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Rhinebeck Bancorp, Inc. (RBKB)

Financial Services | Banks - Regional | Poughkeepsie, United States | NasdaqCM
16.95 USD -0.02 (-0.118%) ⇩ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★⯪☆Long-term:★★⯪☆☆Dividends:☆☆☆☆☆
Hot Take | July 11, 2026, 6:47 a.m. EDT

The immediate catalyst here is the corporate restructuring: Rhinebeck Bancorp is converting to full public ownership, a move designed to unlock liquidity and potentially improve capital efficiency. This structural shift, coupled with a recent 50% surge in annual returns and a price trading well above its 200-day average, suggests the market is pricing in a fresh chapter for the bank. However, the investment case faces significant headwinds. Fundamentally, the bank is struggling with profitability; earnings are contracting, and the return on equity sits at a modest 7.5%, which is subpar for the banking sector. Furthermore, the balance sheet shows signs of stress with a high overall risk rating and a short interest ratio of 6.55, indicating potential distribution pressure. Crucially, there is no dividend history to speak of, offering no income floor for investors. While the conversion plan and recent momentum provide a compelling short-term narrative, the deteriorating earnings trajectory and lack of shareholder returns make this a speculative hold rather than a core investment.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.022339
AutoARIMA0.025556
MSTL0.028417
AutoETS0.028749

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 46%
H-stat 3.88
Ljung-Box p 0.000
Jarque-Bera p 0.861
Excess Kurtosis -0.40
Attribute Value
Sector Financial Services
Revenue per Share 4.792
Market Cap 188,154,528
Trailing P/E 18.63
Beta 0.15
Profit Margins 19.23%
Website https://www.rhinebeckbank.com

Info Dump

Attribute Value
52 Week Change 0.433277
Address1 2 Jefferson Plaza
All Time High 17.99
All Time Low 5.9
Ask 16.96
Ask Size 1
Audit Risk 6
Average Daily Volume10 Day 30,020
Average Daily Volume3 Month 23,436
Average Volume 23,436
Average Volume10Days 30,020
Beta 0.148
Bid 12.17
Bid Size 2
Board Risk 8
Book Value 12.749
City Poughkeepsie
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 7
Country United States
Crypto Tradeable 0
Currency USD
Current Price 16.95
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 17.01
Day Low 16.9
Display Name Rhinebeck Bancorp
Earnings Growth -0.048
Earnings Quarterly Growth -0.031
Earnings Timestamp End 1,753,732,800
Earnings Timestamp Start 1,753,300,800
Ebitda Margins 0.0
Enterprise To Revenue 1.701
Enterprise Value 88,188,280
Eps Trailing Twelve Months 0.91
Esg Populated 0
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 845 790 1594
Fifty Day Average 16.4809
Fifty Day Average Change 0.46910095
Fifty Day Average Change Percent 0.02846331
Fifty Two Week Change Percent 43.3277
Fifty Two Week High 17.99
Fifty Two Week High Change -1.039999
Fifty Two Week High Change Percent -0.05780984
Fifty Two Week Low 9.41
Fifty Two Week Low Change 7.540001
Fifty Two Week Low Change Percent 0.8012754
Fifty Two Week Range 9.41 - 17.99
Financial Currency USD
First Trade Date Milliseconds 1,547,735,400,000
Float Shares 2,773,477
Full Exchange Name NasdaqCM
Full Time Employees 158
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 51,859,000
Has Pre Post Market Data 1
Held Percent Insiders 0.59859
Held Percent Institutions 0.20482999
Implied Shares Outstanding 11,100,562
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Fiscal Year End 1,767,139,200
Long Business Summary Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York, the United States. The company offers deposits, including non-interest-bearing demand, interest-bearing demand, money market, commercial and personal checking, individual retirement, and savings accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; other consumer loans, including home equity loans; and personal loans. In addition, the company offers retail brokerage; retirement planning; financial planning and advisory; life insurance and investment products; ATMs, online banking and bill pay, mobile banking with mobile deposit and bill pay, automated clearing house origination, remote deposit capture, and telephone banking; debit and credit cards; wire transfer and merchant services; and wealth management services. Further, it invests in mutual funds and annuities. The company was founded in 1860 and is based in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. is a subsidiary of Rhinebeck Bancorp, MHC.
Long Name Rhinebeck Bancorp, Inc.
Market us_market
Market Cap 188,154,528
Market State PRE
Max Age 86,400
Message Board Id finmb_580659409
Most Recent Quarter 1,774,915,200
Net Income To Common 9,973,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 188,265,531
Open 16.95
Operating Cashflow 10,949,000
Operating Margins 0.24441999
Overall Risk 7
Payout Ratio 0.0
Phone 845 454 8555
Previous Close 16.97
Price Hint 2
Price To Book 1.3295162
Price To Sales Trailing12 Months 3.6281943
Profit Margins 0.19231
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.0199986
Regular Market Change Percent -0.117846
Regular Market Day High 17.01
Regular Market Day Low 16.9
Regular Market Day Range 16.9 - 17.01
Regular Market Open 16.95
Regular Market Previous Close 16.97
Regular Market Price 16.95
Regular Market Time 1,783,972,800
Regular Market Volume 27,520
Return On Assets 0.007850001
Return On Equity 0.07538
Revenue Growth 0.012
Revenue Per Share 4.792
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 11,100,562
Shares Percent Shares Out 0.0164
Shares Short 181,739
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 77,470
Short Name Rhinebeck Bancorp, Inc.
Short Percent Of Float 0.0401
Short Ratio 4.15
Source Interval 15
State NY
Symbol RBKB
Total Cash 119,148,000
Total Cash Per Share 10.939
Total Debt 22,721,000
Total Revenue 51,859,000
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 0.91
Trailing P E 18.626373
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 13.74455
Two Hundred Day Average Change 3.205451
Two Hundred Day Average Change Percent 0.23321615
Type Disp Equity
Volume 27,520
Website https://www.rhinebeckbank.com
Zip 12,601