Companies ›Financials ›RBKB.O

RBKB.O — NASDAQ Banks

Rhinebeck Bancorp Inc

$11,86

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Mcap

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P/E

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EV / Rev

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Div yield

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Op margin

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ROE

7,3 %

Net margin

21,7 %

Debt / equity

0,04

Beta

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52w range

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Volume

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Day range

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Prev close

$15,77

Open

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Next earnings

2026-10-28

Ex-dividend

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TR 1Y

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About

Rhinebeck Bancorp Inc provides commercial and retail banking services, including deposits, loans, and wealth management, primarily in the Mid-Hudson Valley region of New York.

Business. Rhinebeck Bancorp Inc (RBKB.O) is a bank headquartered in the United States that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed on the NASDAQ stock exchange under the ticker symbol RBKB.O. Specific details regarding operating segments or geographic breakdowns are not available.

Classification99 %

SectorFinancials

Industry groupBanks

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

EarningsQ3 2026 earnings (expected)2026-10-28 · estimated

See all catalysts →

At a glance

Score

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not yet scored

Valuation

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valuation pending

Analysts

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not yet wired

Ownership→

AllianceBernstein L.P.

largest disclosed fund holder

Profitability→

7,3 %

return on equity

Quality

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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning RBKB.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to RBKB.O. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

Rhinebeck Bancorp Inc (RBKB.O) is a bank headquartered in the United States that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed on the NASDAQ stock exchange under the ticker symbol RBKB.O. Specific details regarding operating segments or geographic breakdowns are not available.

Classification99 %

SectorFinancials

Industry groupBanks

AI synthesis

GENERATED

Rhinebeck Bancorp Inc has a liquidity position that is characterized by a debt-to-equity ratio of 0.04, indicating a relatively low level of leverage. The company's free cash flow of $10.55 million and operating cash flow of $11.74 million suggest a strong ability to meet short-term obligations. However, the risk assessment indicates a medium level of liquidity risk, with a note that net cash is negative after subtracting total debt.

In terms of profitability, the company's return on equity (ROE) is 7.34%, and its return on assets (ROA) is 0.77%. These figures are to be compared against the industry's preferred metrics, which typically emphasize ROE and ROA as key indicators of performance. The ROE is relatively strong, but the ROA is modest, suggesting that the company is generating a reasonable return for shareholders but not efficiently utilizing its assets.

Rhinebeck Bancorp Inc's revenue is primarily concentrated in the Mid-Hudson Valley region of New York, with no significant geographic diversification reported in the available data. The company's business is not segmented into distinct product lines or geographic regions in the provided data, which limits the ability to assess the contribution of different segments to overall performance.

The company's growth trajectory is not explicitly detailed in the provided data, but the financial snapshot indicates a stable revenue of $46.39 million and a net income of $10.05 million. The outlook for the current fiscal year and the next fiscal year is not provided, but the company's capital expenditure of -$850,000 suggests a reduction in capital spending, which could indicate a focus on cost management or a shift in strategic priorities.

The risk assessment highlights a medium level of liquidity risk and a low level of dilution risk. The company's capital structure is relatively stable, with a low level of long-term debt and a strong equity position. However, the note that net cash is negative after subtracting total debt indicates a potential liquidity constraint that should be monitored.

Recent events and filings are not detailed in the provided data, but the company's financial performance and risk profile suggest a stable but not highly dynamic business environment. The company's focus on the Mid-Hudson Valley region and its relatively low leverage position may provide some insulation from broader economic fluctuations, but it also limits geographic diversification.

Key takeaways

Rhinebeck Bancorp Inc has a strong equity position and a low debt-to-equity ratio, indicating a conservative capital structure.
The company's return on equity is relatively strong, but its return on assets is modest, suggesting room for improvement in asset utilization.
The company's revenue is concentrated in the Mid-Hudson Valley region of New York, with no significant geographic diversification.
The company's liquidity risk is medium, and its dilution risk is low, indicating a stable capital structure.
The company's capital expenditure is negative, suggesting a focus on cost management or a shift in strategic priorities.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Valuation

Market price

$11,86

Market cap

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Enterprise valueⓘ

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P/Eⓘ

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Non-GAAP P/Eⓘ

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EV / Revenueⓘ

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EV / Op incomeⓘ

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EV / OCFⓘ

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P / Bⓘ

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P / Tangible bookⓘ

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Tangible book

$136.9M

Net cashⓘ

-$5.2M

Current ratioⓘ

—

Debt / equityⓘ

0.0

ROAⓘ

0.8%

ROEⓘ

7.3%

Cash conversionⓘ

117.0%

CapEx / revenueⓘ

-1.8%

SBC / revenueⓘ

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Dilution ratioⓘ

0.0%