Rhinebeck Bancorp, Inc. logo

Rhinebeck Bancorp, Inc.

RBKB

NASDAQFinancial ServicesBanks - Regional

Previous close

$12.70

+$0.01 · +0.08%

Aug 21, 4:00 PM ET

RBKB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

76

Undervalued

Momentum

61

Gaining

Sentiment

70

Bullish

Risk resilience

76

Moderate Risk

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Matthew J. Smith
Listed since
Jan 17, 2019
Employees
158

Market position

Day range

Current $12.70

52-week range

Current $12.70

Open
$12.70
Previous close
$12.69
Volume
93.35K
1.09× average
Average volume
85.28K
Average daily volume
Market cap
198.61M USD
Beta
0.18
Market reference 1
50-day average
$12.3245
+3.05% above average
200-day average
$10.5244
+20.67% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
13.8×
P/B (TTM)
0.99×
P/S (TTM)
3.28×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
60.39%
Operating margin
10.35%
Net margin
16.28%

Financial health

Debt / equity
0.07×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends111%63%16%-32%Gross margin, FY2021: 98.79%Gross margin, FY2022: 85.02%Gross margin, FY2023: 63.26%Gross margin, FY2024: 47.76%Gross margin, FY2025: 68.17%Operating margin, FY2021: 29.33%Operating margin, FY2022: 16.32%Operating margin, FY2023: 8.46%Operating margin, FY2024: -20.16%Operating margin, FY2025: 16.72%Net margin, FY2021: 22.62%Net margin, FY2022: 12.83%Net margin, FY2023: 6.62%Net margin, FY2024: -15.89%Net margin, FY2025: 13.24%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.79%. Gross margin FY2022 85.02%. Gross margin FY2023 63.26%. Gross margin FY2024 47.76%. Gross margin FY2025 68.17%. Operating margin FY2021 29.33%. Operating margin FY2022 16.32%. Operating margin FY2023 8.46%. Operating margin FY2024 -20.16%. Operating margin FY2025 16.72%. Net margin FY2021 22.62%. Net margin FY2022 12.83%. Net margin FY2023 6.62%. Net margin FY2024 -15.89%. Net margin FY2025 13.24%.

Income trends

Revenue

75.85M USD+39.79%

Operating income

12.69M USD+23.62M USD

Net income

10.05M USD+18.67M USD
Income trends across reported periods84.52M USD49.81M USD15.1M USD−19.62M USDRevenue, FY2021: 51.11M USDRevenue, FY2022: 54.53M USDRevenue, FY2023: 66.39M USDRevenue, FY2024: 54.26M USDRevenue, FY2025: 75.85M USDOperating income, FY2021: 14.99M USDOperating income, FY2022: 8.9M USDOperating income, FY2023: 5.61M USDOperating income, FY2024: −10.94M USDOperating income, FY2025: 12.69M USDNet income, FY2021: 11.56M USDNet income, FY2022: 7M USDNet income, FY2023: 4.4M USDNet income, FY2024: −8.62M USDNet income, FY2025: 10.05M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 51.11M USD. Revenue FY2022 54.53M USD. Revenue FY2023 66.39M USD. Revenue FY2024 54.26M USD. Revenue FY2025 75.85M USD. Operating income FY2021 14.99M USD. Operating income FY2022 8.9M USD. Operating income FY2023 5.61M USD. Operating income FY2024 −10.94M USD. Operating income FY2025 12.69M USD. Net income FY2021 11.56M USD. Net income FY2022 7M USD. Net income FY2023 4.4M USD. Net income FY2024 −8.62M USD. Net income FY2025 10.05M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue75.85M USD54.26M USD66.39M USD54.53M USD51.11M USD
Cost of goods sold24.14M USD28.33M USD24.4M USD8.17M USD620K USD
Gross profit51.71M USD25.91M USD42M USD46.36M USD50.49M USD
Selling, general, and administrative12.12M USD22.07M USD21.25M USD23.12M USD23.33M USD
Operating expenses39.02M USD36.87M USD36.38M USD37.46M USD35.5M USD
Interest income68.87M USD63.76M USD60.66M USD48.59M USD43.7M USD
Interest expense22.48M USD25.53M USD22.69M USD6.76M USD4.29M USD
Depreciation and amortization892K USD1.42M USD1.49M USD1.65M USD1.66M USD
Operating income12.69M USD−10.94M USD5.61M USD8.9M USD14.99M USD
Net income10.05M USD−8.62M USD4.4M USD7M USD11.56M USD

Company facts updated Aug 24, 2026.

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