RHINEBECK BANCORP INC (RBKB)
Financials · Regional Banks · NASDAQ
A community-focused Hudson Valley bank that recently transitioned to a fully public stock holding company structure.
What RHINEBECK BANCORP INC does
Rhinebeck Bancorp, Inc. is the holding company for Rhinebeck Bank, a New York-chartered stock savings bank. The company provides a range of commercial and consumer banking services, including commercial real estate, business, and automobile loans, as well as various deposit products, through branches in the Hudson Valley region. It also offers financial services and investment advisory products through its Rhinebeck Asset Management division.
Recent developments
On July 21, 2026, the company completed its second-step conversion from a mutual holding company to a fully public stock holding company, raising $88.8 million in gross proceeds. The company's common stock commenced trading on the Nasdaq Capital Market under the ticker symbol "RBKB" on July 22, 2026.
From RHINEBECK BANCORP INC's filing of 2026-08-13.
Themes: community banking, commercial lending, financial services, Hudson Valley economic region, retail banking
Fundamentals
- Price$12.95 as of 2026-10-08 close
- Market cap$145M as of 2026-05-01 (share count; price 2026-10-08)
- 1-year return+11.1% 2025-10-08 close $11.66 → 2026-10-08 close $12.95
- P/E17.95 as of 2026-10-08
- ROE+7.3% FY2025, SEC XBRL
- Debt / equity0.04 as of 2026-09-02
- Revenue growth (YoY)+25.3% as of 2026-09-02
- Beta0.22 as of 2026-09-02
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
How RBKB compares in its sector
- price-to-earnings ratiotop 25% 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 430 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 7.3% 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 40 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 15, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive). It made a new 20-day high about 4 trading days ago. It is 28.0% below its highest point of the past year. Trading volume is unusually light — only about 45% of its 30-day average.
Trend
7
| Distance from the 200-day | it is trading 7.3% below its 200-day average, the long-term trend line — a long-term downtrend | -7.3% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $12.73 | $12.73 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $13.97 | $13.97 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 30 calendar days ago — the swings before that are what the structure reading is measured on | 30 sessions |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 40 trading days ago — a "death cross", a bearish long-term signal | 40 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 15, below the 25 that marks a real trend) | 15.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30) | 51.6 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($12.65 to $13.29) — its "stochastic" reading is 47 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 slipping within that range over the last few sessions. | 47.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive) | 5 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 28.0% below its 52-week high (its highest price of the past year) | -28.0% |
| Above the 52-week low | it is 37.6% above its 52-week low (its lowest price of the past year) | +37.6% |
| Below the 52-week high | it is 28.0% below its highest point of the past year | 28.0% |
| 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 high about 4 trading days ago | 4 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 — 58% 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. | 58.2% |
| From the all-time high | it is 28.0% below its all-time high | -28.0% |
| Nearest price level | it is trading 2.0% below a resistance level at $13.21 — a price it turned at twice since 2026-09-08, most recently on 2026-09-22. Since 2024-10-08 it has 9 such levels below the current price and 5 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +2.0% |
| 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 119.5% above its all-time low | +119.5% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 79% of it) | 21st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.2248 between its high and its low — about 1.7% 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 | $0.2248 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $12.62 and $13.23 — 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 | $12.62 – $12.93 – $13.23 |
| Typical daily range (% of price) | its price moves about 1.7% in a typical session — among the calmest in the catalog. 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 | 1.7% |
| Stretch from the 200-day average | it is trading 4.6 daily ranges below its 200-day average price (7.3% 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 | 4.6 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 45% of its 30-day average | 0.45× |
|---|
Candlestick patterns
1
| Since a doji | 2 sessions ago 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 | 2 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.4% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.4% |
|---|---|---|
| Gap filled | a 12.9% gap down opened on 2026-07-22 has been "filled" 44 sessions ago — price traded back through the level the gap left behind, and it took 10 sessions to close | 44 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 3 sessions in a row, a -2.12% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 3 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 2.0 percentage points (the stock lost 0.9% while the market gained 1.0%) | -2.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 1.9 percentage points (the stock gained 5.7% while the market gained 3.8%) | +1.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 33.4 percentage points (the stock lost 16.0% while the market gained 17.5%) | -33.4% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 3.9 percentage points (the stock gained 11.1% while the market gained 15.0%) | -3.9% |
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 | 3 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 — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is thick, spanning 14.4% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | 0.0% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is sitting right on the average price paid so far this year, so the typical buyer over that stretch is roughly break-even. That average is $13.01 — a volume-weighted average of daily closes over 192 sessions, not a true tick-by-tick VWAP. | -0.4% |
|---|
Price levels it has turned at before
RBKB last closed at $12.95 on 2026-10-08. Since 2024-10-08 it has turned at 9 prices below its last close and 5 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $13.21 | Resistance | 2.0% above the last close | turned there twice · 2026-09-08 to 2026-09-22 |
| $12.61 | Support | 2.6% below the last close | turned there 8 times · 2025-06-12 to 2026-09-15 |
| $12.06 | Support | 6.9% below the last close | turned there six times · 2025-07-08 to 2026-07-14 |
| $11.64 | Support | 10.1% below the last close | turned there 7 times · 2025-05-01 to 2026-08-03 |
| $15.16 | Resistance | 17.1% above the last close | turned there three times · 2026-02-23 to 2026-05-26 |
| $15.77 | Resistance | 21.7% above the last close | turned there twice · 2026-04-08 to 2026-05-08 |
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
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
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 · Pulled back from the 12-month high · MACD just crossed bullish (12/26/9) · trendless / choppy (low ADX) · lagging the market · Least volatile (2% or less typical daily range) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Intense competition from larger regional banks, credit unions, and fintech companies.","Concentration risk in commercial real estate lending and exposure to interest rate fluctuations.","Regulatory and operational risks associated with post-conversion integration and capital deployment."]
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)
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, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-047 buys ($716108) · 0 sells — 4 buying insiders
- Last 180 days · read to 2026-10-047 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. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
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.
Ask about RBKB's institutional holders → See what each manager we track holds →
Short interest (FINRA)
RBKB had 278,782 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
RBKB had 2.50% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.61 days to cover at the same settlement.
- Reported short interest (shares) 278,782
- Short interest (% of shares outstanding) 2.50%
- Prior settlement (shares) 303,186
- Reported change -8.05%
- Days to cover (reported) 2.61
Reported to FINRA as of the 2026-09-15 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
- KeyCorp (KEY)
- M&T Bank (MTB)
- Community Bank System (CBU)
- TrustCo Bank Corp (TRST)
- Berkshire Hills Bancorp (BHLB)
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, Inc. is the holding company for Rhinebeck Bank, a New York-chartered stock savings bank. The company provides a range of commercial and consumer banking services, including commercial real estate, business, and automobile loans, as well as various deposit products, through branches in the Hudson Valley region. It also offers financial services and investment advisory products through its Rhinebeck Asset Management division.
What sector is RHINEBECK BANCORP INC (RBKB) in?
RHINEBECK BANCORP INC (RBKB) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Who are RHINEBECK BANCORP INC's (RBKB) competitors?
Notable peers of RHINEBECK BANCORP INC (RBKB) include KeyCorp, M&T Bank, Community Bank System, TrustCo Bank Corp and Berkshire Hills Bancorp. 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 52, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on RBKB come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.