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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 United States. The company offers deposits, including non-interest-bearing demand, interest-bearing demand, money market, commercial and personal checking, individual retirement, and savings accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; other consumer loans, including home equity loans; and personal loans. In addition, the company offers retail brokerage; retirement planning; financial planning and advisory; life insurance and investment products; ATMs, online banking and bill pay, mobile banking with mobile deposit and bill pay, automated clearing house origination, remote deposit capture, and telephone banking; debit and credit cards; wire transfer and merchant services; and wealth management services. Further, it invests in mutual funds and annuities. The company was founded in 1860 and is based in Poughkeepsie, New York.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Rhinebeck Bancorp is the holding company of Rhinebeck Bank, a small community bank serving the Hudson Valley with commercial and consumer lending, deposits, mortgages and wealth services. Growth drivers include local economic activity driving loan and deposit demand, modest branch or product expansion, and net interest margins that may benefit or suffer from interest-rate moves. Investors may find appeal in its local franchise and customer relationships.
Key risks are regional concentration, competition from larger banks and fintech, interest-rate and margin volatility, and credit or regulatory pressures common to small banks.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 12.69M | -10.94M | 5.61M | 8.90M | 14.99M |
| Net income | 10.04M | -8.62M | 4.39M | 7.00M | 11.56M |
| Selling general administrative | 11.55M | 21.48M | 20.69M | 22.43M | 22.62M |
| Selling and marketing expenses | 0.57M | 0.59M | 0.56M | 0.69M | 0.71M |
| Gross profit | 51.71M | 25.91M | 66.39M | 47.77M | 46.82M |
| Reconciled depreciation | 1.36M | 1.42M | 1.55M | 0.10M | 0.10M |
| Ebit | 12.68M | -10.94M | -1.51M | 15.65M | 14.99M |
| Ebitda | 13.57M | -9.51M | 0.09M | 15.75M | 15.09M |
| Depreciation and amortization | 0.89M | 1.42M | 1.60M | 0.10M | 0.10M |
| Operating income | 12.69M | -10.94M | -1.51M | 15.65M | 14.99M |
| Other operating expenses | 63.16M | 65.19M | 60.45M | 2.44M | 31.83M |
| Interest expense | 22.48M | 25.53M | 22.69M | 6.76M | 4.29M |
| Tax provision | 2.64M | -2.32M | 1.31M | 1.90M | 3.43M |
| Interest income | 68.87M | 63.76M | 58.40M | 48.59M | 43.70M |
| Net interest income | 46.39M | 38.23M | 38.58M | 41.84M | 39.41M |
| Income tax expense | 2.64M | -2.32M | 1.22M | 1.90M | 3.43M |
| Total revenue | 75.84M | 54.26M | 66.39M | 47.77M | 46.82M |
| Total operating expenses | 39.02M | 36.87M | 12.34M | 2.44M | -31.83M |
| Cost of revenue | 24.14M | 28.33M | - | - | - |
| Total other income expense net | 0.01M | -7.65M | 5.61M | -6.76M | 14.99M |
| Net income from continuing ops | 10.04M | -8.62M | 4.27M | 7.00M | 11.56M |
| Net income applicable to common shares | - | - | - | 7.00M | 11.56M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1301.77M | 1255.77M | 1316.10M | 1335.98M | 1281.17M |
| Intangible assets | 0.11M | 0.17M | 0.25M | 0.33M | 0.43M |
| Other current assets | - | - | 26.90M | 994.37M | 623.29M |
| Total liab | 1164.91M | 1133.93M | 1202.42M | 1227.85M | 23.20M |
| Total stockholder equity | 136.85M | 121.83M | 113.69M | 108.13M | 125.97M |
| Other current liab | 1097.34M | 1020.78M | 857.63M | 1129.93M | 1102.00M |
| Common stock | 0.11M | 0.11M | 0.11M | 0.11M | 0.11M |
| Capital stock | 0.11M | 0.11M | 0.11M | 0.11M | 0.11M |
| Retained earnings | 101.80M | 91.77M | 100.39M | 96.62M | 89.63M |
| Other liab | - | - | - | 14.37M | 9.13M |
| Good will | 2.23M | 2.23M | 2.23M | 2.23M | 2.23M |
| Other assets | 143.47M | - | - | 50.89M | 623.29M |
| Cash | 18.83M | 19.18M | 14.61M | 31.38M | 72.09M |
| Total current liabilities | 1098.95M | 1040.78M | 938.39M | 1155.23M | 5.16M |
| Net debt | 11.48M | 55.75M | 124.92M | 31.49M | -48.90M |
| Short term debt | 1.61M | 20.00M | 80.76M | - | 5.16M |
| Short long term debt | 1.61M | 20.00M | - | - | - |
| Short long term debt total | 30.31M | 74.93M | 139.53M | 62.88M | 23.20M |
| Other stockholder equity | 42.87M | 42.89M | 45.96M | 43.58M | 42.86M |
| Property plant equipment | - | - | - | 18.72M | 19.18M |
| Total current assets | 126.91M | 151.68M | 26.90M | 1253.67M | 355.74M |
| Long term investments | 162.20M | 159.95M | 191.99M | 223.66M | 280.28M |
| Net tangible assets | - | - | - | 105.56M | 123.30M |
| Short term investments | 103.20M | 128.07M | 191.99M | 223.66M | 280.28M |
| Net receivables | 4.88M | 4.43M | 4.62M | 4.25M | 3.37M |
| Long term debt | 28.69M | 54.93M | 133.22M | 62.88M | 23.20M |
| Inventory | - | - | -999.29M | - | - |
| Accounts payable | - | - | - | 25.30M | 1102.00M |
| Accumulated other comprehensive income | -7.93M | -12.94M | -32.77M | -32.19M | -6.63M |
| Common stock total equity | - | - | - | 0.11M | 0.11M |
| Retained earnings total equity | - | - | - | 96.62M | 89.63M |
| Non currrent assets other | 141.56M | 75.81M | 1237.72M | -223.66M | -3.35M |
| Non current assets total | 1174.85M | 1104.09M | 1289.20M | 31.42M | 302.13M |
| Long term debt total | - | - | - | 5.16M | 5.16M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 3.25M | 74.75M | -26.75M | -122.45M | -157.19M |
| Change to liabilities | - | - | - | 4.31M | 3.16M |
| Total cashflows from investing activities | 21.16M | 74.75M | - | -123.61M | -135.73M |
| Net borrowings | -44.62M | -58.29M | - | 39.68M | -32.63M |
| Total cash from financing activities | 31.60M | -67.86M | -31.00M | 68.11M | 106.69M |
| Change to operating activities | - | - | - | 0.63M | -3.38M |
| Net income | 10.04M | -8.62M | 4.39M | 7.00M | 11.56M |
| Change in cash | 64.50M | 15.36M | -9.26M | -40.71M | -21.39M |
| Begin period cash flow | 37.48M | 22.13M | 31.38M | 72.09M | 93.48M |
| End period cash flow | 101.99M | 37.48M | 22.13M | 31.38M | 72.09M |
| Total cash from operating activities | 11.74M | 8.47M | 7.59M | 14.79M | 7.65M |
| Depreciation | 1.36M | 1.42M | 1.60M | 1.65M | 1.66M |
| Other cashflows from investing activities | 18.76M | 39.81M | - | -0.02M | 23.23M |
| Dividends paid | - | - | - | - | 0.04M |
| Change to account receivables | -0.45M | 0.18M | -0.36M | -0.89M | 0.45M |
| Sale purchase of stock | -0.10M | 0.00M | -1.46M | -0.11M | -0.12M |
| Other cashflows from financing activities | 76.31M | -9.57M | -99.89M | 107.90M | 139.44M |
| Change to netincome | - | - | - | 5.36M | -3.54M |
| Capital expenditures | 0.85M | 0.79M | 0.60M | 1.13M | 1.77M |
| Change receivables | - | - | - | -0.89M | 0.45M |
| Cash flows other operating | - | - | - | -2.86M | -5.96M |
| Cash and cash equivalents changes | - | - | - | -40.71M | -21.39M |
| Change in working capital | -3.28M | -1.35M | 0.19M | -0.26M | -2.92M |
| Stock based compensation | 0.28M | 0.20M | 0.56M | 0.83M | 0.84M |
| Other non cash items | 1.49M | 19.39M | 1.20M | 5.55M | -4.59M |
| Free cash flow | 10.89M | 7.68M | 6.99M | 13.66M | 5.88M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| RBKB Rhinebeck Bancorp Inc |
0.04 0.35% |
12.98 | 14.42 | - | 3.85 | 1.44 | 3.95 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.55 1.14% |
222.00 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.86 2.47% |
33.89 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
1.29 1.58% |
82.76 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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 United States. The company offers deposits, including non-interest-bearing demand, interest-bearing demand, money market, commercial and personal checking, individual retirement, and savings accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; other consumer loans, including home equity loans; and personal loans. In addition, the company offers retail brokerage; retirement planning; financial planning and advisory; life insurance and investment products; ATMs, online banking and bill pay, mobile banking with mobile deposit and bill pay, automated clearing house origination, remote deposit capture, and telephone banking; debit and credit cards; wire transfer and merchant services; and wealth management services. Further, it invests in mutual funds and annuities. The company was founded in 1860 and is based in Poughkeepsie, New York.
2 Jefferson Plaza, Poughkeepsie, NY, United States, 12601
845 454 8555
158
| Name | Title | Year Born |
|---|---|---|
| Mr. Michael J. Quinn | CEO, Pres & Director | 1962 |
| Mr. Michael J. McDermott | Sr. VP, CFO & Principal Accounting Officer | 1953 |
| Ms. Jamie J. Bloom | COO & Sr. VP | 1967 |
| Ms. Karen E. Morgan-D'Amelio Esq. | Chief Risk Officer, Gen. Counsel & Corp. Sec. | 1971 |
| Megan Bourgoin | VP, Compliance Officer & Assistant Sec. | NA |
| Mr. Timmian C. Massie | Chief Marketing & Public Affairs Officer | 1959 |
| Jeanine Borko | Sr. VP of HR | NA |
| Mr. James T. McCardle III | Chief Credit Officer & Sr. VP | 1966 |
| Mark Malone | Sr. VP of Retail Banking | NA |
| Ms. Dawn Scherer | Sr. VP of Information Technology | NA |
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Consumer Cyclical
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Consumer Defensive
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Financial Services
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