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RBKB · NASDAQ · Banks - Regional

Rhinebeck Bancorp

Operates a Hudson Valley bank and an affiliated advisory business.

$12.60

After-hours close−0.01 (−0.08%)

At close$12.61(−0.16%)

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Profile

Rhinebeck Bancorp, Inc.RBKBFinancials

Operates a Hudson Valley community-bank franchise through Rhinebeck Bank, funded by deposits and borrowings. Consumer and commercial lending sit alongside Rhinebeck Asset Management's investment advisory and financial-product sales.

Operates Rhinebeck Bank, a New York-chartered savings bank serving the Hudson Valley. The bank gathers public deposits and uses deposits and borrowings to fund consumer and commercial lending, including residential mortgages, construction loans, and commercial mortgages.

Rhinebeck Asset Management (RAM) adds investment advisory and financial-product sales to the banking franchise. Local decision-making is part of the bank's stated approach to its mortgage and commercial lending services.

Rhinebeck Bancorp became the Bank's holding company through reorganization and completed its move to a fully public stock holding company in July 2026. Its business remains tied to the deposit funding and lending operations of its wholly owned bank subsidiary.

Company facts

CEOMatthew J. Smith

ListedJul 22, 2026

ExchangeNASDAQ

HeadquartersPoughkeepsie, NY

CountryUnited States

Employees165

CIK0001751783

ISINUS7620932019

Key statistics

Market cap$197.0M

EPS (ttm)$0.9000

P/E (ttm)14.00

ROE7.2%

P/B0.9781

P/S3.25

Dividend yield—

Beta0.05vs XLF 0.10

Year to date +47.0% · Average volume (30d) 191.3K

Analysts

No analyst consensus on record.

Earnings

EPS

Estimate—

Reported$0.24

Revenue

Estimate—

Reported$3.4M

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Jul 23, 2026Q2 FY26	—	$0.24	—	—	$3.4M	—	+0.65%
Apr 23, 2026Q1 FY26	—	$0.20	—	—	$18.1M	—	+4.70%
Jan 29, 2026Q4 FY25	—	$0.21	—	—	$19.4M	—	−2.23%
Oct 28, 2025Q3 FY25	—	$0.25	—	—	$19.7M	—	+4.35%

View details

Financial highlights

	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26
Revenue	$18.4M	$18.4M	$19.7M	$19.4M	$18.1M	$3.4M
Gross profit	$12.4M	$13.2M	$13.1M	$13.0M	$12.6M	−$2.1M
Operating income	$2.9M	$3.5M	$3.3M	$2.9M	$2.9M	−$2.9M
Net income	$2.3M	$2.7M	$2.7M	$2.3M	$2.2M	$2.6M
Diluted EPS	$0.21	$0.25	$0.25	$0.21	$0.20	$0.24
Gross margin	67.6%	71.9%	66.4%	67.0%	69.6%	-60.9%
Operating margin	15.9%	19.0%	17.0%	15.1%	15.8%	-83.6%

Fiscal years (4-quarter sums)FY21 $51.1M · FY22 $54.5M · FY23 $66.4M · FY24 $54.3M · FY25 $75.8M

Balance sheet, Jun 30, 2026Cash & short-term investments $192.3M · Total debt $10.3M · Total assets $1.47B · Shareholders' equity $139.6M

Dividends

No dividends on record.

Ownership

Institutions 20.09%3.14M sharesInsiders 3.44%538.5K sharesOther 76.47%11.96M shares

Shares outstanding 15.64M · Float 6.17M · 39.5% free float

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
Suzanne Loughlin · director	34.8K	0.22%	Form 4	Jul 23, 2026
Nancy Koskey Patzwahl · director	27.3K	0.17%	Form 4	Jul 23, 2026
Matthew James Smith · director, officer: President & CEO	26.1K	0.17%	Form 4	Jul 23, 2026
Michael Vitale · officer: EVP, Head of Comm Banking	22.4K	0.14%	Form 4	Aug 6, 2026

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
Aug 6, 2026	Michael Vitale	officer: EVP, Head of Comm Banking	+4,834	$12.35
Jul 22, 2026	Matthew James Smith	director, officer: President & CEO	+12,425	$12.00
Jul 22, 2026	Nancy Koskey Patzwahl	director	+25,000	$11.94
Jul 22, 2026	Michael Vitale	officer: EVP, Head of Comm Banking	+5,000	$11.94
Jul 22, 2026	Suzanne Loughlin	director	+12,500	$11.93