RBKB - NASDAQ

Rhinebeck Bancorp, Inc.

RBKB·NASDAQ

$16.37

-0.91%

Financial ServicesBanks - Regional

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 company offers deposits; automobile loans; commercial real estate loans, including multi-family real estate loans, commercial construction, and land development loans; commercial business loans; and one-to four-family residential real estate loans. It also provides brokerage and financial services; and life insurance and investment products to individuals and businesses. As of December 31, 2021, the company operated through 15 branches and 2 representative offices in Dutchess, Ulster, Orange, and Albany counties. It also operates ATM located in Tivoli, New York. The company was founded in 1860 and is based in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates as a subsidiary of Rhinebeck Bancorp, MHC.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$181.72M

EPS0.9300

P/E Ratio17.60

Earnings Date04/23/2026

1.30B

Assets

3Y-3.0%

5Y+15.0%

10Y+80.0%

1.16B

Total Liabilities

3Y-5.0%

5Y+15.0%

10Y+74.0%

136.85M

Total Equity

12%

3Y+27.0%

5Y+17.0%

10Y+161.0%

Rhinebeck Bancorp, Inc. Funding & Solvency Profile

RBKB · NASDAQ

Current Assets

Cash & Cash Equivalents18.83M

Net Receivables4.88M

Inventory0.00

Other Current Assets0.00

Total Current Assets127 M

Non-Current Assets

Property, Plant & Equipment13.62M

Goodwill & Intangible Assets2.34M

Long-Term Investments1.01B

Other Non-Current Assets141.56M

Total Non-Current Assets1 B

Total Assets

1.30B

Financial Health Analysis

Current Ratio

0.12x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.51x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-972041000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

10% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Rhinebeck Bancorp, Inc. Balance Sheet

RBKB • NASDAQ

Rhinebeck Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	18.8M	19.2M	14.6M	16.8M	19.4M	93.5M	12M	50.6M	10.5M	13M	28.3M	30.6M	17.4M
Short-Term Investments	103.2M	128.1M	144.4M	223.7M	280.3M	102.9M	114.8M	101.3M	113.3M	140.3M	0.0	0.0	0.0
Cash & Short-Term Investments	122M	147.2M	159.1M	240.5M	299.7M	196.4M	126.8M	151.9M	123.8M	153.2M	28.3M	30.6M	17.4M
Net Receivables	4.9M	4.4M	4.6M	4.3M	3.4M	3.8M	2.9M	2.5M	2.1M	2M	0.0	0.0	0.0
Accounts Receivables	4.9M	4.4M	4.6M	4.3M	3.4M	3.8M	2.9M	2.5M	2.1M	2M	0.0	0.0	0.0
Total Current Assets	126.9M	151.7M	163.7M	244.7M	303.1M	200.2M	129.7M	154.4M	125.9M	155.2M	28.3M	30.6M	17.4M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	13.6M	14.1M	17.6M	18.7M	19.2M	18.8M	18.3M	17M	17M	18.2M	18.4M	19.9M	20.9M
Goodwill	2.2M	2.2M	2.2M	2.2M	2.2M	1.4M	1.4M	1.4M	1.5M	2.8M	3M	4M	4M
Intangible Assets	106K	166K	246K	334K	433K	199K	241K	284K	326K	727K	911.6K	1.3M	1.5M
Goodwill & Intangible Assets	2.3M	2.4M	2.5M	2.6M	2.7M	1.6M	1.7M	1.7M	1.8M	3.5M	3.9M	5.3M	5.5M
Long-Term Investments	1B	1B	1.1B	994.4M	855M	873.8M	793.5M	678.4M	568.1M	514.2M	0.0	0.0	0.0
Tax Assets	4.9M	8.1M	9.9M	10.1M	3.4M	3.7M	2.3M	2.9M	3M	4.7M	0.0	0.0	0.0
Other Non-Current Assets	141.6M	75.8M	63.2M	65.5M	97.9M	30.6M	28.5M	27.9M	26.2M	26.7M	617.6M	594.7M	569M
Total Non-Current Assets	1.2B	1.1B	1.1B	1.1B	978.1M	928.6M	844.2M	728M	616.2M	567.3M	639.8M	619.9M	595.4M
Total Assets	1.3B	1.3B	1.3B	1.3B	1.3B	1.1B	973.9M	882.4M	742.1M	722.6M	668.2M	650.5M	612.8M
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	0.0	25.3M	20.9M	18.6M	11.2M	10.1M	9.7M	8.7M	8.5M	8.5M	8.4M
Short Term Debt	1.6M	20M	0.0	0.0	0.0	0.0	0.0	5M	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	1.1B	1B	1B	1.1B	1.1B	929.4M	773.3M	684.4M	650.1M	639.7M	0.0	0.0	0.0
Total Current Liabilities	1.1B	1B	1B	1.2B	1.1B	948M	784.5M	699.5M	659.8M	648.3M	8.5M	8.5M	8.4M
NON-CURRENT LIABILITIES
Long Term Debt	28.7M	54.9M	133.2M	62.9M	23.2M	55.8M	71.5M	36.8M	20.1M	14.7M	5.2M	12.7M	12.7M
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.5M	3M	3.8M	0.0	0.0	0.0
Other Non-Current Liabilities	37.3M	38.2M	35.8M	9.7M	9.1M	8.5M	8.1M	86.9M	7.3M	7.1M	612.1M	587.3M	548.6M
Total Non-Current Liabilities	66M	93.1M	169M	72.6M	32.3M	64.3M	79.6M	123.6M	27.3M	21.7M	608.8M	591.5M	552.8M
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	6.7M	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.2B	1.1B	1.2B	1.2B	1.2B	1B	864.1M	823.1M	687.1M	670M	617.2M	600M	561.2M
SHAREHOLDERS' EQUITY
Common Stock	112K	111K	111K	113K	113K	113K	111K	0.0	0.0	0.0	0.0	0.0	0.0
Additional Paid-In Capital	45.7M	45.9M	46M	47.1M	46.6M	46M	45.9M	100K	100K	100K	100K	100K	100K
Retained Earnings	101.8M	91.8M	100.4M	96.6M	89.6M	78.1M	72.2M	66.2M	61.8M	57.7M	55M	54.1M	53.2M
Accumulated Other Comprehensive Income/Loss	-7.9M	-12.9M	-29.5M	-32.2M	-6.6M	-3.8M	-4.1M	-7M	-7M	-5.3M	-4.2M	-3.7M	-1.7M
Other Total Stockholders' Equity	-2.8M	-3.1M	-3.3M	-3.5M	-3.7M	-3.9M	-4.1M	0.0	0.0	0.0	0.0	0.0	0.0
Total Stockholders' Equity	136.9M	121.8M	113.7M	108.1M	126M	116.5M	109.9M	59.3M	55M	52.5M	50.9M	50.5M	51.6M
Total Equity	136.9M	121.8M	113.7M	108.1M	126M	116.5M	109.9M	59.3M	55M	52.5M	50.9M	50.5M	51.6M
SUMMARY
Total Liabilities & Equity	1.3B	1.3B	1.3B	1.3B	1.3B	1.1B	973.9M	882.4M	742.1M	722.6M	668.2M	650.5M	612.8M
Total Investments	1.1B	1.1B	1.2B	1.2B	1.1B	976.7M	908.3M	779.7M	681.4M	654.5M	0.0	0.0	0.0
Total Debt	30.3M	74.9M	133.2M	62.9M	23.2M	55.8M	71.5M	41.8M	20.1M	14.7M	5.2M	12.7M	12.7M
Net Debt	11.5M	55.8M	118.6M	46.1M	3.7M	-37.7M	59.5M	-8.8M	9.6M	1.7M	-23.2M	-17.9M	-4.8M
Shares Outstanding	11,105,300	11,105,300	11,105,300	11,105,300	11,105,300	11,105,300	11,105,300	11,105,300	11,105,300	11,105,300	11,105,300	11,105,300	11,105,300

SEC Filings

RBKB - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 26, 2026	May 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 19, 2026	May 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 14, 2026	May 14, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 14, 2026	March 31, 2026	2026	View Filing
S-1/A S-1/A (Amended) N/A	May 11, 2026	May 11, 2026		View Filing
S-1/A S-1/A (Amended) N/A	April 24, 2026	April 24, 2026		View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 15, 2026	May 19, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 13, 2026	December 31, 2025	2025	View Filing
S-1 S-1 N/A	March 13, 2026	March 13, 2026		View Filing

Showing 1 to 10 of 110 filings

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