NASDAQ · Banks - Regional

RBKB (RBKB) Stock

$12.32 -0.73% NASDAQ: RBKB Financial Services

Valuation

MetricValue
Price$12.32
Market Cap$192.66M
P/E Ratio17.20
P/B Ratio1.29
P/S Ratio2.33
EPS (TTM)$0.92
52-Week High$17.99
52-Week Low$9.41
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE7.30%
ROA0.77%
ROCE9.49%
Gross Margin17.11%
Operating Margin17.11%
Net Margin13.20%
Debt/Equity0.12
Current Ratio0.12

Annual Financials (USD)

Metric20212022202320242025
Revenue$51.0M$55.0M$66.0M$54.0M$76.0M
Operating Profit$15.0M$9.0M$6.0M$-11.0M$13.0M
Net Profit$12.0M$7.0M$4.0M$-9.0M$10.0M
EPS$1.06$0.64$0.40$-0.80$0.92
Op Margin29.3%16.3%8.5%-20.2%16.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.3B$1.3B$1.3B$1.3B$1.3B
Total Liabilities$1.2B$1.2B$1.2B$1.1B$1.2B
Cash$19.0M$17.0M$15.0M$19.0M$19.0M
Borrowings$23.0M$63.0M$133.0M$75.0M$30.0M

Latest News

Rhinebeck Bank Expands Commercial Banking Presence With New Westchester County Office ACCESS Newswire · Jul 15, 2026 Rhinebeck Bancorp, Inc. Announces Stockholder and Depositor Approvals of Pending Conversion Transaction ACCESS Newswire · Jun 29, 2026 Rhinebeck Bancorp, Inc. Announces Commencement of Stock Offering ACCESS Newswire · May 26, 2026 Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2026 ACCESS Newswire · Apr 23, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$8.0M$15.0M$7.0M$8.0M$12.0M
Investing Cash Flow$-138.0M$-125.0M$14.0M$74.0M$20.0M
Financing Cash Flow$139.0M$28.0M$-101.0M$-10.0M$76.0M
Net Cash Flow$-21.0M$-41.0M$-9.0M$15.0M$65.0M
Free Cash Flow$6.0M$14.0M$6.0M$8.0M$11.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y40.37%
Return 3Y144.66%
Return 5Y56.06%

Ownership

Insiders Held59.86%
Institutions Held20.48%
Institutions Float Held51.03%
Institutional HolderSharesReport Date
M3F, Inc.1,010,4202026-03-31
Alliancebernstein L.P.386,6082026-03-31
Vanguard Capital Management LLC184,4912026-03-31
Blackrock Inc.168,9262026-03-31
Geode Capital Management, LLC93,6092026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AFBI $22.98 +0.13% 17.43 $140.06M 0.00%
FGBI $9.36 +0.75% -2.13 $154.10M 0.45%
LSBK $17.20 +0.00% 14.78 $135.24M 2.23%
MGYR $18.18 -0.65% 9.93 $117.46M 2.05%
PROV $17.83 -1.25% 18.42 $111.53M 3.25%

About RBKB

RBKB is led by CEO Matthew J. Smith, employs 157 people, headquartered in US, publicly traded since 2019.

RBKB stock trades at $12.32 with a market capitalization of $192.66M. The stock is valued at a price-to-earnings (P/E) ratio of 17.20, price-to-book of 1.29, price-to-sales of 2.33. Over the past 52 weeks the stock has ranged between $9.41 and $17.99, and currently trades 31.5% below its 52-week high.

On profitability, RBKB generates a return on equity (ROE) of 7.30%, return on capital employed of 9.49%, an operating margin of 17.11%, a net profit margin of 13.20%.

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