RHINEBECK BANCORP INC (RBKB)
Financials · Community Banking · NASDAQ
A $1.3 billion regional community bank focused on commercial real estate and small business lending in New York's Hudson Valley, operating 12 branches across four counties.
What RHINEBECK BANCORP INC does
Rhinebeck Bancorp, Inc. is a community bank holding company offering full-range banking and financial services to consumer and commercial customers across Dutchess, Orange, Ulster and Albany Counties in New York's Hudson Valley region. The company operates Rhinebeck Bank, a New York-chartered stock savings bank founded in 1860, with 12 retail branches and representative offices. Primary lending focuses on commercial real estate loans (including multi-family and construction), commercial business loans, indirect automobile loans, and one-to-four family residential loans, while deposit products include savings accounts, checking, money market accounts, and IRAs.
Themes: ["Community banking","Commercial real estate lending","Residential mortgage lending","Consumer deposits","Hudson Valley regional banking"]
Fundamentals
- Price$17.08 as of 2026-07-09 close
- Market cap$192M as of 2026-07-10
- 1-year return+44.6% as of 2026-07-09 close
- P/E19.21 as of 2026-07-10
- Net margin+9.7% as of 2026-07-10
- ROE+7.4% as of 2026-07-10
- Debt / equity0.04 as of 2026-07-10
- Revenue growth (YoY)+25.3% as of 2026-07-10
- Beta0.16 as of 2026-07-10
Key risks (from latest filing)
["Significant competition from larger financial institutions, credit unions, and fintech companies with greater resources operating in the same market area","Concentration risk in Hudson Valley region (Dutchess, Orange, Ulster, and Albany Counties), exposing the company to regional economic downturns and employment volatility","Interest rate risk and margin compression as demonstrated by interest expense on deposits increasing while net interest income remains relatively flat"]
Competitors & peers
- Other community and commercial banks in Hudson Valley region
- Credit unions in the market area
- Financial technology (fintech) companies
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.