Financial Services -
Banks - Regional - NASDAQ - US
$ 10.25
0.781 %
$ 114 M
Market Cap
-12.81
P/E
1. INTRINSIC VALUE
Balance Sheet
Rhinebeck Bancorp, Inc.
| Current Assets | 22.1 M |
| Cash & Short-Term Investments | 206 M |
| Receivables | 4.62 M |
| Other Current Assets | -189 M |
| Non-Current Assets | 1.29 B |
| Long-Term Investments | 192 M |
| PP&E | 23.9 M |
| Other Non-Current Assets | 1.07 B |
| Current Liabilities | 8.5 M |
| Accounts Payable | 0 |
| Short-Term Debt | 0 |
| Other Current Liabilities | 8.5 M |
| Non-Current Liabilities | 1.19 B |
| Long-Term Debt | 58.8 M |
| Other Non-Current Liabilities | 1.13 B |
EFFICIENCY
Earnings Waterfall
Rhinebeck Bancorp, Inc.
| Revenue | 41.7 M |
| Cost Of Revenue | 0 |
| Gross Profit | 41.7 M |
| Operating Expenses | 43.7 M |
| Operating Income | 5.94 M |
| Other Expenses | 1.55 M |
| Net Income | 4.4 M |
RATIOS
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Rhinebeck Bancorp, Inc.
| Net Income | 4.4 M |
| Depreciation & Amortization | 1.49 M |
| Capital Expenditures | -578 K |
| Stock-Based Compensation | 558 K |
| Change in Working Capital | 190 K |
| Others | 955 K |
| Free Cash Flow | 6.47 M |
Wall Street Analysts Price Targets
Rhinebeck Bancorp, Inc.
RBKB has no price targets from Wall Street.
4. DIVIDEND
ANALYSIS
RBKB does not distribute dividends.
5. COMPETITION
6. Ownership
Insider Ownership
Rhinebeck Bancorp, Inc.
Sold
0-3 MONTHS
145 K USD 1
3-6 MONTHS
31.6 K USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
10 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
2 weeks ago
Feb 13, 2025
|
Bought
10 K USD
|
Nihill Kevin M
CFO and Treasurer
|
+ 1000
|
10 USD |
|
2 months ago
Dec 06, 2024
|
Sell 145 K
USD
|
Dwyer Francis X.
President of Subsidiary
|
- 14779
|
9.78 USD |
|
3 months ago
Nov 29, 2024
|
Sell 5.24 K
USD
|
Morgan-D'Amelio Karen E.
CRO, Gen. Cnsl and Corp Sec.
|
- 536
|
9.78 USD |
|
3 months ago
Nov 29, 2024
|
Sell 9.86 K
USD
|
Morgan-D'Amelio Karen E.
CRO, Gen. Cnsl and Corp Sec.
|
- 1000
|
9.86 USD |
|
3 months ago
Nov 26, 2024
|
Sell 13.3 K
USD
|
Morgan-D'Amelio Karen E.
CRO, Gen. Cnsl and Corp Sec.
|
- 1354
|
9.8 USD |
|
3 months ago
Nov 26, 2024
|
Sell 746
USD
|
Morgan-D'Amelio Karen E.
CRO, Gen. Cnsl and Corp Sec.
|
- 76
|
9.81 USD |
|
3 months ago
Nov 25, 2024
|
Sell 2.46 K
USD
|
Dwyer Francis X.
President of Subsidiary
|
- 250
|
9.8298 USD |
|
1 year ago
Dec 05, 2023
|
Sell 14.2 K
USD
|
Bloom Jamie J.
Chief Operating Officer
|
- 2234
|
6.369 USD |
|
1 year ago
Dec 06, 2023
|
Sell 3.75 K
USD
|
Bloom Jamie J.
Chief Operating Officer
|
- 600
|
6.25 USD |
|
1 year ago
Dec 01, 2023
|
Bought
12.6 K USD
|
Tumolo Louis Jr.
Director
|
+ 2000
|
6.3 USD |
|
1 year ago
Nov 30, 2023
|
Bought
12.7 K USD
|
Tumolo Louis Jr.
Director
|
+ 2000
|
6.335 USD |
|
2 years ago
Feb 28, 2023
|
Sell 6.77 K
USD
|
Morgan-D'Amelio Karen E.
CRO, Gen. Cnsl and Corp Sec.
|
- 725
|
9.34 USD |
|
2 years ago
Mar 01, 2023
|
Sell 5.61 K
USD
|
Morgan-D'Amelio Karen E.
CRO, Gen. Cnsl and Corp Sec.
|
- 600
|
9.35 USD |
|
2 years ago
Sep 12, 2022
|
Sell 27.9 K
USD
|
Bloom Jamie J.
Chief Operating Officer
|
- 3000
|
9.3 USD |
|
2 years ago
May 13, 2022
|
Sell 25 K
USD
|
Bloom Jamie J.
Chief Operating Officer
|
- 2609
|
9.59 USD |
|
3 years ago
Feb 17, 2022
|
Bought
10.9 K USD
|
Quinn Michael J.
President and CEO
|
+ 1000
|
10.875 USD |
|
4 years ago
Sep 10, 2020
|
Bought
6.34 K USD
|
Quinn Michael J.
President and CEO
|
+ 990
|
6.4 USD |
|
4 years ago
Sep 08, 2020
|
Bought
8.93 K USD
|
Tumolo Louis Jr.
Director
|
+ 1400
|
6.38 USD |
|
4 years ago
Sep 08, 2020
|
Bought
8.93 K USD
|
Tumolo Louis Jr.
Director
|
+ 1400
|
6.3798 USD |
|
4 years ago
Sep 08, 2020
|
Bought
638 USD
|
Tumolo Louis Jr.
Director
|
+ 100
|
6.379 USD |
|
4 years ago
Sep 08, 2020
|
Bought
638 USD
|
Tumolo Louis Jr.
Director
|
+ 100
|
6.375 USD |
|
4 years ago
Jun 30, 2020
|
Bought
6.6 K USD
|
Tumolo Louis Jr.
Director
|
+ 1000
|
6.6 USD |
|
4 years ago
Aug 31, 2020
|
Bought
680 USD
|
Quinn Michael J.
President and CEO
|
+ 100
|
6.8 USD |
|
4 years ago
Aug 28, 2020
|
Bought
2.06 K USD
|
Howell Steven E
Director
|
+ 300
|
6.85 USD |
|
4 years ago
Aug 28, 2020
|
Bought
20.6 K USD
|
Howell Steven E
Director
|
+ 3000
|
6.88 USD |
|
4 years ago
Aug 28, 2020
|
Bought
18.5 K USD
|
Howell Steven E
Director
|
+ 2700
|
6.84 USD |
|
4 years ago
Aug 28, 2020
|
Bought
6.81 K USD
|
Howell Steven E
Director
|
+ 992
|
6.86 USD |
|
4 years ago
Aug 28, 2020
|
Bought
13.6 K USD
|
Howell Steven E
Director
|
+ 2000
|
6.8 USD |
|
4 years ago
Aug 28, 2020
|
Bought
54.6 USD
|
Howell Steven E
Director
|
+ 8
|
6.83 USD |
|
4 years ago
Aug 28, 2020
|
Bought
6.82 K USD
|
Howell Steven E
Director
|
+ 1000
|
6.82 USD |
|
4 years ago
Aug 05, 2020
|
Bought
7.66 K USD
|
Irwin William C.
Director
|
+ 1100
|
6.96 USD |
|
4 years ago
Aug 05, 2020
|
Bought
2.87 K USD
|
Irwin William C.
Director
|
+ 417
|
6.89 USD |
|
4 years ago
Aug 05, 2020
|
Bought
2.74 K USD
|
Irwin William C.
Director
|
+ 400
|
6.85 USD |
|
4 years ago
Aug 05, 2020
|
Bought
2.39 K USD
|
Irwin William C.
Director
|
+ 350
|
6.84 USD |
|
4 years ago
Aug 05, 2020
|
Bought
683 USD
|
Irwin William C.
Director
|
+ 100
|
6.83 USD |
|
4 years ago
Aug 05, 2020
|
Bought
681 USD
|
Irwin William C.
Director
|
+ 100
|
6.81 USD |
|
4 years ago
Aug 05, 2020
|
Bought
2.23 K USD
|
Irwin William C.
Director
|
+ 333
|
6.69 USD |
|
4 years ago
Aug 05, 2020
|
Bought
1.34 K USD
|
Irwin William C.
Director
|
+ 200
|
6.68 USD |
|
4 years ago
Jun 04, 2020
|
Sell 3.8 K
USD
|
Chestney Christopher W.
Director
|
- 550
|
6.91 USD |
|
4 years ago
Jun 04, 2020
|
Sell 1.39 K
USD
|
Chestney Christopher W.
Director
|
- 200
|
6.94 USD |
|
4 years ago
Jun 03, 2020
|
Bought
4.83 K USD
|
Quinn Michael J.
President and CEO
|
+ 700
|
6.9 USD |
|
4 years ago
May 27, 2020
|
Bought
5.06 K USD
|
Chestney Christopher W.
Director
|
+ 750
|
6.75 USD |
|
4 years ago
May 15, 2020
|
Bought
6.75 K USD
|
Quinn Michael J.
President and CEO
|
+ 900
|
7.5 USD |
|
4 years ago
May 14, 2020
|
Bought
690 USD
|
Quinn Michael J.
President and CEO
|
+ 100
|
6.9 USD |
|
4 years ago
May 07, 2020
|
Bought
9.4 K USD
|
Irwin William C.
Director
|
+ 1200
|
7.83 USD |
|
4 years ago
May 07, 2020
|
Bought
2.31 K USD
|
Irwin William C.
Director
|
+ 301
|
7.69 USD |
|
4 years ago
May 07, 2020
|
Bought
9.75 K USD
|
Irwin William C.
Director
|
+ 1300
|
7.5 USD |
|
4 years ago
May 07, 2020
|
Bought
742 USD
|
Irwin William C.
Director
|
+ 99
|
7.49 USD |
|
4 years ago
May 07, 2020
|
Bought
735 USD
|
Irwin William C.
Director
|
+ 100
|
7.35 USD |
|
4 years ago
Mar 13, 2020
|
Bought
3.56 K USD
|
Tumolo Louis Jr.
Director
|
+ 400
|
8.9 USD |
|
4 years ago
Mar 12, 2020
|
Bought
7.02 K USD
|
Chestney Christopher W.
Director
|
+ 750
|
9.36 USD |
|
4 years ago
Mar 11, 2020
|
Bought
9.65 K USD
|
Quinn Michael J.
President and CEO
|
+ 1000
|
9.65 USD |
|
4 years ago
Mar 11, 2020
|
Bought
19.6 K USD
|
Tumolo Louis Jr.
Director
|
+ 2000
|
9.8 USD |
|
4 years ago
Mar 06, 2020
|
Bought
10.2 K USD
|
Tumolo Louis Jr.
Director
|
+ 1000
|
10.2 USD |
|
4 years ago
Mar 05, 2020
|
Bought
2.46 K USD
|
Quinn Michael J.
President and CEO
|
+ 241
|
10.2 USD |
|
4 years ago
Mar 05, 2020
|
Bought
2.04 K USD
|
Quinn Michael J.
President and CEO
|
+ 200
|
10.2 USD |
|
4 years ago
Mar 05, 2020
|
Bought
602 USD
|
Quinn Michael J.
President and CEO
|
+ 59
|
10.2 USD |
|
4 years ago
Mar 05, 2020
|
Bought
2.05 K USD
|
Quinn Michael J.
President and CEO
|
+ 200
|
10.25 USD |
|
4 years ago
Mar 05, 2020
|
Bought
1.02 K USD
|
Quinn Michael J.
President and CEO
|
+ 100
|
10.25 USD |
|
4 years ago
Mar 05, 2020
|
Bought
2.05 K USD
|
Quinn Michael J.
President and CEO
|
+ 200
|
10.25 USD |
|
5 years ago
Mar 04, 2020
|
Bought
2.06 K USD
|
Quinn Michael J.
President and CEO
|
+ 200
|
10.29 USD |
|
5 years ago
Mar 04, 2020
|
Bought
5.15 K USD
|
Quinn Michael J.
President and CEO
|
+ 500
|
10.3 USD |
|
5 years ago
Mar 03, 2020
|
Bought
5.18 K USD
|
Quinn Michael J.
President and CEO
|
+ 500
|
10.35 USD |
|
5 years ago
Mar 02, 2020
|
Bought
1.05 K USD
|
Quinn Michael J.
President and CEO
|
+ 100
|
10.49 USD |
|
6 years ago
Jan 17, 2019
|
Bought
2.93 K USD
|
Dwyer Francis X.
President of Subsidiary
|
+ 250
|
11.7114 USD |
7. News
Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2024
POUGHKEEPSIE, NY / ACCESS Newswire / January 30, 2025 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported a net loss for the fourth quarter of 2024 of $2.7 million, compared to net income of $930,000 for the fourth quarter of 2023. Diluted loss per share was $0.25 for the fourth quarter of 2024, compared to diluted earnings per share of $0.09 for the same quarter of 2023.
accessnewswire.com
- 1 month ago
Rhinebeck Bancorp, Inc. Completes Further Balance Sheet Restructuring
POUGHKEEPSIE, NY / ACCESSWIRE / December 26, 2024 / Rhinebeck Bancorp, Inc. (NASDAQ:RBKB) (the "Company"), the parent company of Rhinebeck Bank (the "Bank"), announced the sale of a portion of its available-for-sale investment securities portfolio as part of a strategic balance sheet repositioning. In September 2024, the Company announced the sale of $71 million of available-for-sale securities.
accesswire.com
- 2 months ago
Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended September 30, 2024
POUGHKEEPSIE, NY / ACCESSWIRE / October 24, 2024 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported a net loss for the third quarter of 2024 of $8.1 million, compared to net income of $1.2 million for the third quarter of 2023. Loss per share was $0.75 for the third quarter of 2024, compared to diluted earnings per share of $0.11 for the same quarter of 2023.
accesswire.com
- 4 months ago
Rhinebeck Bancorp, Inc. Completes Balance Sheet Restructuring
POUGHKEEPSIE, NY / ACCESSWIRE / September 27, 2024 / Rhinebeck Bancorp, Inc. (NASDAQ:RBKB) (the "Company"), the parent company of Rhinebeck Bank (the "Bank"), announced the sale of a significant portion of its available-for-sale investment securities portfolio as part of a strategic balance sheet repositioning. In September 2024, the Bank sold $71 million of available-for-sale securities.
accesswire.com
- 5 months ago
Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2024
POUGHKEEPSIE, NY / ACCESSWIRE / July 25, 2024 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended June 30, 2024 of $975,000 ($0.09 per basic and diluted share), which was $456,000, or 31.9% less than the comparable prior year period of $1.4 million ($0.13 per basic and diluted share). Net income for the six months ended June 30, 2024 of $2.1 million ($0.19 per basic and diluted share) was $133,000, or 6.0%, less than the same period last year.
accesswire.com
- 7 months ago
Rhinebeck Bancorp Announces Appointment of Kevin Nihill as Chief Financial Officer
POUGHKEEPSIE, NY / ACCESSWIRE / June 25, 2024 / Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), the holding company of Rhinebeck Bank, announced the appointment of Kevin Nihill as Chief Financial Officer of Rhinebeck Bancorp and Rhinebeck Bank. Nihill replaced former Chief Financial Officer, Michael McDermott, who retired from the Bank after 23 years of service.
accesswire.com
- 8 months ago
Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2024
POUGHKEEPSIE, NY / ACCESSWIRE / April 25, 2024 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended March 31, 2024 of $1.1 million ($0.10 per basic and diluted share), which was $323,000, or 40.5%, higher than the comparable prior year period of $798,000 ($0.07 per basic and diluted share). The increase in net income for the quarter ended March 31, 2024 was primarily due to an increase in non-interest income and decreases in the provision for credit losses and non-interest expenses, partially offset by a decrease in net interest income, as compared to the quarter ended March 31, 2023.
accesswire.com
- 10 months ago
Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2023
POUGHKEEPSIE, NY / ACCESSWIRE / January 25, 2024 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended December 31, 2023 of $930,000 ($0.09 per basic and diluted share), which was $122,000, or 15.1%, higher than the comparable prior year period. Net income for the year ended December 31, 2023 of $4.4 million ($0.41 per basic and $0.40 per diluted share) was $2.6 million, or 37.2%, less than the prior year.
accesswire.com
- 1 year ago
Rhinebeck Bancorp, Inc. Reports Results for the Three and Nine Months Ended September 30, 2023
POUGHKEEPSIE, NY / ACCESSWIRE / October 26, 2023 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended September 30, 2023 of $1.2 million ($0.12 per basic and $0.11 per diluted share), which was $871,000, or 41.3%, less than the comparable prior year period. Net income for the nine months ended September 30, 2023 of $3.5 million ($0.32 per basic and diluted share), was $2.7 million, or 44.0%, less than the same period last year.
accesswire.com
- 1 year ago
Rhinebeck Bancorp, Inc. Reports Results for the Three and Six Months Ended June 30, 2023
POUGHKEEPSIE, NY / ACCESSWIRE / July 27, 2023 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended June 30, 2023 of $1.4 million ($0.13 per basic and diluted share), which was $598,000, or 29.5%, less than the comparable prior year period. Net income for the six months ended June 30, 2023 of $2.2 million ($0.21 per basic and $0.20 per diluted share), was $1.9 million, or 45.4%, less than the same period last year.
accesswire.com
- 1 year ago
Rhinebeck Bancorp, Inc. Reports Results for the Three and Six Months Ended June 30, 2021
POUGHKEEPSIE, N.Y., July 29, 2021 /PRNewswire/ -- Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended June 30, 2021 of $2.6 million ($0.24 per basic and $0.23 per diluted share), which was $1.2 million, or 90.3%, more than the comparable prior year period, and net income for the six months ended June 30, 2021 of $5.9 million ($0.55 per basic and $0.54 per diluted share), which was $3.5 million, or 142.9%, greater than the same period last year.
prnewswire.com
- 3 years ago
Rhinebeck Bank expands Commercial Lending Team into Albany market
ALBANY, N.Y., June 9, 2021 /PRNewswire/ -- Rhinebeck Bank, the wholly-owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ: RBKB), has expanded its presence in the Capital District with a new Commercial Lending office in the Albany market.
prnewswire.com
- 3 years ago
8. Profile
Summary
Rhinebeck Bancorp, Inc. RBKB
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 114 M
Dividend Yield
0.00%
Description
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.
Contact
2 Jefferson Plaza, Poughkeepsie, NY, 12601
https://www.rhinebeckbank.com
IPO
Date
Jan. 17, 2019
Employees
164
Officers
Mr. Kevin Nihill C.F.A.
Chief Financial Officer
Jeanine Borko
Senior Vice President of Human Resources
Megan Bourgoin
Vice President, Compliance Officer & Assistant Secretary
Mr. James T. McCardle III
Chief Credit Officer & Senior Vice President
Ms. Dawn Scherer
Senior Vice President of Information Technology
Mr. Michael J. Quinn
Chief Executive Officer, President & Director
Mr. Phillip Lekanides
Vice President & Controller
Ms. Jamie J. Bloom
Executive Vice President, Chief Operating Officer & Chief Banking Officer
Ms. Karen E. Morgan-D'Amelio Esq.
Chief Risk Officer, General Counsel & Corporate Secretary
Mr. Mark Malone
Chief Retail Officer