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Rhinebeck Bancorp, Inc. RBKB
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 10.17
0.488 %
$ 113 M
Market Cap
-12.86
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one RBKB stock under the worst case scenario is HIDDEN Compared to the current market price of 10.2 USD, Rhinebeck Bancorp, Inc. is HIDDEN

RBKB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one RBKB stock under the base case scenario is HIDDEN Compared to the current market price of 10.2 USD, Rhinebeck Bancorp, Inc. is HIDDEN

RBKB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one RBKB stock under the best case scenario is HIDDEN Compared to the current market price of 10.2 USD, Rhinebeck Bancorp, Inc. is HIDDEN

RBKB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart RBKB

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1M 1%
6M 12%
1Y 33%
3Y 4%
5Y 38%
All
$10.6$10.6$10.4$10.4$10.2$10.2$10.0$10.0$9.8$9.8$9.6$9.6$9.4$9.4$9.2$9.2$9.0$9.0$8.8$8.8Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
25.9 M REVENUE
-37.82%
Growth Rates
1Year -37.82%
3Years -17.90%
5Years -7.31%
7Years -2.51%
10Years -0.87%
-3.29 M OPERATING INCOME
-55.29%
Growth Rates
1Year -55.29%
3Years -6.83%
5Years -7.54%
7Years -4.18%
10Years -5.11%
-8.62 M NET INCOME
-196.13%
Growth Rates
1Year -196.13%
3Years -20.41%
5Years -19.58%
7Years -21.33%
10Years -26.31%
8.47 M OPERATING CASH FLOW
20.18%
Growth Rates
1Year 20.18%
3Years 3.44%
5Years -1.17%
7Years 6.68%
10Years 0.00%
74.7 M INVESTING CASH FLOW
408.40%
Growth Rates
1Year 408.40%
3Years 36.63%
5Years 20.87%
7Years 26.28%
10Years 0.00%
-67.9 M FINANCING CASH FLOW
-118.87%
Growth Rates
1Year -118.87%
3Years -17.83%
5Years -12.90%
7Years -26.65%
10Years 0.00%
6.61 M REVENUE
2107.90%
Growth Rates
1Year -37.82%
3Years -17.90%
5Years -7.31%
7Years -2.51%
10Years -0.87%
-1.23 M OPERATING INCOME
88.09%
Growth Rates
1Year -55.29%
3Years -6.83%
5Years -7.54%
7Years -4.18%
10Years -5.11%
-2.65 M NET INCOME
67.08%
Growth Rates
1Year -196.13%
3Years -20.41%
5Years -19.58%
7Years -21.33%
10Years -26.31%
3.58 M OPERATING CASH FLOW
200.08%
Growth Rates
1Year 20.18%
3Years 3.44%
5Years -1.17%
7Years 6.68%
10Years 0.00%
-2.96 M INVESTING CASH FLOW
-9.94%
Growth Rates
1Year 408.40%
3Years 36.63%
5Years 20.87%
7Years 26.28%
10Years 0.00%
-9.52 M FINANCING CASH FLOW
33.22%
Growth Rates
1Year -118.87%
3Years -17.83%
5Years -12.90%
7Years -26.65%
10Years 0.00%
Balance Sheet Rhinebeck Bancorp, Inc.
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Current Assets 37.5 M
Cash & Short-Term Investments 37.5 M
Receivables 4.44 M
Other Current Assets -4.44 M
Non-Current Assets 1.22 B
Long-Term Investments 0
PP&E 14.1 M
Other Non-Current Assets 1.2 B
2.98 %95.89 %Total Assets$1.3b
Current Liabilities 28.8 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 28.8 M
Non-Current Liabilities 1.11 B
Long-Term Debt 74.9 M
Other Non-Current Liabilities 1.03 B
6.61 %90.85 %Total Liabilities$1.1b
EFFICIENCY
Earnings Waterfall Rhinebeck Bancorp, Inc.
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Revenue 25.9 M
Cost Of Revenue 0
Gross Profit 25.9 M
Operating Expenses 29.2 M
Operating Income -3.29 M
Other Expenses 5.33 M
Net Income -8.62 M
30m30m25m25m20m20m15m15m10m10m5m5m00(5m)(5m)(10m)(10m)26m026m(29m)(3m)(5m)(9m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
-12.68% OPERATING MARGIN
-12.68%
Averages
1Year -12.68%
3Years 11.45%
5Years 16.62%
7Years 19.24%
10Years 21.32%
-33.27% NET MARGIN
-33.27%
Averages
1Year -33.27%
3Years -2.69%
5Years 5.97%
7Years 8.37%
10Years 8.04%
-7.08% ROE
-7.08%
Averages
1Year -7.08%
3Years 1.09%
5Years 3.50%
7Years 4.33%
10Years 4.26%
-0.69% ROA
-0.69%
Averages
1Year -0.69%
3Years 0.06%
5Years 0.32%
7Years 0.39%
10Years 0.36%
-0.21% ROIC
-0.21%
Averages
1Year -0.21%
3Years 1.24%
5Years -0.62%
7Years -0.72%
10Years -0.19%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Rhinebeck Bancorp, Inc.
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14m14m12m12m10m10m8m8m6m6m4m4m2m2m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -8.62 M
Depreciation & Amortization 125 K
Capital Expenditures 0
Stock-Based Compensation 205 K
Change in Working Capital 0
Others 19.3 M
Free Cash Flow 7.68 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
5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership Rhinebeck Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
176 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
7. News
Rhinebeck Bank President and CEO Michael J. Quinn to Retire After 40 Years of Service; Board Initiates Leadership Transition POUGHKEEPSIE, NY / ACCESS Newswire / March 21, 2025 / Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), the holding company for Rhinebeck Bank (the "Bank"), today announced that President and Chief Executive Officer Michael J. Quinn will retire following an extraordinary 40-year career with the Bank, including 20 years as CEO. accessnewswire.com - 1 month ago
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 - 3 months 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 - 4 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 - 6 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 - 7 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 - 9 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 - 10 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 - 1 year 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
8. Profile Summary

Rhinebeck Bancorp, Inc. RBKB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 113 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 157
Officers Mr. Mark Malone Chief Retail Officer Megan Bourgoin Vice President, Compliance Officer & Assistant Secretary Patrick Laffin Senior Vice President of Deposit Operations & Electronic Payments Vincent LoBosco Senior Vice President of Consumer Lending Diane Passaro Senior Vice President & Commercial Team Leader of Hudson Valley West Mr. James T. McCardle III Chief Credit Officer & Senior Vice President Mr. Michael J. Quinn Chief Executive Officer, President & Director 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 Ms. Dawn Scherer Senior Vice President of Information Technology