Rhinebeck Bancorp, Inc. (RBKB) AI Stock Analysis
RBKB AI stock analysis summary
AI ResearchRhinebeck Bancorp, Inc. (RBKB) serves as the bank holding company for Rhinebeck Bank, operating in New York's Hudson Valley region. The company rebounded in FY2025 with revenue climbing 39.8% to $75.8M and net income reaching $10.0M. It holds a solid liquidity profile with $182.0M in net cash as of June 30, 2026.
- Market cap
- $200.9M
- Revenue (TTM)
- $52.0M
- P/E
- 14.1x
- 1Y return
- 73.8% S&P 500 16.8%
- Avg. target
- —
Bull case
- Revenue surged 39.8% in FY2025 to $75.8M, returning the business to profitability with $10.0M in net income.
- The balance sheet is well capitalized with $182.0M in net cash and a conservative debt-to-equity ratio of 0.07.
- The stock has shown strong price momentum, gaining 73.8% over the past year compared to 16.8% for the S&P 500.
Bear case
- Rhinebeck Bancorp trades at a trailing P/E of 14.1x, above the median of its US-listed Financial Services peers at 12.1x.
- Quarterly revenue growth slowed to 1.4% year-over-year in the quarter ended June 30, 2026, while quarterly earnings fell 4.0%.
- Operating margins have shown significant volatility in recent years, plunging to -20.2% in FY2024 before recovering to 16.7% in FY2025.
What Rhinebeck Bancorp does
Rhinebeck Bancorp, Inc., headquartered in Poughkeepsie, New York, operates as the bank holding company for Rhinebeck Bank. Serving consumer and commercial clients in the Hudson Valley, the institution provides deposits, automobile loans, commercial real estate financing, and residential mortgage loans. It also delivers brokerage, financial advisory services, life insurance, and investment products. Its footprint includes 15 branches and 2 representative offices across Dutchess, Ulster, Orange, and Albany counties, alongside an ATM in Tivoli, New York.
Growth and profitability
Rhinebeck Bancorp increased revenue at a 5-year CAGR of 7.6% from FY2020 through FY2025. Following a net loss of -$8.6M in FY2024, performance recovered in FY2025 as revenue rose 39.8% to $75.8M and net income reached $10.0M, generating EPS of $0.91. Operating margin stood at 16.7% in FY2025, up from -20.2% in FY2024. Over the trailing twelve months ended June 30, 2026, revenue was $52.0M with a profit margin of 18.9% and an operating margin of 27.2%. For the latest quarter ended June 30, 2026, revenue grew 1.4% year-over-year, while quarterly earnings declined 4.0%.
Balance sheet and cash flow
As of June 30, 2026, Rhinebeck Bancorp held $192.3M in cash and short-term investments against $10.3M in total debt, resulting in net cash of $182.0M. Shareholders' equity was $139.6M against total assets of $1.47B, yielding a low debt-to-equity ratio of 0.07 and a current ratio of 0.15. In FY2025, the bank generated $11.7M in operating cash flow and $10.9M in free cash flow. Capital expenditures were $850,000, and share buybacks totaled $95,000, contributing to a 0.9% reduction in share count over 5 years.
Valuation and performance
At $12.85 per share, Rhinebeck Bancorp has a market capitalization of $200.9M and an enterprise value of -$90.8M. The stock trades at a trailing price-to-earnings ratio of 14.1x and a price-to-sales ratio of 3.9x, both higher than the median of its US-listed Financial Services peers at 12.1x and 3.2x, respectively. The stock trades at a price-to-book ratio of 1.4x. Over the past year, the stock returned 73.8%, outperforming the S&P 500 (SPY) return of 16.8%, though its 5-year return of 64.8% trails the index return of 83.0%.
What analysts expect
Wall Street analyst ratings and price targets are not published for Rhinebeck Bancorp. The company generated trailing twelve months EPS of $0.91 as of June 30, 2026. Rhinebeck Bancorp's next earnings report date is scheduled for October 27, 2026.
Key risks and what to watch
- The company demonstrated profitability swings recently, shifting from a -$8.6M net loss in FY2024 to a $10.0M gain in FY2025.
- Trailing twelve-month return on assets is relatively modest at 0.7%, alongside a return on equity of 7.3%.
- Trading liquidity may be constrained, as insiders hold 43.0% of the shares.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this RBKB AI stock analysis
This page is an AI-written research summary of Rhinebeck Bancorp, Inc. (RBKB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: RBKB income statement, RBKB balance sheet, RBKB key metrics, RBKB chart. See the RBKB stock overview for the latest quote and news.
RBKB AI stock analysis FAQ
Does Rhinebeck Bancorp pay a dividend?
Rhinebeck Bancorp does not currently report dividend payments.
What is Rhinebeck Bancorp's debt position?
As of June 30, 2026, the company held $10.3M in total debt against $192.3M in cash and short-term investments, resulting in net cash of $182.0M and a debt-to-equity ratio of 0.07.
When is Rhinebeck Bancorp's next earnings date?
The company's next earnings date is scheduled for October 27, 2026.
Who owns Rhinebeck Bancorp?
Insiders hold 43.0% of shares, institutions own 16.3%, and short interest accounts for 4.0% of the float.