RHINEBECK BANCORP INC (RBKB)
Financials · Regional Banking · NASDAQ
A community-focused Hudson Valley savings bank transitioning from a mutual holding company to a fully public structure.
What RHINEBECK BANCORP INC does
Rhinebeck Bancorp is a bank holding company that operates Rhinebeck Bank, a New York-chartered savings bank providing community banking services. The company serves consumer and commercial customers in the Hudson Valley region of New York through 12 branches and representative offices, offering deposit products, commercial real estate loans, commercial business loans, and indirect automobile loans. Additionally, it provides investment advisory services through its Rhinebeck Asset Management division.
Themes: Community banking, Commercial real estate lending, Hudson Valley economic development, Corporate reorganization / Conversion
Fundamentals
- Price$12.70 as of 2026-08-21 close
- Market cap$142M as of 2026-08-21
- 1-year return-2.0% 2025-08-21 close $12.96 → 2026-08-21 close $12.70
- P/E19.96 as of 2026-08-24
- Net margin+9.7% as of 2026-08-24
- ROE+7.4% as of 2026-08-24
- Debt / equity0.04 as of 2026-08-24
- Revenue growth (YoY)+25.3% as of 2026-08-24
- Beta0.17 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
How RBKB compares in its sector
- price-to-earnings ratiotop 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginbottom 25% 534 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How RHINEBECK BANCORP INC looks technically
RHINEBECK BANCORP INC (RBKB) is trading 6.9% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 7 trading days ago — a "death cross", a bearish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 4 trading days ago. It is 29.4% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 6.9% below its 200-day average, the long-term trend line — a long-term downtrend | -6.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $13.08 | $13.08 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $13.64 | $13.64 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 30 calendar days ago — the swings before that are what the structure reading is measured on | 30 sessions |
| Wave structure | its recent swings can be read as a completed five-part downward sequence — the pattern Elliott-wave chartists call an impulse — which on that reading would now be due a pullback rather than more of the same; the labelling fails if price closes below 11. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible five-wave downward sequence, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 7 trading days ago — a "death cross", a bearish long-term signal | 7 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend) | 22.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30) | 51.2 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($11.85 to $12.89) — its "stochastic" reading is 81 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 81.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 26 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $17.99 | $17.99 |
|---|---|---|
| From the 52-week high | it is 29.4% below its 52-week high (its highest price of the past year) | -29.4% |
| Above the 52-week low | it is 35.0% above its 52-week low (its lowest price of the past year) | +35.0% |
| Below the 52-week high | it is 29.4% below its highest point of the past year | 29.4% |
| Since a 20-day breakout | it made a new 20-day high about 4 trading days ago | 4 sessions |
| Since a 55-day breakout | it made a new 55-day low about 15 trading days ago | 15 sessions |
| All-time high | its highest closing price on record is $17.99 (set on 2026-04-27) | $17.99 |
| Given back of the 52-week move | over the past year its closes ranged ($9.62 to $17.59), and it has given back a bit over half of its rise from last year’s low — 61% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $12.41 to $12.66. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 61.4% |
| From the all-time high | it is 29.4% below its all-time high | -29.4% |
| Nearest price level | it is trading 0.6% above a support level at $12.63 — a price it turned at six times since 2025-06-12, most recently on 2026-07-21. Since 2024-08-21 it has 9 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.6% |
| All-time low | its lowest closing price on record is $5.90 (set on 2020-03-25) | $5.90 |
| Above the all-time low | it is 115.3% above its all-time low | +115.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 53rd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.2951 between its high and its low — about 2.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.2951 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $11.92 and $12.99 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $11.92 – $12.46 – $12.99 |
| Typical daily range (% of price) | its price moves about 2.3% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.3% |
| Stretch from the 200-day average | it is trading 3.2 daily ranges below its 200-day average price (6.9% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.2 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.57× |
|---|
Candlestick patterns
3
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a bullish engulfing | 3 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 3 sessions ago |
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 at essentially the same price it closed at the session before — no meaningful overnight gap | +0.1% |
|---|---|---|
| Open gap | it gapped 28.0% below the previous close 41 sessions ago and has not traded back through the level it left behind at 16.7 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -28.0% |
| Gap filled | a 12.9% gap down opened on 2026-07-22 has been "filled" 11 sessions ago — price traded back through the level the gap left behind, and it took 10 sessions to close | 11 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +0.4% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 1.8 percentage points (the stock gained 0.5% while the market gained 2.3%) | -1.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 22.5 percentage points (the stock lost 19.4% while the market gained 3.1%) | -22.5% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 27.1 percentage points (the stock lost 16.1% while the market gained 11.1%) | -27.1% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 22.5 percentage points (the stock lost 2.0% while the market gained 20.5%) | -22.5% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, near the top of its 14-day range (overbought), trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 6.0% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thick, spanning 10.7% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -6.0% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 3% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $13.07 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | -2.8% |
|---|
Price levels it has turned at before
RBKB last closed at $12.70 on 2026-08-21. Since 2024-08-21 it has turned at 9 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $12.63 | Support | 0.6% below the last close | turned there six times · 2025-06-12 to 2026-07-21 |
| $12.06 | Support | 5.0% below the last close | turned there six times · 2025-07-08 to 2026-07-14 |
| $11.64 | Support | 8.4% below the last close | turned there 7 times · 2025-05-01 to 2026-08-03 |
| $15.16 | Resistance | 19.4% above the last close | turned there three times · 2026-02-23 to 2026-05-26 |
| $15.77 | Resistance | 24.1% above the last close | turned there twice · 2026-04-08 to 2026-05-08 |
| $16.55 | Resistance | 30.3% above the last close | turned there three times · 2026-03-02 to 2026-06-02 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $11.00.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Recent death cross (50-day crossed below 200-day) · Pulled back from the 12-month high · lagging the market · Printed a doji candle · At the top of its 14-day range (stochastic above 80) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Exposure to commercial real estate and construction loan concentrations","Highly competitive landscape for deposits and loans from larger financial institutions and fintechs","Regulatory risks associated with the proposed second-step conversion from a mutual holding company structure"]
What changed in the latest 10-Q
AI-assisted comparison of RBKB's 10-Q filed 2026-05-14 against the prior one filed 2025-11-13.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing references March 31, 2026 and December 31, 2025 comparison periods; older filing referenced September 30, 2025 and December 31, 2024
- Newer filing references 'three months ended March 31, 2026 and 2025'; older filing referenced 'three and nine months ended September 30, 2025 and 2024'
- Newer filing states forward-looking statements 'are based on our current beliefs and expectations'; older filing stated 'are based on current beliefs and expectations of our management'
- Newer filing includes bullet point 'our ability to attract or retain key employees'; older filing stated 'our ability to retain key employees'
- Newer filing references 'Annual Report on Form 10-K as filed with the Securities and Exchange Commission on March 13, 2026'; older filing referenced 'Annual Report on Form 10-K' without specific date
- Newer filing's Critical Accounting Policies section begins discussing Allowance for Credit Losses in detail with explanation of methodology; older filing's version appears truncated and incomplete
- Removed:
- Older filing included 'the effect of our rating under the Community Reinvestment Act' as a forward-looking statement risk factor; newer filing does not include this bullet point
- Older filing included 'Recent Developments' section describing discontinuation of direct residential mortgage origination (Homestead Funding partnership) and Middletown branch closure; newer filing does not contain this section
- Older filing stated impact of 'a continued shutdown of the U.S. government'; newer filing states 'the impact of a shutdown of the U.S. government' (removed 'continued')
- Reworded:
- Older filing: 'current beliefs and expectations of our management'; Newer filing: 'our current beliefs and expectations' (shortened reference to management)
- Older filing: 'our ability to retain key employees'; Newer filing: 'our ability to attract or retain key employees' (added 'attract or')
- Older filing: 'a continued shutdown'; Newer filing: 'a shutdown' (removed 'continued')
- Older filing referenced 'Annual Report on Form 10-K and Quarterly Reports on Form 10-Q' for additional Risk Factors; Newer filing references only 'Annual Report on Form 10-K'
- Older filing's Critical Accounting Policies section references 'Note 1 to the consolidated financial statements'; Newer filing references 'Note 1 to the Consolidated Financial Statements in our Annual Report on Form 10-K as filed with the Securities and Exchange Commission on March 13, 2026'
- Notes:
- The older filing's MD&A section appears to be truncated at the Critical Accounting Policies section, ending mid-sentence
- Comparison reflects structural changes due to different fiscal periods covered (Q1 2026 vs. Q3 2025)
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
7 open-market purchases and 0 open-market sales by insiders in the last 90 days.
- Last 30 days1 buy ($59700) · 0 sells — 1 buying insider
- Last 90 days7 buys ($716108) · 0 sells — 4 buying insiders
- Last 180 days7 buys ($716108) · 1 sell ($66238) — 4 buying, 1 selling insiders
Cluster buying: 4 different insiders reported open-market purchases (SEC code P) of RBKB within a 30-day window between 2026-07-22 and 2026-08-06. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-06. As of 2026-08-25.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about RBKB's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding RBKB as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 224,782
- Reported value $3,466,139
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
RBKB had 195,498 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
RBKB had 1.75% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 1 days to cover at the same settlement.
- Reported short interest (shares) 195,498
- Short interest (% of shares outstanding) 1.75%
- Prior settlement (shares) 195,624
- Reported change -0.06%
- Days to cover (reported) 1
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- M&T Bank (MTB)
- KeyCorp (KEY)
- Community Bank System (CBU)
- TrustCo Bank (TRST)
- Arrow Financial (AROW)
- PCSB Financial (PCSB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does RHINEBECK BANCORP INC (RBKB) do?
Rhinebeck Bancorp is a bank holding company that operates Rhinebeck Bank, a New York-chartered savings bank providing community banking services. The company serves consumer and commercial customers in the Hudson Valley region of New York through 12 branches and representative offices, offering deposit products, commercial real estate loans, commercial business loans, and indirect automobile loans.
What sector is RHINEBECK BANCORP INC (RBKB) in?
RHINEBECK BANCORP INC (RBKB) is classified in the Financials sector. Its industry is Regional Banking. It trades on NASDAQ.
Who are RHINEBECK BANCORP INC's (RBKB) competitors?
Notable peers of RHINEBECK BANCORP INC (RBKB) include M&T Bank, KeyCorp, Community Bank System, TrustCo Bank and Arrow Financial. This peer set is informational only — not financial advice.
Is RHINEBECK BANCORP INC (RBKB) overbought or oversold right now?
RHINEBECK BANCORP INC (RBKB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 51, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on RBKB come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.