Rhinebeck Bancorp, Inc. (RBKB)
Nasdaq · Savings Institutions, Not Federally Chartered · Finance, insurance and real estate · CIK 1751783 · fiscal year ends in Dec
Closing price $12.94 on 30 Oct 2026; 52-week range $6.90 to $13.24.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $53.5M
- Revenue growth
- 59.6%
- Net income, last twelve months
- $9.9M
- Earnings per share
- $0.90
- Net margin
- 18.4%
- Free cash flow
- $12.7M
- Return on equity
- 7.1%
- Market value
- $144.7M
- Price to earnings
- 14.4x
- Cash
- $304.6M
- Debt
- $10.3M
- Debt to equity
- 0.07
- Shares outstanding
- 11.2M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $53.4M | – | $10.0M | $0.92 | $10.9M | 10-K filed 13 Mar 2026 |
| FY2024 | 31 Dec 2024 | $28.7M | – | -$8.6M | -$0.80 | $7.7M | 10-K filed 25 Mar 2025 |
| FY2023 | 31 Dec 2023 | $43.7M | – | $4.4M | $0.40 | $6.5M | 10-K filed 26 Mar 2024 |
| FY2022 | 31 Dec 2022 | $47.7M | – | $7.0M | $0.64 | $13.7M | 10-K filed 23 Mar 2023 |
| FY2021 | 31 Dec 2021 | $46.8M | – | $11.6M | $1.06 | $5.9M | 10-K filed 22 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $13.4M | $2.6M | $0.24 |
| Q1 FY2026 | 31 Mar 2026 | $12.7M | $2.2M | $0.20 |
| Q4 FY2025 | 31 Dec 2025 | $13.5M | $2.3M | $0.21 |
| Q3 FY2025 | 30 Sep 2025 | $14.0M | $2.7M | $0.25 |
| Q2 FY2025 | 30 Jun 2025 | $13.1M | $2.7M | $0.25 |
| Q1 FY2025 | 31 Mar 2025 | $12.8M | $2.3M | $0.21 |
| Q4 FY2024 | 31 Dec 2024 | $8.0M | -$2.7M | -$0.25 |
| Q3 FY2024 | 30 Sep 2024 | -$329.0K | -$8.1M | -$0.75 |
Company events
The newest 8-K filings of 73 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 29 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 6 Oct 2026 | 8-K | Leadership change | 5.02 |
| 18 Aug 2026 | 8-K | Leadership change | 5.02 |
| 14 Aug 2026 | 8-K | Leadership change | 5.02 |
| 23 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 21 Jul 2026 | 8-K | Other events | 8.01, 9.01 |
| 17 Jul 2026 | 8-K | Other events | 8.01, 9.01 |
| 29 Jun 2026 | 8-K | Shareholder vote, Other events | 5.07, 8.01, 9.01 |
| 26 May 2026 | 8-K | Other events | 8.01, 9.01 |
| 19 May 2026 | 8-K | Shareholder vote | 5.07 |
| 14 May 2026 | 8-K | Material agreement | 1.01, 9.01 |
| 23 Apr 2026 | 8-K | Results | 2.02, 9.01 |
Every filing
The newest filings with the SEC of 149 held.
| Filed | Form | Period |
|---|---|---|
| 29 Oct 2026 | 8-K | 29 Oct 2026 |
| 6 Oct 2026 | 8-K | 1 Oct 2026 |
| 18 Aug 2026 | 8-K | 18 Aug 2026 |
| 14 Aug 2026 | 8-K | 19 May 2026 |
| 13 Aug 2026 | 10-Q | 30 Jun 2026 |
| 23 Jul 2026 | 8-K | 23 Jul 2026 |
| 21 Jul 2026 | 8-K | 21 Jul 2026 |
| 17 Jul 2026 | 8-K | 17 Jul 2026 |
| 29 Jun 2026 | 8-K | 29 Jun 2026 |
| 25 Jun 2026 | 11-K | 31 Dec 2025 |
| 26 May 2026 | 8-K | 26 May 2026 |
| 19 May 2026 | 8-K | 19 May 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 6 Aug 2026 | Vitale Michael, EVP, Head of Comm Banking | Purchase | 4,834 | $12.35 | $59.7K | 22,414 | 6 Aug 2026 |
| 22 Jul 2026 | Loughlin Suzanne, Director | Purchase | 500 | $11.92 | $6.0K | 34,828 | 23 Jul 2026 |
| 22 Jul 2026 | Loughlin Suzanne, Director | Purchase | 12,000 | $11.93 | $143.2K | 46,828 | 23 Jul 2026 |
| 22 Jul 2026 | Vitale Michael, EVP, Head of Comm Banking | Purchase | 5,000 | $11.94 | $59.7K | 17,580 | 23 Jul 2026 |
| 22 Jul 2026 | Patzwahl Nancy Koskey, Director | Purchase | 25,000 | $11.94 | $298.5K | 27,270 | 23 Jul 2026 |
| 22 Jul 2026 | Smith Matthew James, President & CEO | Purchase | 2,300 | $11.99 | $27.6K | 26,126 | 23 Jul 2026 |
| 22 Jul 2026 | Smith Matthew James, President & CEO | Purchase | 10,125 | $12.00 | $121.5K | 36,251 | 23 Jul 2026 |
| 19 May 2026 | Bronzi Philip J, 1st SVP, Com Mkt Pres | Sale outside a trading plan | 4,162 | $15.91 | $66.2K | 0 | 21 May 2026 |
| 3 Dec 2025 | Bronzi Philip J, Chief Lending Officer | Sale outside a trading plan | 3,446 | $11.05 | $38.1K | 1,600 | 4 Dec 2025 |
| 3 Dec 2025 | Bronzi Philip J, Chief Lending Officer | Sale outside a trading plan | 1,500 | $11.15 | $16.7K | 100 | 4 Dec 2025 |
| 3 Dec 2025 | Bronzi Philip J, Chief Lending Officer | Sale outside a trading plan | 100 | $11.16 | $1.1K | 0 | 4 Dec 2025 |
| 6 Nov 2025 | Nihill Kevin M, CFO and Treasurer | Purchase | 1,000 | $9.67 | $9.7K | 15,532 | 7 Nov 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 28 Oct 2026 | M3 Funds, LLC | 13G amended | 3.88% | 607.4K |
| 11 Aug 2026 | M3 Funds, LLC | 13G amended | 5.21% | 815.3K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 353.1K | -2.64% | 5.46 |
| 30 Sep 2026 | 362.7K | +30.11% | 1.83 |
| 15 Sep 2026 | 278.8K | -8.05% | 2.61 |
| 31 Aug 2026 | 303.2K | +34.38% | 3.01 |
| 14 Aug 2026 | 225.6K | +15.41% | 1.57 |
| 31 Jul 2026 | 195.5K | -0.06% | 1 |
| 15 Jul 2026 | 195.6K | +7.64% | 12.13 |
| 30 Jun 2026 | 181.7K | +109.42% | 2.48 |
Peers
Companies in the same industry.
- Flagstar Bank, National Association (FLG): revenue $2.1B, market value $4.4B
- Beacon Financial Corp. (BBT): revenue –, market value $2.6B
- Heritage Financial Corp. (HFWA): revenue $294.1M, market value $1.2B
- NB Bancorp, Inc. (NBBK): revenue $259.2M, market value $970.1M
- Southern Missouri Bancorp, Inc. (SMBC): revenue $200.6M, market value $778.1M
- Third Coast Bancshares, Inc. (TCBX): revenue $236.6M, market value $663.7M
- Greene County Bancorp Inc. (GCBC): revenue $92.6M, market value $609.7M
- Home Bancorp, Inc. (HBCP): revenue $153.8M, market value $475.9M
- Avidia Bancorp, Inc. (AVBC): revenue $112.9M, market value $471.7M
- Pioneer Bancorp, Inc. (PBFS): revenue $102.0M, market value $448.4M