%
2025-12-31	1,216,232	10,806,021	11.26%
2025-09-30	1,227,826	10,811,808	11.36%
2025-06-30	1,156,812	10,787,446	10.72%
2025-03-31	881,086	10,777,044	8.18%
2024-12-31	675,232	10,757,750	6.28%
2024-09-30	590,479	10,758,914	5.49%
2024-06-30	589,477	10,753,460	5.48%
2024-03-31	624,785	10,748,006	5.81%
2023-12-31	537,701	10,789,009	4.98%
2023-09-30	773,093	10,710,607	7.22%
2023-06-30	993,642	10,823,598	9.18%
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Rhinebeck Bancorp, Inc. (RBKB) — SEC Financial Statements & Analysis

Rhinebeck Bancorp, Inc. (RBKB) is a savings institutions, not federally chartered company, incorporated in MD. Rhinebeck Bancorp, Inc. trades on Nasdaq as: RBKB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Rhinebeck Bancorp, Inc. reported a -1.09% year-over-year revenue growth, a Gross Profit Margin of -649.38% (TTM), a Price-to-Sales (P/S) ratio of 44.87x (TTM), a Price-to-Book (P/B) ratio of 0.96x (TTM), at a market cap of $134.19M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -1.09%
Gross Profit Margin TTM: -649.38%
P/S TTM: 44.87x
P/B TTM: 0.96x
Market Cap: $134.19M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Rhinebeck Bancorp, Inc. in?

Rhinebeck Bancorp, Inc. (RBKB) operates in the Savings Institutions, Not Federally Chartered industry.

What is RBKB's market cap?

Rhinebeck Bancorp, Inc. (RBKB) has a market capitalization of $134.19M as of 2026-06-30.

What is RBKB's P/E ratio?

Rhinebeck Bancorp, Inc. (RBKB)'s trailing twelve month P/E ratio is 13.61x as of 2026-06-30.

What exchange does RBKB trade on?

Rhinebeck Bancorp, Inc. (RBKB) trades on the Nasdaq.

Where is Rhinebeck Bancorp, Inc. incorporated?

Rhinebeck Bancorp, Inc. is incorporated in MD.