Rhinebeck Bancorp (RBKB)
Operates a Hudson Valley bank and an affiliated advisory business.
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Operates a Hudson Valley community-bank franchise through Rhinebeck Bank, funded by deposits and borrowings. Consumer and commercial lending sit alongside Rhinebeck Asset Management's investment advisory and financial-product sales.
Operates Rhinebeck Bank, a New York-chartered savings bank serving the Hudson Valley. The bank gathers public deposits and uses deposits and borrowings to fund consumer and commercial lending, including residential mortgages, construction loans, and commercial mortgages.
Rhinebeck Asset Management (RAM) adds investment advisory and financial-product sales to the banking franchise. Local decision-making is part of the bank's stated approach to its mortgage and commercial lending services.
Rhinebeck Bancorp became the Bank's holding company through reorganization and completed its move to a fully public stock holding company in July 2026. Its business remains tied to the deposit funding and lending operations of its wholly owned bank subsidiary.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $192.3M · Total debt $10.3M · Total assets $1.47B · Shareholders' equity $139.6M
- Revenue
- $3.4M
- Operating income
- −$2.9M
- Net income
- $2.6M
No dividends on record.
| Institutions | 20.00% | 3.12M shares | |
|---|---|---|---|
| 50 holders · as of Jun 30, 2026 | |||
| Insiders | 3.68% | 574.7K shares | |
| 17 holders · as of Aug 6, 2026 | |||
| Other | 76.32% | 11.91M shares | |
| remainder | |||
15.60M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
M3F, Inc.Institution | 4.94% | 552,076 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.22% | 471,868 | as of Jun 30, 2026 |
AllianceBernstein L.P.Institution | 3.33% | 372,139 | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 2.31% | 257,759 | as of Jun 30, 2026 |
Geode Capital Management, LLCInstitution | 0.95% | 106,617 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 6, 2026 | Michael Vitale | officer: EVP, Head of Comm Banking | +4,834 | $12.35 |
| Jul 22, 2026 | Matthew James Smith | director, officer: President & CEO | +12,425 | $12.00 |
| Jul 22, 2026 | Nancy Koskey Patzwahl | director | +25,000 | $11.94 |
| Jul 22, 2026 | Michael Vitale | officer: EVP, Head of Comm Banking | +5,000 | $11.94 |
| Jul 22, 2026 | Suzanne Loughlin | director | +12,500 | $11.93 |
- M&T Bank
Large New York bank spanning retail, commercial, and wealth services
- TrustCo
Direct deposit and loan overlap across four New York counties
- Orange County Bancorp
Hudson Valley commercial banking and wealth-management overlap
- Community Financial System
Upstate New York retail and commercial banking with Albany expansion
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Rhinebeck Bancorp | $13.02 | −0.61% | $204.9M | 14.6 | — | 3.4 | −81.4% |
| M&T Bank | $220.94 | −1.11% | $32.38B | 11.8 | 11.1 | 2.6 | +5.7% |
| TrustCo | $55.84 | −0.21% | $952.9M | 15.5 | — | 3.9 | +8.7% |
| Orange County Bancorp | $37.17 | −0.73% | $502.0M | 10.5 | 10.9 | 3.3 | −14.2% |
| Community Financial System | $61.16 | +0.03% | $3.21B | 14.2 | 12.6 | 3.1 | +9.6% |
| Median | 13.0 | 11.1 | 3.2 | +7.2% |