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Rhinebeck Bancorp, Inc. RBKB
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 9.6327
0.236 %
$ 107 M
Market Cap
-20.5
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one RBKB stock under the base case scenario is HIDDEN Compared to the current market price of 9.63 USD, Rhinebeck Bancorp, Inc. is HIDDEN

RBKB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart RBKB

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FINANCIALS
41.7 M REVENUE
-12.77%
Growth Rates
1Year -12.77%
3Years -2.29%
5Years 4.40%
7Years 5.25%
10Years 3.64%
5.94 M OPERATING INCOME
-62.03%
Growth Rates
1Year -62.03%
3Years -7.36%
5Years -11.08%
7Years -2.43%
10Years 1.53%
4.4 M NET INCOME
-37.19%
Growth Rates
1Year -37.19%
3Years -9.44%
5Years 0.17%
7Years 7.27%
10Years 12.18%
7.05 M OPERATING CASH FLOW
-52.36%
Growth Rates
1Year -52.36%
3Years -21.99%
5Years -3.92%
7Years 5.33%
10Years 0.00%
14.7 M INVESTING CASH FLOW
111.89%
Growth Rates
1Year 111.89%
3Years 30.03%
5Years 16.45%
7Years 11.94%
10Years 0.00%
-31 M FINANCING CASH FLOW
-45.52%
Growth Rates
1Year -45.52%
3Years -6.86%
5Years -4.20%
7Years -6.84%
10Years 0.00%
6.01 M REVENUE
-65.23%
Growth Rates
1Year -12.77%
3Years -2.29%
5Years 4.40%
7Years 5.25%
10Years 3.64%
-10.3 M OPERATING INCOME
-669.64%
Growth Rates
1Year -62.03%
3Years -7.36%
5Years -11.08%
7Years -2.43%
10Years 1.53%
-8.06 M NET INCOME
-826.87%
Growth Rates
1Year -37.19%
3Years -9.44%
5Years 0.17%
7Years 7.27%
10Years 12.18%
-2.85 M OPERATING CASH FLOW
-25.23%
Growth Rates
1Year -52.36%
3Years -21.99%
5Years -3.92%
7Years 5.33%
10Years 0.00%
29 M INVESTING CASH FLOW
37.63%
Growth Rates
1Year 111.89%
3Years 30.03%
5Years 16.45%
7Years 11.94%
10Years 0.00%
-14.3 M FINANCING CASH FLOW
50.24%
Growth Rates
1Year -45.52%
3Years -6.86%
5Years -4.20%
7Years -6.84%
10Years 0.00%
Balance Sheet Decomposition Rhinebeck Bancorp, Inc.
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Current Assets 22.1 M
Cash & Short-Term Investments 22.1 M
Receivables 0
Other Current Assets 0
Non-Current Assets 1.29 B
Long-Term Investments 192 M
PP&E 23.9 M
Other Non-Current Assets 1.08 B
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 1.2 B
Long-Term Debt 58.8 M
Other Non-Current Liabilities 1.14 B
EFFICIENCY
Earnings Waterfall Rhinebeck Bancorp, Inc.
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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
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
14.26% OPERATING MARGIN
14.26%
Averages
1Year 14.26%
3Years 26.35%
5Years 23.11%
7Years 25.62%
10Years 24.39%
10.55% NET MARGIN
10.55%
Averages
1Year 10.55%
3Years 16.63%
5Years 15.77%
7Years 14.51%
10Years 11.70%
3.87% ROE
3.87%
Averages
1Year 3.87%
3Years 6.50%
5Years 6.00%
7Years 6.12%
10Years 5.15%
0.33% ROA
0.33%
Averages
1Year 0.33%
3Years 0.59%
5Years 0.58%
7Years 0.54%
10Years 0.44%
2.79% ROIC
2.79%
Averages
1Year 2.79%
3Years 5.91%
5Years 4.89%
7Years 5.58%
10Years 5.81%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Rhinebeck Bancorp, Inc.
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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
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Rhinebeck Bancorp, Inc.
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RBKB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION

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Undervalued 212.50%

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Overvalued 41.05%

First Financial Northwest, Inc. operates as the bank holding company for First Financial Northwest Bank that provides commercial banking services in Washington.

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Overvalued 12.55%

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6. Ownership
Insider Ownership Rhinebeck Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
18 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
25.3 K USD 1
9-12 MONTHS
Date Value Insider Amount Avg Price
11 months ago
Dec 05, 2023
Sell 14.2 K USD
Bloom Jamie J.
Chief Operating Officer
- 2234
 6.369 USD
11 months ago
Dec 06, 2023
Sell 3.75 K USD
Bloom Jamie J.
Chief Operating Officer
- 600
 6.25 USD
11 months ago
Dec 01, 2023
Bought 12.6 K USD
Tumolo Louis Jr.
Director
+ 2000
 6.3 USD
11 months ago
Nov 30, 2023
Bought 12.7 K USD
Tumolo Louis Jr.
Director
+ 2000
 6.335 USD
1 year ago
Feb 28, 2023
Sell 6.77 K USD
Morgan-D'Amelio Karen E.
CRO, Gen. Cnsl and Corp Sec.
- 725
 9.34 USD
1 year 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
2 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 20.6 K USD
Howell Steven E
Director
+ 3000
 6.88 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 18.5 K USD
Howell Steven E
Director
+ 2700
 6.84 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 6.81 K USD
Howell Steven E
Director
+ 992
 6.86 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
4 years ago
Mar 04, 2020
Bought 2.06 K USD
Quinn Michael J.
President and CEO
+ 200
 10.29 USD
4 years ago
Mar 04, 2020
Bought 5.15 K USD
Quinn Michael J.
President and CEO
+ 500
 10.3 USD
4 years ago
Mar 03, 2020
Bought 5.18 K USD
Quinn Michael J.
President and CEO
+ 500
 10.35 USD
4 years ago
Mar 02, 2020
Bought 1.05 K USD
Quinn Michael J.
President and CEO
+ 100
 10.49 USD
5 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 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 - 3 weeks 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 - 1 month 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 - 3 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 - 4 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 - 6 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 - 9 months 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
Rhinebeck Bank promotes Philip J. Bronzi to Chief Lending Officer POUGHKEEPSIE, N.Y., June 2, 2021 /PRNewswire/ -- Rhinebeck Bank, the wholly-owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ: RBKB), has promoted Philip J. prnewswire.com - 3 years ago
8. Profile Summary

Rhinebeck Bancorp, Inc. RBKB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 107 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 Jeanine Borko Senior Vice President of Human Resources Mr. Phillip Lekanides Vice President & Controller Ms. Jamie J. Bloom Executive Vice President, Chief Operating Officer & Chief Banking Officer Mr. Mark Malone Chief Retail Officer Ms. Karen E. Morgan-D'Amelio Esq. Chief Risk Officer, General Counsel & Corporate Secretary Megan Bourgoin Vice President, Compliance Officer & Assistant Secretary Mr. Timmian C. Massie Chief Marketing & Public Affairs Officer Mr. James T. McCardle III Chief Credit Officer & Senior Vice President Mr. Michael J. Quinn Chief Executive Officer, President & Director Mr. Kevin Nihill C.F.A. Chief Financial Officer