Rhinebeck Bancorp（RBKB）株式概要ラインベック・バンコープ社はラインベック銀行の銀行持株会社として、米国ニューヨーク州ハドソンバレー地域の消費者・商業顧客向けに銀行・金融商品・サービスを提供している。 詳細RBKB ファンダメンタル分析スノーフレーク・スコア評価0/6将来の成長0/6過去の実績2/6財務の健全性6/6配当金0/6報酬株価収益率（ 17.2 x） US市場（ 18.6 x）を下回っています。今年は黒字化を達成 リスク分析過去5年間で収益は年間28.5%減少しました。 すべてのリスクチェックを見るRBKB Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair ValueUS$Current PriceUS$15.7681.1% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-7m52m2016201920222025202620282031Revenue US$41.9mEarnings US$8.1mAdvancedSet Fair ValueView all narrativesRhinebeck Bancorp, Inc. 競合他社Tri City BanksharesSymbol: OTCPK:TRCYMarket cap: US$177.1mCF BanksharesSymbol: NasdaqCM:CFBKMarket cap: US$178.8mCSB BancorpSymbol: OTCPK:CSBBMarket cap: US$173.4mEagle Bancorp MontanaSymbol: NasdaqGM:EBMTMarket cap: US$172.9m価格と性能株価の高値、安値、推移の概要Rhinebeck Bancorp過去の株価現在の株価US$15.7652週高値US$17.9952週安値US$9.41ベータ0.171ヶ月の変化2.07%3ヶ月変化4.16%1年変化43.93%3年間の変化127.42%5年間の変化50.10%IPOからの変化34.13%最新ニュースReported Earnings • Apr 26First quarter 2026 earnings released: EPS: US$0.20 (vs US$0.21 in 1Q 2025)First quarter 2026 results: EPS: US$0.20 (down from US$0.21 in 1Q 2025). Revenue: US$12.6m (up 1.2% from 1Q 2025). Net income: US$2.22m (down 3.1% from 1Q 2025). Profit margin: 18% (in line with 1Q 2025). Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 30% per year, which means it is well ahead of earnings.お知らせ • Apr 16Rhinebeck Bancorp, Inc., Annual General Meeting, May 19, 2026Rhinebeck Bancorp, Inc., Annual General Meeting, May 19, 2026. Location: 2 jefferson plaza, new york, poughkeepsie United Statesお知らせ • Apr 14Rhinebeck Bancorp Inc Appoints Michael Vitale as Executive Vice President, Head of Commercial BankingRhinebeck Bancorp Inc. announced the appointment of Michael Vitale as Executive Vice President, Head of Commercial Banking. In this role, Vitale will lead the Bank's commercial banking division and work closely with lending teams across the organization to expand commercial loan growth while maintaining a strong focus on credit quality. He will also help drive the continued expansion of treasury management services and relationship-based banking solutions for business clients throughout the Hudson Valley and surrounding markets. Vitale brings nearly two decades of commercial banking experience to Rhinebeck Bank. Prior to joining the Bank, he served in senior leadership roles at Webster Bank, and previously held positions at Sterling National Bank, The Westchester Bank and JPMorgan Chase, building extensive experience in commercial lending, relationship management, and credit analysis. He also serves as a Non-Board Loan Committee Member of the Leviticus Fund, community development financial institution (CDFI) that provides financing and support for projects aimed at improving the lives of low-income and vulnerable individuals in the New York tri-state area. Vitale earned a Bachelor of Science in Economics and Mathematics from Fairfield University and was recognized by the Business Council of Westchester as a 2024 Rising Star, 40 Under 40 honoree.Reported Earnings • Mar 16Full year 2025 earnings released: EPS: US$0.93 (vs US$0.80 loss in FY 2024)Full year 2025 results: EPS: US$0.93 (up from US$0.80 loss in FY 2024). Revenue: US$51.7m (up 100% from FY 2024). Net income: US$10.0m (up US$18.7m from FY 2024). Profit margin: 19% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Net interest margin (NIM): 3.89% (up from 3.17% in FY 2024). Cost-to-income ratio: 73.1% (down from 82.3% in FY 2024). Non-performing loans: 0.39% (down from 0.42% in FY 2024). Over the last 3 years on average, earnings per share has fallen by 37% per year but the company’s share price has increased by 23% per year, which means it is well ahead of earnings.お知らせ • Mar 14Rhinebeck Bancorp, Inc. has filed a Follow-on Equity Offering in the amount of $89.125 million.Rhinebeck Bancorp, Inc. has filed a Follow-on Equity Offering in the amount of $89.125 million. Security Name: Common Stock Security Type: Common Stock Securities Offered: 8,912,500 Price\Range: $10 Discount Per Security: $0.35 Transaction Features: Bank Conversion; ESOP Related OfferingValuation Update With 7 Day Price Move • Feb 11Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$15.13, the stock trades at a trailing P/E ratio of 16.4x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 56% over the past three years.最新情報をもっと見るRecent updatesReported Earnings • Apr 26First quarter 2026 earnings released: EPS: US$0.20 (vs US$0.21 in 1Q 2025)First quarter 2026 results: EPS: US$0.20 (down from US$0.21 in 1Q 2025). Revenue: US$12.6m (up 1.2% from 1Q 2025). Net income: US$2.22m (down 3.1% from 1Q 2025). Profit margin: 18% (in line with 1Q 2025). Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 30% per year, which means it is well ahead of earnings.お知らせ • Apr 16Rhinebeck Bancorp, Inc., Annual General Meeting, May 19, 2026Rhinebeck Bancorp, Inc., Annual General Meeting, May 19, 2026. Location: 2 jefferson plaza, new york, poughkeepsie United Statesお知らせ • Apr 14Rhinebeck Bancorp Inc Appoints Michael Vitale as Executive Vice President, Head of Commercial BankingRhinebeck Bancorp Inc. announced the appointment of Michael Vitale as Executive Vice President, Head of Commercial Banking. In this role, Vitale will lead the Bank's commercial banking division and work closely with lending teams across the organization to expand commercial loan growth while maintaining a strong focus on credit quality. He will also help drive the continued expansion of treasury management services and relationship-based banking solutions for business clients throughout the Hudson Valley and surrounding markets. Vitale brings nearly two decades of commercial banking experience to Rhinebeck Bank. Prior to joining the Bank, he served in senior leadership roles at Webster Bank, and previously held positions at Sterling National Bank, The Westchester Bank and JPMorgan Chase, building extensive experience in commercial lending, relationship management, and credit analysis. He also serves as a Non-Board Loan Committee Member of the Leviticus Fund, community development financial institution (CDFI) that provides financing and support for projects aimed at improving the lives of low-income and vulnerable individuals in the New York tri-state area. Vitale earned a Bachelor of Science in Economics and Mathematics from Fairfield University and was recognized by the Business Council of Westchester as a 2024 Rising Star, 40 Under 40 honoree.Reported Earnings • Mar 16Full year 2025 earnings released: EPS: US$0.93 (vs US$0.80 loss in FY 2024)Full year 2025 results: EPS: US$0.93 (up from US$0.80 loss in FY 2024). Revenue: US$51.7m (up 100% from FY 2024). Net income: US$10.0m (up US$18.7m from FY 2024). Profit margin: 19% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Net interest margin (NIM): 3.89% (up from 3.17% in FY 2024). Cost-to-income ratio: 73.1% (down from 82.3% in FY 2024). Non-performing loans: 0.39% (down from 0.42% in FY 2024). Over the last 3 years on average, earnings per share has fallen by 37% per year but the company’s share price has increased by 23% per year, which means it is well ahead of earnings.お知らせ • Mar 14Rhinebeck Bancorp, Inc. has filed a Follow-on Equity Offering in the amount of $89.125 million.Rhinebeck Bancorp, Inc. has filed a Follow-on Equity Offering in the amount of $89.125 million. Security Name: Common Stock Security Type: Common Stock Securities Offered: 8,912,500 Price\Range: $10 Discount Per Security: $0.35 Transaction Features: Bank Conversion; ESOP Related OfferingValuation Update With 7 Day Price Move • Feb 11Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$15.13, the stock trades at a trailing P/E ratio of 16.4x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 56% over the past three years.Reported Earnings • Jan 30Full year 2025 earnings released: EPS: US$0.93 (vs US$0.80 loss in FY 2024)Full year 2025 results: EPS: US$0.93 (up from US$0.80 loss in FY 2024). Revenue: US$51.7m (up 100% from FY 2024). Net income: US$10.0m (up US$18.7m from FY 2024). Profit margin: 19% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 37% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.お知らせ • Jan 30Rhinebeck Bancorp, Inc. Reports Net Charge Offs for the Fourth Quarter Ended December 31, 2025Rhinebeck Bancorp, Inc. reported net charge offs for the fourth quarter ended December 31, 2025. Net charge-offs decreased by $600,000 from $971,000 for the fourth quarter of 2024 to $371,000 for the fourth quarter of 2025. The decrease was primarily due to a charge-off on a commercial loan of $524,000 in the fourth quarter of 2024.Recent Insider Transactions • Dec 07Insider recently sold US$56k worth of stockOn the 3rd of December, Philip Bronzi sold around 5k shares on-market at roughly US$11.08 per share. This transaction amounted to 27% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$101k more than they bought in the last 12 months.Reported Earnings • Oct 29Third quarter 2025 earnings released: EPS: US$0.25 (vs US$0.75 loss in 3Q 2024)Third quarter 2025 results: EPS: US$0.25 (up from US$0.75 loss in 3Q 2024). Net income: US$2.70m (up US$10.8m from 3Q 2024). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 75 percentage points per year, which is a significant difference in performance.お知らせ • Oct 29Rhinebeck Bancorp, Inc. Reports Net Charge Offs for the Third Quarter Ended September 30, 2025Rhinebeck Bancorp, Inc. reported net charge offs for the third quarter ended September 30, 2025. Net charge-offs increased by $619,000 from $344,000 for the third quarter of 2024 to $963,000 for the third quarter of 2025.お知らせ • Sep 17+ 1 more updateRhinebeck Bancorp Inc., Rhinebeck Bank, Rhinebeck Bancorp, MHC Announce CEO ChangesRhinebeck Bancorp Inc., the holding company of Rhinebeck Bank, has appointed Matthew J. Smith as Chief Executive Officer of Rhinebeck Bancorp, MHC, Rhinebeck Bancorp, Inc., and Rhinebeck Bank, effective October 20, 2025. Mr. Smith was also appointed as trustee of Rhinebeck Bancorp, MHC and director of Rhinebeck Bancorp, Inc. and Rhinebeck Bank, effective October 20, 2025. Mr. Smith replaces former Chief Executive Officer, Michael J. Quinn, who, in March 2025, announced that he would retire after 40 years of service. Concurrent with the effectiveness of Mr. Smith's appointment as Chief Executive Officer, Mr. Quinn will serve as Interim Executive Advisor through the end of the year to assist in the leadership transition. Mr. Smith, age 41, brings a wealth of experience in financial services, with a distinguished career marked by innovation, growth, and leadership. Most recently, Mr. Smith served as Senior Executive Vice President and Chief Operating Officer of Columbia Financial, Inc. and Columbia Bank in Fair Lawn, New Jersey. His extensive background also includes senior roles from February 2022 until November 2024, as Chief Digital Banking Officer and Head of Enterprise Product, Marketing, and Transformation at Webster Bank in Stamford, Connecticut, following Webster Bank's acquisition of Sterling National Bank, where Mr. Smith had served as Head of Digital Banking and Banking-as-a-Service from January 2020 to February 2022 and as Chief Product and Marketing Strategy Officer at Sterling National Bank in Montebello from October 2017 to January 2020, New York. Also notable, Mr. Smith held senior positions at Bridgewater Associates and GE Capital where he led strategic growth initiatives and multiple functions across finance, technology, and operations. Throughout his career, Mr. Smith has consistently led high-impact initiatives - from designing and launching new products and lines of business, enhancing digital banking platforms, and executing strategic transactions - driving meaningful results for customers, employees, and shareholders alike. His deep expertise in aligning technology, operations, and strategy uniquely positions him to lead Rhinebeck Bank into its next phase of growth and innovation. Mr. Smith has been featured on industry podcasts and has won awards for his work in growth and innovation. In his new role as President and Chief Executive Officer, Mr. Smith will be responsible for directing strategic operations. Mr. Smith holds a Master of Business Administration in Corporate Finance and Risk Management from Iona University in New Rochelle, New York and holds a Bachelor of Science in Finance from La Salle University.Recent Insider Transactions Derivative • Sep 14CEO, President & Director exercised options and sold US$358k worth of stockOn the 9th of September, Michael Quinn exercised 95.10k options at around US$6.57, then sold 56k of the shares acquired at an average of US$13.00 per share and kept the remainder. For the year to December 2018, Michael's total compensation was 82% salary and 18% non-salary. Since March 2025, Michael has owned 62.48k shares directly. Company insiders have collectively sold US$185k more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions • Sep 05Chief Credit Officer & Senior VP recently sold US$65k worth of stockOn the 29th of August, James McCardle sold around 5k shares on-market at roughly US$13.08 per share. This transaction amounted to 23% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$86k more than they bought in the last 12 months.New Risk • Aug 13New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 101% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Earnings have declined by 41% per year over the past 5 years. Shareholders have been substantially diluted in the past year (101% increase in shares outstanding).お知らせ • Jun 30+ 1 more updateRhinebeck Bancorp, Inc.(NasdaqCM:RBKB) dropped from Russell Microcap Growth IndexRhinebeck Bancorp, Inc.(NasdaqCM:RBKB) dropped from Russell Microcap Growth Indexお知らせ • Apr 16+ 1 more updateRhinebeck Bancorp, Inc., Annual General Meeting, May 21, 2025Rhinebeck Bancorp, Inc., Annual General Meeting, May 21, 2025. Location: 2 jefferson plaza, new york, poughkeepsie United Statesお知らせ • Mar 23Michael J. Quinn Intends to Retire from CEO of Rhinebeck Bancorp, Inc., Rhinebeck Bank and Rhinebeck Bancorp, MHCOn March 21, 2025, Michael J. Quinn advised Rhinebeck Bancorp, Inc. (the Company"), Rhinebeck Bank (the Bank"), and Rhinebeck Bancorp, MHC (the MHC"), that after 40 years of service to the Bank, he intended to retire from his positions as Chief Executive Officer of the Company, the Bank, and the MHC. Mr. Quinn will remain in his roles as a director, trustee, President and Chief Executive Officer until the earlier of the end of the year or until a successor is found to ensure an orderly transition. The Board of Directors of the Bank has formed a Search Committee in accordance with the Bank's succession plan to find a successor to Mr. Quinn. Michael J. Quinn will retire following an extraordinary 40-year career with the Bank, including 20 years as CEO. During his tenure, Mr. Quinn led the Bank through a period of transformational change expanding its footprint, increasing assets by 246% successfully transitioning to a publicly traded company, and deepening its community impact.お知らせ • Mar 22Michael J. Quinn Intends to Retire from Director and President of Rhinebeck Bancorp, Inc., Rhinebeck Bank and Trustee and president of Rhinebeck BancorpOn March 21, 2025, Michael J. Quinn advised Rhinebeck Bancorp, Inc. (the Company"), Rhinebeck Bank (the Bank"), and Rhinebeck Bancorp, MHC (the MHC"), that after 40 years of service to the Bank, he intended to retire: (1) as a Trustee of the MHC, and as a Director of the Company and the Bank; and (2) from his positions as Chief Executive Officer and President of the Company, the Bank, and the MHC. Mr. Quinn will remain in his roles as a director, trustee, President and Chief Executive Officer until the earlier of the end of the year or until a successor is found to ensure an orderly transition. The Board of Directors of the Bank has formed a Search Committee in accordance with the Bank's succession plan to find a successor to Mr. Quinn.お知らせ • Jan 31Rhinebeck Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2024Rhinebeck Bancorp, Inc. reported net charge-offs for the fourth quarter ended December 31, 2024. For the quarter, the company reported Net charge-offs increased $325,000 from $646,000 for the fourth quarter of 2023 to $971,000 for the fourth quarter of 2024. The increase was primarily due to a commercial loan charge-off of $524,000 in the fourth quarter of 2024.Buy Or Sell Opportunity • Oct 28Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 5.8% to US$8.99. The fair value is estimated to be US$7.42, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has declined by 12% over the last 3 years. Meanwhile, the company became loss making.お知らせ • Oct 25Rhinebeck Bancorp, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024Rhinebeck Bancorp, Inc. reported Net charge-offs for the third quarter ended September 30, 2024. Net charge-offs decreased $41,000 from $385,000 for the third quarter of 2023 to $344,000 for the third quarter of 2024. The decrease was primarily due to decreased net charge-offs in indirect automobile loans of $216,000 and recoveries in residential real estate and commercial loans in the third quarter of 2023.Reported Earnings • Jul 28Second quarter 2024 earnings released: EPS: US$0.091 (vs US$0.13 in 2Q 2023)Second quarter 2024 results: EPS: US$0.091 (down from US$0.13 in 2Q 2023). Revenue: US$10.2m (down 8.2% from 2Q 2023). Net income: US$975.0k (down 32% from 2Q 2023). Profit margin: 9.6% (down from 13% in 2Q 2023). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 36% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.お知らせ • Jun 26Rhinebeck Bancorp, Inc. Announces Chief Financial Officer ChangesRhinebeck Bancorp, Inc. announced the appointment of Kevin Nihillas Chief Financial Officer. Nihill replaced former Chief Financial Officer, Michael McDermott, who retired from the Bank after 23 years of service. Nihill brings a wealth of banking and corporate finance experience to his new role, having most recently served as Executive Vice President, Chief Financial Officer at St. Mary's Bank, a credit union in Manchester, NH. His career experience also includes service as Senior Vice President, Treasurer at Berkshire Bank, headquartered in Pittsfield, MA. Throughout his career, Nihill maintained an exemplary track record of leading cross-functional teams on a diverse array of projects. In his new role, he will be responsible for directing and controlling the Company's accounting and financial operations, including required financial, regulatory, and tax reporting duties and managing the Bank's budgeting process. A Chartered Financial Analyst (CFA), Nihill holds a Master of Business Administration in Finance degree from Rensselaer Polytechnic Institute in Troy, NY and is also a graduate of Cornell University. Nihill resides in Castleton-on-Hudson, NY with his wife and two children.Reported Earnings • Apr 27First quarter 2024 earnings released: EPS: US$0.10 (vs US$0.073 in 1Q 2023)First quarter 2024 results: EPS: US$0.10 (up from US$0.073 in 1Q 2023). Revenue: US$10.3m (flat on 1Q 2023). Net income: US$1.12m (up 41% from 1Q 2023). Profit margin: 11% (up from 7.8% in 1Q 2023). Over the last 3 years on average, earnings per share has fallen by 30% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.お知らせ • Apr 16Rhinebeck Bancorp, Inc., Annual General Meeting, May 21, 2024Rhinebeck Bancorp, Inc., Annual General Meeting, May 21, 2024, at 11:00 US Eastern Standard Time. Agenda: To consider the election of three directors to serve for a term of three years; to consider the ratification of the appointment of Wolf & Company, P.C. to serve as the independent registered public accounting firm for the fiscal year ending December 31, 2024; and to consider the transaction of any other business that may properly come before the meeting and any adjournment or postponement of the meeting.Reported Earnings • Apr 01Full year 2023 earnings released: EPS: US$0.41 (vs US$0.65 in FY 2022)Full year 2023 results: EPS: US$0.41 (down from US$0.65 in FY 2022). Revenue: US$41.7m (down 10.0% from FY 2022). Net income: US$4.40m (down 37% from FY 2022). Profit margin: 11% (down from 15% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.06% (down from 3.45% in FY 2022). Cost-to-income ratio: 83.3% (up from 78.4% in FY 2022). Non-performing loans: 0.41% (down from 0.45% in FY 2022). Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has only fallen by 8% per year, which means it has not declined as severely as earnings.Buy Or Sell Opportunity • Mar 15Now 20% undervaluedOver the last 90 days, the stock has risen 25% to US$8.30. The fair value is estimated to be US$10.41, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 20%.Buy Or Sell Opportunity • Feb 23Now 20% undervaluedOver the last 90 days, the stock has risen 32% to US$8.53. The fair value is estimated to be US$10.67, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 20%.Buy Or Sell Opportunity • Feb 14Now 20% undervaluedOver the last 90 days, the stock has risen 31% to US$8.50. The fair value is estimated to be US$10.66, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 20%.お知らせ • Feb 01Rhinebeck Bancorp, Inc. Announces Retirement of Michael J. McDermott as Chief Financial Officer, Effective May 31, 2024On January 31, 2024, Rhinebeck Bancorp, Inc. (the Company) announced the retirement of Michael J. McDermott as Chief Financial Officer of the Company. The retirement is effective May 31, 2024. Mr. McDermott has served as its chief financial officer since 2001.Reported Earnings • Jan 26Full year 2023 earnings released: EPS: US$0.41 (vs US$0.65 in FY 2022)Full year 2023 results: EPS: US$0.41 (down from US$0.65 in FY 2022). Revenue: US$42.0m (down 9.2% from FY 2022). Net income: US$4.40m (down 37% from FY 2022). Profit margin: 11% (down from 15% in FY 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has only fallen by 3% per year, which means it has not declined as severely as earnings.Buy Or Sell Opportunity • Jan 19Now 21% undervaluedOver the last 90 days, the stock has risen 34% to US$8.52. The fair value is estimated to be US$10.80, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.8% over the last 3 years. Earnings per share has declined by 9.3%.Buying Opportunity • Jan 16Now 20% undervaluedOver the last 90 days, the stock is up 33%. The fair value is estimated to be US$10.77, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.8% over the last 3 years. Earnings per share has declined by 9.3%.Valuation Update With 7 Day Price Move • Dec 22Investor sentiment improves as stock rises 20%After last week's 20% share price gain to US$7.98, the stock trades at a trailing P/E ratio of 20.1x. Average trailing P/E is 9x in the Banks industry in the US. Total loss to shareholders of 5.6% over the past three years.お知らせ • Oct 31Rhinebeck Bancorp, Inc. Announces Promotion of Mark Malone to Chief Retail OfficerRhinebeck Bancorp, Inc. announced promotion of Mark Malone to chief retail officer. He had joined the bank in 2012 and was most recently, a senior vice president of retail banking.Reported Earnings • Oct 29Third quarter 2023 earnings released: EPS: US$0.12 (vs US$0.19 in 3Q 2022)Third quarter 2023 results: EPS: US$0.12 (down from US$0.19 in 3Q 2022). Revenue: US$10.4m (down 13% from 3Q 2022). Net income: US$1.24m (down 41% from 3Q 2022). Profit margin: 12% (down from 18% in 3Q 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has remained flat, which means it is well ahead of earnings.Board Change • Sep 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 6 highly experienced directors. Independent Director Donald Beeler was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.New Risk • Aug 11New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.1% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Profit margins are more than 30% lower than last year (12% net profit margin). Shareholders have been diluted in the past year (2.1% increase in shares outstanding). Market cap is less than US$100m (US$76.7m market cap).Reported Earnings • Jul 29Second quarter 2023 earnings released: EPS: US$0.13 (vs US$0.19 in 2Q 2022)Second quarter 2023 results: EPS: US$0.13 (down from US$0.19 in 2Q 2022). Revenue: US$11.1m (down 7.6% from 2Q 2022). Net income: US$1.43m (down 30% from 2Q 2022). Profit margin: 13% (down from 17% in 2Q 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has remained flat whereas the company’s share price has increased by 2% per year.Buying Opportunity • Jul 26Now 22% undervalued after recent price dropOver the last 90 days, the stock is down 7.8%. The fair value is estimated to be US$8.63, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 9.0%.Buying Opportunity • Jun 09Now 24% undervalued after recent price dropOver the last 90 days, the stock is down 27%. The fair value is estimated to be US$8.74, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 9.0%.Reported Earnings • Mar 25Full year 2022 earnings released: EPS: US$0.65 (vs US$1.07 in FY 2021)Full year 2022 results: EPS: US$0.65 (down from US$1.07 in FY 2021). Revenue: US$46.3m (down 8.3% from FY 2021). Net income: US$7.00m (down 40% from FY 2021). Profit margin: 15% (down from 23% in FY 2021). Net interest margin (NIM): 3.45% (no change from 3.45% in FY 2021). Cost-to-income ratio: 78.4% (up from 75.8% in FY 2021). Non-performing loans: 0.45% (down from 0.78% in FY 2021). Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.お知らせ • Jan 28Rhinebeck Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2022Rhinebeck Bancorp, Inc. reported net charge-offs for the fourth quarter ended December 31, 2022. For the fourth quarter of 2022, the company reported net charge-off of $851,000 for the fourth quarter of 2022.Reported Earnings • Jan 28Full year 2022 earnings released: EPS: US$0.65 (vs US$1.07 in FY 2021)Full year 2022 results: EPS: US$0.65 (down from US$1.07 in FY 2021). Revenue: US$46.3m (down 8.3% from FY 2021). Net income: US$7.00m (down 40% from FY 2021). Profit margin: 15% (down from 23% in FY 2021). Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Reported Earnings • Oct 29Third quarter 2022 earnings released: EPS: US$0.19 (vs US$0.25 in 3Q 2021)Third quarter 2022 results: EPS: US$0.19 (down from US$0.25 in 3Q 2021). Revenue: US$11.9m (down 5.6% from 3Q 2021). Net income: US$2.11m (down 22% from 3Q 2021). Profit margin: 18% (down from 21% in 3Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.お知らせ • Oct 29Rhinebeck Bancorp, Inc. Announces Net Charge Off for the Third Quarter Ended September 30, 2022Rhinebeck Bancorp, Inc. announced net charge off for the third quarter ended September 30, 2022. For the quarter, the company announced that Net charge-offs increased $84,000 to $222,000 from $138,000 for the comparable quarter in 2021 primarily due to increased charge-offs in its indirect automobile portfolio as loan balances increased.Seeking Alpha • Sep 15Rhinebeck Bancorp announces share repurchase programRhinebeck Bancorp (NASDAQ:RBKB), the holding company for Rhinebeck Bank, has adopted a program to repurchase up to 247,506 shares of its common stock, which is ~5% of its outstanding common stock. Repurchases are expected to commence after the Company publicly releases its results of operations for the period ended Sept. 30, 2022 and has no expiration date. Shares may be repurchased in open market or private transactions or pursuant to any trading plan. This is the Company's first stock repurchase program since completing its mutual holding company reorganization and related stock offering in January 2019.Reported Earnings • Jul 29Second quarter 2022 earnings released: EPS: US$0.19 (vs US$0.24 in 2Q 2021)Second quarter 2022 results: EPS: US$0.19 (down from US$0.24 in 2Q 2021). Revenue: US$12.0m (flat on 2Q 2021). Net income: US$2.03m (down 21% from 2Q 2021). Profit margin: 17% (down from 21% in 2Q 2021). Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Seeking Alpha • Jul 28Rhinebeck Bancorp GAAP EPS of $0.18, revenue of $12.02MRhinebeck Bancorp press release (NASDAQ:RBKB): Q2 GAAP EPS of $0.18. Revenue of $12.02M (+9.4% Y/Y).Reported Earnings • May 01First quarter 2022 earnings released: EPS: US$0.19 (vs US$0.31 in 1Q 2021)First quarter 2022 results: EPS: US$0.19 (down from US$0.31 in 1Q 2021). Revenue: US$11.6m (down 4.0% from 1Q 2021). Net income: US$2.05m (down 38% from 1Q 2021). Profit margin: 18% (down from 28% in 1Q 2021). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 30% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Board Change • Apr 27Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 6 highly experienced directors. Independent Director Steven Howell was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Apr 20Rhinebeck Bancorp, Inc., Annual General Meeting, May 24, 2022Rhinebeck Bancorp, Inc., Annual General Meeting, May 24, 2022, at 11:00 US Eastern Standard Time. Agenda: To consider the election of three directors to serve for a term of three years; to consider the ratification of the appointment of wolf & company, p.c. to serve as the independent registered public accounting firm for the fiscal year ending december 31, 2022; and to consider the transaction of any other business that may properly come before the meeting and any adjournment or postponement of the meeting. (note: the board of directors is not aware of any other business to come before the meeting.Reported Earnings • Jan 30Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$1.07 (up from US$0.55 in FY 2020). Revenue: US$50.5m (up 35% from FY 2020). Net income: US$11.6m (up 95% from FY 2020). Profit margin: 23% (up from 16% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Reported Earnings • Oct 30Third quarter 2021 earnings released: EPS US$0.25 (vs US$0.11 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$12.7m (up 43% from 3Q 2020). Net income: US$2.69m (up 134% from 3Q 2020). Profit margin: 21% (up from 13% in 3Q 2020). The increase in margin was driven by higher revenue.Reported Earnings • Jul 31Second quarter 2021 earnings released: EPS US$0.24 (vs US$0.13 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$12.1m (up 43% from 2Q 2020). Net income: US$2.57m (up 90% from 2Q 2020). Profit margin: 21% (up from 16% in 2Q 2020). The increase in margin was driven by higher revenue.分析記事 • May 06With EPS Growth And More, Rhinebeck Bancorp (NASDAQ:RBKB) Is InterestingLike a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...Reported Earnings • May 05First quarter 2021 earnings released: EPS US$0.31 (vs US$0.10 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$12.1m (up 39% from 1Q 2020). Net income: US$3.32m (up 209% from 1Q 2020). Profit margin: 28% (up from 12% in 1Q 2020). The increase in margin was driven by higher revenue.お知らせ • Apr 30Rhinebeck Bancorp, Inc. Announces Net Charge-Offs for the Quarter Ended March 31, 2021Rhinebeck Bancorp, Inc. announced net charge-offs for the quarter ended March 31, 2021. Net charge-offs for the quarter ended March 31, 2021 totaled $303,000 compared to $535,000 for the respective period in 2020, as charge-offs fell and recoveries improved period over period.Reported Earnings • Mar 28Full year 2020 earnings released: EPS US$0.55 (vs US$0.56 in FY 2019)The company reported a mediocre full year result with weaker profit margins, although earnings were flat and revenues improved. Full year 2020 results: Revenue: US$37.5m (up 6.0% from FY 2019). Net income: US$5.92m (flat on FY 2019). Profit margin: 16% (down from 17% in FY 2019). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.56% (down from 3.76% in FY 2019). Cost-to-income ratio: 67.3% (down from 73.7% in FY 2019). Non-performing loans: 0.72% (down from 1.13% in FY 2019).Is New 90 Day High Low • Feb 25New 90-day high: US$9.93The company is up 21% from its price of US$8.20 on 25 November 2020. The American market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 7.0% over the same period.分析記事 • Feb 18Have Insiders Been Buying Rhinebeck Bancorp, Inc. (NASDAQ:RBKB) Shares?We often see insiders buying up shares in companies that perform well over the long term. The flip side of that is that...Is New 90 Day High Low • Feb 09New 90-day high: US$9.37The company is up 28% from its price of US$7.33 on 10 November 2020. The American market is up 16% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 5.0% over the same period.Reported Earnings • Feb 05Full year 2020 earnings released: EPS US$0.55 (vs US$0.56 in FY 2019)The company reported a mediocre full year result with weaker profit margins, although earnings were flat and revenues improved. Full year 2020 results: Revenue: US$37.5m (up 6.0% from FY 2019). Net income: US$5.92m (flat on FY 2019). Profit margin: 16% (down from 17% in FY 2019). The decrease in margin was driven by higher expenses.分析記事 • Jan 14Could The Rhinebeck Bancorp, Inc. (NASDAQ:RBKB) Ownership Structure Tell Us Something Useful?A look at the shareholders of Rhinebeck Bancorp, Inc. ( NASDAQ:RBKB ) can tell us which group is most powerful...Is New 90 Day High Low • Jan 13New 90-day high: US$9.32The company is up 32% from its price of US$7.06 on 14 October 2020. The American market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 3.0% over the same period.Valuation Update With 7 Day Price Move • Dec 01Market bids up stock over the past weekAfter last week's 17% share price gain to US$9.02, the stock is trading at a trailing P/E ratio of 18.2x, up from the previous P/E ratio of 15.6x. This compares to an average P/E of 12x in the Mortgage industry in the US. Total return to shareholders over the past year is a loss of 17%.分析記事 • Nov 25Would Shareholders Who Purchased Rhinebeck Bancorp's (NASDAQ:RBKB) Stock Year Be Happy With The Share price Today?While it may not be enough for some shareholders, we think it is good to see the Rhinebeck Bancorp, Inc. (NASDAQ:RBKB...Reported Earnings • Nov 18Third quarter 2020 earnings released: EPS US$0.11The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: US$8.87m (down 6.3% from 3Q 2019). Net income: US$1.15m (down 45% from 3Q 2019). Profit margin: 13% (down from 22% in 3Q 2019). The decrease in margin was primarily driven by lower revenue.Is New 90 Day High Low • Nov 10New 90-day high: US$7.20The company is up 6.0% from its price of US$6.79 on 12 August 2020. The American market is up 7.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Mortgage industry, which is down 2.0% over the same period.Reported Earnings • Oct 31Third quarter earnings releasedOver the last 12 months the company has reported total profits of US$5.31m, down 2.1% from the prior year. Total revenue was US$35.3m over the last 12 months, up 2.0% from the prior year.Is New 90 Day High Low • Sep 24New 90-day low: US$6.36The company is down 5.0% from its price of US$6.70 on 26 June 2020. The American market is up 8.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Mortgage industry, which is down 25% over the same period.株主還元RBKBUS BanksUS 市場7D-2.8%1.9%-0.8%1Y43.9%21.3%27.1%株主還元を見る業界別リターン: RBKB過去 1 年間で21.3 % の収益を上げたUS Banks業界を上回りました。リターン対市場: RBKB過去 1 年間で27.1 % の収益を上げたUS市場を上回りました。価格変動Is RBKB's price volatile compared to industry and market?RBKB volatilityRBKB Average Weekly Movement3.4%Banks Industry Average Movement3.5%Market Average Movement7.2%10% most volatile stocks in US Market16.3%10% least volatile stocks in US Market3.2%安定した株価: RBKB 、 US市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: RBKBの 週次ボラティリティ ( 3% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト1860162Matthew Smithwww.rhinebeckbank.comラインベック・バンコープ・インクはラインベック・バンクの銀行持株会社として、米国ニューヨーク州ハドソンバレー地域の消費者および商業顧客に銀行業務および金融商品・サービスを提供している。無利息要求払い、有利子要求払い、マネーマーケット、商業・個人当座預金、個人退職金、貯蓄口座、譲渡性預金などの預金を提供している。また、直接・間接自動車ローン、非住宅用商業不動産ローン、ターム・ローン、リボルビング・クレジット・ライン、クレジット・ラインなどの商業用ビジネス・ローン、住宅ローン・建設ローン、1～4世帯住宅用不動産ローン、集合住宅用不動産ローン、商業用建設ローン、土地開発ローン、ホーム・エクイティ・ローンなどのその他消費者ローン、個人向けローンも提供している。さらに、リテール・ブローカレッジ、リタイヤメント・プランニング、ファイナンシャル・プランニングおよびアドバイザリー、生命保険および投資商品、ATM、オンライン・バンキングおよび請求書支払い、モバイル・バンキング（モバイル・デポジットおよび請求書支払い、自動手形交換所の開設、リモート・デポジット・キャプチャー、テレフォン・バンキング）、デビットカードおよびクレジットカード、電信送金およびマーチャント・サービス、ウェルス・マネジメント・サービスも提供している。さらに、投資信託や年金への投資も行っている。同社は1860年に設立され、ニューヨーク州ポキプシーに本拠を置く。ラインベック・バンコープはラインベック・バンコープMHCの子会社。もっと見るRhinebeck Bancorp, Inc. 基礎のまとめRhinebeck Bancorp の収益と売上を時価総額と比較するとどうか。RBKB 基礎統計学時価総額US$171.28m収益（TTM）US$9.97m売上高(TTM)US$51.86m17.2xPER（株価収益率1.2xPBR（株価純資産倍率RBKB は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計RBKB 損益計算書（TTM）収益US$51.86m売上原価US$0売上総利益US$51.86mその他の費用US$41.89m収益US$9.97m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）0.92グロス・マージン100.00%純利益率19.23%有利子負債／自己資本比率11.9%RBKB の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/21 07:46終値2026/05/21 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Rhinebeck Bancorp, Inc. 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
Reported Earnings • Apr 26First quarter 2026 earnings released: EPS: US$0.20 (vs US$0.21 in 1Q 2025)First quarter 2026 results: EPS: US$0.20 (down from US$0.21 in 1Q 2025). Revenue: US$12.6m (up 1.2% from 1Q 2025). Net income: US$2.22m (down 3.1% from 1Q 2025). Profit margin: 18% (in line with 1Q 2025). Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 30% per year, which means it is well ahead of earnings.
お知らせ • Apr 16Rhinebeck Bancorp, Inc., Annual General Meeting, May 19, 2026Rhinebeck Bancorp, Inc., Annual General Meeting, May 19, 2026. Location: 2 jefferson plaza, new york, poughkeepsie United States
お知らせ • Apr 14Rhinebeck Bancorp Inc Appoints Michael Vitale as Executive Vice President, Head of Commercial BankingRhinebeck Bancorp Inc. announced the appointment of Michael Vitale as Executive Vice President, Head of Commercial Banking. In this role, Vitale will lead the Bank's commercial banking division and work closely with lending teams across the organization to expand commercial loan growth while maintaining a strong focus on credit quality. He will also help drive the continued expansion of treasury management services and relationship-based banking solutions for business clients throughout the Hudson Valley and surrounding markets. Vitale brings nearly two decades of commercial banking experience to Rhinebeck Bank. Prior to joining the Bank, he served in senior leadership roles at Webster Bank, and previously held positions at Sterling National Bank, The Westchester Bank and JPMorgan Chase, building extensive experience in commercial lending, relationship management, and credit analysis. He also serves as a Non-Board Loan Committee Member of the Leviticus Fund, community development financial institution (CDFI) that provides financing and support for projects aimed at improving the lives of low-income and vulnerable individuals in the New York tri-state area. Vitale earned a Bachelor of Science in Economics and Mathematics from Fairfield University and was recognized by the Business Council of Westchester as a 2024 Rising Star, 40 Under 40 honoree.
Reported Earnings • Mar 16Full year 2025 earnings released: EPS: US$0.93 (vs US$0.80 loss in FY 2024)Full year 2025 results: EPS: US$0.93 (up from US$0.80 loss in FY 2024). Revenue: US$51.7m (up 100% from FY 2024). Net income: US$10.0m (up US$18.7m from FY 2024). Profit margin: 19% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Net interest margin (NIM): 3.89% (up from 3.17% in FY 2024). Cost-to-income ratio: 73.1% (down from 82.3% in FY 2024). Non-performing loans: 0.39% (down from 0.42% in FY 2024). Over the last 3 years on average, earnings per share has fallen by 37% per year but the company’s share price has increased by 23% per year, which means it is well ahead of earnings.
お知らせ • Mar 14Rhinebeck Bancorp, Inc. has filed a Follow-on Equity Offering in the amount of $89.125 million.Rhinebeck Bancorp, Inc. has filed a Follow-on Equity Offering in the amount of $89.125 million. Security Name: Common Stock Security Type: Common Stock Securities Offered: 8,912,500 Price\Range: $10 Discount Per Security: $0.35 Transaction Features: Bank Conversion; ESOP Related Offering
Valuation Update With 7 Day Price Move • Feb 11Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$15.13, the stock trades at a trailing P/E ratio of 16.4x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 56% over the past three years.
Reported Earnings • Apr 26First quarter 2026 earnings released: EPS: US$0.20 (vs US$0.21 in 1Q 2025)First quarter 2026 results: EPS: US$0.20 (down from US$0.21 in 1Q 2025). Revenue: US$12.6m (up 1.2% from 1Q 2025). Net income: US$2.22m (down 3.1% from 1Q 2025). Profit margin: 18% (in line with 1Q 2025). Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 30% per year, which means it is well ahead of earnings.
お知らせ • Apr 16Rhinebeck Bancorp, Inc., Annual General Meeting, May 19, 2026Rhinebeck Bancorp, Inc., Annual General Meeting, May 19, 2026. Location: 2 jefferson plaza, new york, poughkeepsie United States
お知らせ • Apr 14Rhinebeck Bancorp Inc Appoints Michael Vitale as Executive Vice President, Head of Commercial BankingRhinebeck Bancorp Inc. announced the appointment of Michael Vitale as Executive Vice President, Head of Commercial Banking. In this role, Vitale will lead the Bank's commercial banking division and work closely with lending teams across the organization to expand commercial loan growth while maintaining a strong focus on credit quality. He will also help drive the continued expansion of treasury management services and relationship-based banking solutions for business clients throughout the Hudson Valley and surrounding markets. Vitale brings nearly two decades of commercial banking experience to Rhinebeck Bank. Prior to joining the Bank, he served in senior leadership roles at Webster Bank, and previously held positions at Sterling National Bank, The Westchester Bank and JPMorgan Chase, building extensive experience in commercial lending, relationship management, and credit analysis. He also serves as a Non-Board Loan Committee Member of the Leviticus Fund, community development financial institution (CDFI) that provides financing and support for projects aimed at improving the lives of low-income and vulnerable individuals in the New York tri-state area. Vitale earned a Bachelor of Science in Economics and Mathematics from Fairfield University and was recognized by the Business Council of Westchester as a 2024 Rising Star, 40 Under 40 honoree.
Reported Earnings • Mar 16Full year 2025 earnings released: EPS: US$0.93 (vs US$0.80 loss in FY 2024)Full year 2025 results: EPS: US$0.93 (up from US$0.80 loss in FY 2024). Revenue: US$51.7m (up 100% from FY 2024). Net income: US$10.0m (up US$18.7m from FY 2024). Profit margin: 19% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Net interest margin (NIM): 3.89% (up from 3.17% in FY 2024). Cost-to-income ratio: 73.1% (down from 82.3% in FY 2024). Non-performing loans: 0.39% (down from 0.42% in FY 2024). Over the last 3 years on average, earnings per share has fallen by 37% per year but the company’s share price has increased by 23% per year, which means it is well ahead of earnings.
お知らせ • Mar 14Rhinebeck Bancorp, Inc. has filed a Follow-on Equity Offering in the amount of $89.125 million.Rhinebeck Bancorp, Inc. has filed a Follow-on Equity Offering in the amount of $89.125 million. Security Name: Common Stock Security Type: Common Stock Securities Offered: 8,912,500 Price\Range: $10 Discount Per Security: $0.35 Transaction Features: Bank Conversion; ESOP Related Offering
Valuation Update With 7 Day Price Move • Feb 11Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$15.13, the stock trades at a trailing P/E ratio of 16.4x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 56% over the past three years.
Reported Earnings • Jan 30Full year 2025 earnings released: EPS: US$0.93 (vs US$0.80 loss in FY 2024)Full year 2025 results: EPS: US$0.93 (up from US$0.80 loss in FY 2024). Revenue: US$51.7m (up 100% from FY 2024). Net income: US$10.0m (up US$18.7m from FY 2024). Profit margin: 19% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 37% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.
お知らせ • Jan 30Rhinebeck Bancorp, Inc. Reports Net Charge Offs for the Fourth Quarter Ended December 31, 2025Rhinebeck Bancorp, Inc. reported net charge offs for the fourth quarter ended December 31, 2025. Net charge-offs decreased by $600,000 from $971,000 for the fourth quarter of 2024 to $371,000 for the fourth quarter of 2025. The decrease was primarily due to a charge-off on a commercial loan of $524,000 in the fourth quarter of 2024.
Recent Insider Transactions • Dec 07Insider recently sold US$56k worth of stockOn the 3rd of December, Philip Bronzi sold around 5k shares on-market at roughly US$11.08 per share. This transaction amounted to 27% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$101k more than they bought in the last 12 months.
Reported Earnings • Oct 29Third quarter 2025 earnings released: EPS: US$0.25 (vs US$0.75 loss in 3Q 2024)Third quarter 2025 results: EPS: US$0.25 (up from US$0.75 loss in 3Q 2024). Net income: US$2.70m (up US$10.8m from 3Q 2024). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 75 percentage points per year, which is a significant difference in performance.
お知らせ • Oct 29Rhinebeck Bancorp, Inc. Reports Net Charge Offs for the Third Quarter Ended September 30, 2025Rhinebeck Bancorp, Inc. reported net charge offs for the third quarter ended September 30, 2025. Net charge-offs increased by $619,000 from $344,000 for the third quarter of 2024 to $963,000 for the third quarter of 2025.
お知らせ • Sep 17+ 1 more updateRhinebeck Bancorp Inc., Rhinebeck Bank, Rhinebeck Bancorp, MHC Announce CEO ChangesRhinebeck Bancorp Inc., the holding company of Rhinebeck Bank, has appointed Matthew J. Smith as Chief Executive Officer of Rhinebeck Bancorp, MHC, Rhinebeck Bancorp, Inc., and Rhinebeck Bank, effective October 20, 2025. Mr. Smith was also appointed as trustee of Rhinebeck Bancorp, MHC and director of Rhinebeck Bancorp, Inc. and Rhinebeck Bank, effective October 20, 2025. Mr. Smith replaces former Chief Executive Officer, Michael J. Quinn, who, in March 2025, announced that he would retire after 40 years of service. Concurrent with the effectiveness of Mr. Smith's appointment as Chief Executive Officer, Mr. Quinn will serve as Interim Executive Advisor through the end of the year to assist in the leadership transition. Mr. Smith, age 41, brings a wealth of experience in financial services, with a distinguished career marked by innovation, growth, and leadership. Most recently, Mr. Smith served as Senior Executive Vice President and Chief Operating Officer of Columbia Financial, Inc. and Columbia Bank in Fair Lawn, New Jersey. His extensive background also includes senior roles from February 2022 until November 2024, as Chief Digital Banking Officer and Head of Enterprise Product, Marketing, and Transformation at Webster Bank in Stamford, Connecticut, following Webster Bank's acquisition of Sterling National Bank, where Mr. Smith had served as Head of Digital Banking and Banking-as-a-Service from January 2020 to February 2022 and as Chief Product and Marketing Strategy Officer at Sterling National Bank in Montebello from October 2017 to January 2020, New York. Also notable, Mr. Smith held senior positions at Bridgewater Associates and GE Capital where he led strategic growth initiatives and multiple functions across finance, technology, and operations. Throughout his career, Mr. Smith has consistently led high-impact initiatives - from designing and launching new products and lines of business, enhancing digital banking platforms, and executing strategic transactions - driving meaningful results for customers, employees, and shareholders alike. His deep expertise in aligning technology, operations, and strategy uniquely positions him to lead Rhinebeck Bank into its next phase of growth and innovation. Mr. Smith has been featured on industry podcasts and has won awards for his work in growth and innovation. In his new role as President and Chief Executive Officer, Mr. Smith will be responsible for directing strategic operations. Mr. Smith holds a Master of Business Administration in Corporate Finance and Risk Management from Iona University in New Rochelle, New York and holds a Bachelor of Science in Finance from La Salle University.
Recent Insider Transactions Derivative • Sep 14CEO, President & Director exercised options and sold US$358k worth of stockOn the 9th of September, Michael Quinn exercised 95.10k options at around US$6.57, then sold 56k of the shares acquired at an average of US$13.00 per share and kept the remainder. For the year to December 2018, Michael's total compensation was 82% salary and 18% non-salary. Since March 2025, Michael has owned 62.48k shares directly. Company insiders have collectively sold US$185k more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions • Sep 05Chief Credit Officer & Senior VP recently sold US$65k worth of stockOn the 29th of August, James McCardle sold around 5k shares on-market at roughly US$13.08 per share. This transaction amounted to 23% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$86k more than they bought in the last 12 months.
New Risk • Aug 13New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 101% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Earnings have declined by 41% per year over the past 5 years. Shareholders have been substantially diluted in the past year (101% increase in shares outstanding).
お知らせ • Jun 30+ 1 more updateRhinebeck Bancorp, Inc.(NasdaqCM:RBKB) dropped from Russell Microcap Growth IndexRhinebeck Bancorp, Inc.(NasdaqCM:RBKB) dropped from Russell Microcap Growth Index
お知らせ • Apr 16+ 1 more updateRhinebeck Bancorp, Inc., Annual General Meeting, May 21, 2025Rhinebeck Bancorp, Inc., Annual General Meeting, May 21, 2025. Location: 2 jefferson plaza, new york, poughkeepsie United States
お知らせ • Mar 23Michael J. Quinn Intends to Retire from CEO of Rhinebeck Bancorp, Inc., Rhinebeck Bank and Rhinebeck Bancorp, MHCOn March 21, 2025, Michael J. Quinn advised Rhinebeck Bancorp, Inc. (the Company"), Rhinebeck Bank (the Bank"), and Rhinebeck Bancorp, MHC (the MHC"), that after 40 years of service to the Bank, he intended to retire from his positions as Chief Executive Officer of the Company, the Bank, and the MHC. Mr. Quinn will remain in his roles as a director, trustee, President and Chief Executive Officer until the earlier of the end of the year or until a successor is found to ensure an orderly transition. The Board of Directors of the Bank has formed a Search Committee in accordance with the Bank's succession plan to find a successor to Mr. Quinn. Michael J. Quinn will retire following an extraordinary 40-year career with the Bank, including 20 years as CEO. During his tenure, Mr. Quinn led the Bank through a period of transformational change expanding its footprint, increasing assets by 246% successfully transitioning to a publicly traded company, and deepening its community impact.
お知らせ • Mar 22Michael J. Quinn Intends to Retire from Director and President of Rhinebeck Bancorp, Inc., Rhinebeck Bank and Trustee and president of Rhinebeck BancorpOn March 21, 2025, Michael J. Quinn advised Rhinebeck Bancorp, Inc. (the Company"), Rhinebeck Bank (the Bank"), and Rhinebeck Bancorp, MHC (the MHC"), that after 40 years of service to the Bank, he intended to retire: (1) as a Trustee of the MHC, and as a Director of the Company and the Bank; and (2) from his positions as Chief Executive Officer and President of the Company, the Bank, and the MHC. Mr. Quinn will remain in his roles as a director, trustee, President and Chief Executive Officer until the earlier of the end of the year or until a successor is found to ensure an orderly transition. The Board of Directors of the Bank has formed a Search Committee in accordance with the Bank's succession plan to find a successor to Mr. Quinn.
お知らせ • Jan 31Rhinebeck Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2024Rhinebeck Bancorp, Inc. reported net charge-offs for the fourth quarter ended December 31, 2024. For the quarter, the company reported Net charge-offs increased $325,000 from $646,000 for the fourth quarter of 2023 to $971,000 for the fourth quarter of 2024. The increase was primarily due to a commercial loan charge-off of $524,000 in the fourth quarter of 2024.
Buy Or Sell Opportunity • Oct 28Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 5.8% to US$8.99. The fair value is estimated to be US$7.42, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has declined by 12% over the last 3 years. Meanwhile, the company became loss making.
お知らせ • Oct 25Rhinebeck Bancorp, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024Rhinebeck Bancorp, Inc. reported Net charge-offs for the third quarter ended September 30, 2024. Net charge-offs decreased $41,000 from $385,000 for the third quarter of 2023 to $344,000 for the third quarter of 2024. The decrease was primarily due to decreased net charge-offs in indirect automobile loans of $216,000 and recoveries in residential real estate and commercial loans in the third quarter of 2023.
Reported Earnings • Jul 28Second quarter 2024 earnings released: EPS: US$0.091 (vs US$0.13 in 2Q 2023)Second quarter 2024 results: EPS: US$0.091 (down from US$0.13 in 2Q 2023). Revenue: US$10.2m (down 8.2% from 2Q 2023). Net income: US$975.0k (down 32% from 2Q 2023). Profit margin: 9.6% (down from 13% in 2Q 2023). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 36% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.
お知らせ • Jun 26Rhinebeck Bancorp, Inc. Announces Chief Financial Officer ChangesRhinebeck Bancorp, Inc. announced the appointment of Kevin Nihillas Chief Financial Officer. Nihill replaced former Chief Financial Officer, Michael McDermott, who retired from the Bank after 23 years of service. Nihill brings a wealth of banking and corporate finance experience to his new role, having most recently served as Executive Vice President, Chief Financial Officer at St. Mary's Bank, a credit union in Manchester, NH. His career experience also includes service as Senior Vice President, Treasurer at Berkshire Bank, headquartered in Pittsfield, MA. Throughout his career, Nihill maintained an exemplary track record of leading cross-functional teams on a diverse array of projects. In his new role, he will be responsible for directing and controlling the Company's accounting and financial operations, including required financial, regulatory, and tax reporting duties and managing the Bank's budgeting process. A Chartered Financial Analyst (CFA), Nihill holds a Master of Business Administration in Finance degree from Rensselaer Polytechnic Institute in Troy, NY and is also a graduate of Cornell University. Nihill resides in Castleton-on-Hudson, NY with his wife and two children.
Reported Earnings • Apr 27First quarter 2024 earnings released: EPS: US$0.10 (vs US$0.073 in 1Q 2023)First quarter 2024 results: EPS: US$0.10 (up from US$0.073 in 1Q 2023). Revenue: US$10.3m (flat on 1Q 2023). Net income: US$1.12m (up 41% from 1Q 2023). Profit margin: 11% (up from 7.8% in 1Q 2023). Over the last 3 years on average, earnings per share has fallen by 30% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.
お知らせ • Apr 16Rhinebeck Bancorp, Inc., Annual General Meeting, May 21, 2024Rhinebeck Bancorp, Inc., Annual General Meeting, May 21, 2024, at 11:00 US Eastern Standard Time. Agenda: To consider the election of three directors to serve for a term of three years; to consider the ratification of the appointment of Wolf & Company, P.C. to serve as the independent registered public accounting firm for the fiscal year ending December 31, 2024; and to consider the transaction of any other business that may properly come before the meeting and any adjournment or postponement of the meeting.
Reported Earnings • Apr 01Full year 2023 earnings released: EPS: US$0.41 (vs US$0.65 in FY 2022)Full year 2023 results: EPS: US$0.41 (down from US$0.65 in FY 2022). Revenue: US$41.7m (down 10.0% from FY 2022). Net income: US$4.40m (down 37% from FY 2022). Profit margin: 11% (down from 15% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.06% (down from 3.45% in FY 2022). Cost-to-income ratio: 83.3% (up from 78.4% in FY 2022). Non-performing loans: 0.41% (down from 0.45% in FY 2022). Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has only fallen by 8% per year, which means it has not declined as severely as earnings.
Buy Or Sell Opportunity • Mar 15Now 20% undervaluedOver the last 90 days, the stock has risen 25% to US$8.30. The fair value is estimated to be US$10.41, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 20%.
Buy Or Sell Opportunity • Feb 23Now 20% undervaluedOver the last 90 days, the stock has risen 32% to US$8.53. The fair value is estimated to be US$10.67, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 20%.
Buy Or Sell Opportunity • Feb 14Now 20% undervaluedOver the last 90 days, the stock has risen 31% to US$8.50. The fair value is estimated to be US$10.66, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 20%.
お知らせ • Feb 01Rhinebeck Bancorp, Inc. Announces Retirement of Michael J. McDermott as Chief Financial Officer, Effective May 31, 2024On January 31, 2024, Rhinebeck Bancorp, Inc. (the Company) announced the retirement of Michael J. McDermott as Chief Financial Officer of the Company. The retirement is effective May 31, 2024. Mr. McDermott has served as its chief financial officer since 2001.
Reported Earnings • Jan 26Full year 2023 earnings released: EPS: US$0.41 (vs US$0.65 in FY 2022)Full year 2023 results: EPS: US$0.41 (down from US$0.65 in FY 2022). Revenue: US$42.0m (down 9.2% from FY 2022). Net income: US$4.40m (down 37% from FY 2022). Profit margin: 11% (down from 15% in FY 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has only fallen by 3% per year, which means it has not declined as severely as earnings.
Buy Or Sell Opportunity • Jan 19Now 21% undervaluedOver the last 90 days, the stock has risen 34% to US$8.52. The fair value is estimated to be US$10.80, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.8% over the last 3 years. Earnings per share has declined by 9.3%.
Buying Opportunity • Jan 16Now 20% undervaluedOver the last 90 days, the stock is up 33%. The fair value is estimated to be US$10.77, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.8% over the last 3 years. Earnings per share has declined by 9.3%.
Valuation Update With 7 Day Price Move • Dec 22Investor sentiment improves as stock rises 20%After last week's 20% share price gain to US$7.98, the stock trades at a trailing P/E ratio of 20.1x. Average trailing P/E is 9x in the Banks industry in the US. Total loss to shareholders of 5.6% over the past three years.
お知らせ • Oct 31Rhinebeck Bancorp, Inc. Announces Promotion of Mark Malone to Chief Retail OfficerRhinebeck Bancorp, Inc. announced promotion of Mark Malone to chief retail officer. He had joined the bank in 2012 and was most recently, a senior vice president of retail banking.
Reported Earnings • Oct 29Third quarter 2023 earnings released: EPS: US$0.12 (vs US$0.19 in 3Q 2022)Third quarter 2023 results: EPS: US$0.12 (down from US$0.19 in 3Q 2022). Revenue: US$10.4m (down 13% from 3Q 2022). Net income: US$1.24m (down 41% from 3Q 2022). Profit margin: 12% (down from 18% in 3Q 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has remained flat, which means it is well ahead of earnings.
Board Change • Sep 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 6 highly experienced directors. Independent Director Donald Beeler was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
New Risk • Aug 11New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.1% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Profit margins are more than 30% lower than last year (12% net profit margin). Shareholders have been diluted in the past year (2.1% increase in shares outstanding). Market cap is less than US$100m (US$76.7m market cap).
Reported Earnings • Jul 29Second quarter 2023 earnings released: EPS: US$0.13 (vs US$0.19 in 2Q 2022)Second quarter 2023 results: EPS: US$0.13 (down from US$0.19 in 2Q 2022). Revenue: US$11.1m (down 7.6% from 2Q 2022). Net income: US$1.43m (down 30% from 2Q 2022). Profit margin: 13% (down from 17% in 2Q 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has remained flat whereas the company’s share price has increased by 2% per year.
Buying Opportunity • Jul 26Now 22% undervalued after recent price dropOver the last 90 days, the stock is down 7.8%. The fair value is estimated to be US$8.63, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 9.0%.
Buying Opportunity • Jun 09Now 24% undervalued after recent price dropOver the last 90 days, the stock is down 27%. The fair value is estimated to be US$8.74, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 9.0%.
Reported Earnings • Mar 25Full year 2022 earnings released: EPS: US$0.65 (vs US$1.07 in FY 2021)Full year 2022 results: EPS: US$0.65 (down from US$1.07 in FY 2021). Revenue: US$46.3m (down 8.3% from FY 2021). Net income: US$7.00m (down 40% from FY 2021). Profit margin: 15% (down from 23% in FY 2021). Net interest margin (NIM): 3.45% (no change from 3.45% in FY 2021). Cost-to-income ratio: 78.4% (up from 75.8% in FY 2021). Non-performing loans: 0.45% (down from 0.78% in FY 2021). Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
お知らせ • Jan 28Rhinebeck Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2022Rhinebeck Bancorp, Inc. reported net charge-offs for the fourth quarter ended December 31, 2022. For the fourth quarter of 2022, the company reported net charge-off of $851,000 for the fourth quarter of 2022.
Reported Earnings • Jan 28Full year 2022 earnings released: EPS: US$0.65 (vs US$1.07 in FY 2021)Full year 2022 results: EPS: US$0.65 (down from US$1.07 in FY 2021). Revenue: US$46.3m (down 8.3% from FY 2021). Net income: US$7.00m (down 40% from FY 2021). Profit margin: 15% (down from 23% in FY 2021). Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Reported Earnings • Oct 29Third quarter 2022 earnings released: EPS: US$0.19 (vs US$0.25 in 3Q 2021)Third quarter 2022 results: EPS: US$0.19 (down from US$0.25 in 3Q 2021). Revenue: US$11.9m (down 5.6% from 3Q 2021). Net income: US$2.11m (down 22% from 3Q 2021). Profit margin: 18% (down from 21% in 3Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
お知らせ • Oct 29Rhinebeck Bancorp, Inc. Announces Net Charge Off for the Third Quarter Ended September 30, 2022Rhinebeck Bancorp, Inc. announced net charge off for the third quarter ended September 30, 2022. For the quarter, the company announced that Net charge-offs increased $84,000 to $222,000 from $138,000 for the comparable quarter in 2021 primarily due to increased charge-offs in its indirect automobile portfolio as loan balances increased.
Seeking Alpha • Sep 15Rhinebeck Bancorp announces share repurchase programRhinebeck Bancorp (NASDAQ:RBKB), the holding company for Rhinebeck Bank, has adopted a program to repurchase up to 247,506 shares of its common stock, which is ~5% of its outstanding common stock. Repurchases are expected to commence after the Company publicly releases its results of operations for the period ended Sept. 30, 2022 and has no expiration date. Shares may be repurchased in open market or private transactions or pursuant to any trading plan. This is the Company's first stock repurchase program since completing its mutual holding company reorganization and related stock offering in January 2019.
Reported Earnings • Jul 29Second quarter 2022 earnings released: EPS: US$0.19 (vs US$0.24 in 2Q 2021)Second quarter 2022 results: EPS: US$0.19 (down from US$0.24 in 2Q 2021). Revenue: US$12.0m (flat on 2Q 2021). Net income: US$2.03m (down 21% from 2Q 2021). Profit margin: 17% (down from 21% in 2Q 2021). Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Seeking Alpha • Jul 28Rhinebeck Bancorp GAAP EPS of $0.18, revenue of $12.02MRhinebeck Bancorp press release (NASDAQ:RBKB): Q2 GAAP EPS of $0.18. Revenue of $12.02M (+9.4% Y/Y).
Reported Earnings • May 01First quarter 2022 earnings released: EPS: US$0.19 (vs US$0.31 in 1Q 2021)First quarter 2022 results: EPS: US$0.19 (down from US$0.31 in 1Q 2021). Revenue: US$11.6m (down 4.0% from 1Q 2021). Net income: US$2.05m (down 38% from 1Q 2021). Profit margin: 18% (down from 28% in 1Q 2021). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 30% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Board Change • Apr 27Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 6 highly experienced directors. Independent Director Steven Howell was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Apr 20Rhinebeck Bancorp, Inc., Annual General Meeting, May 24, 2022Rhinebeck Bancorp, Inc., Annual General Meeting, May 24, 2022, at 11:00 US Eastern Standard Time. Agenda: To consider the election of three directors to serve for a term of three years; to consider the ratification of the appointment of wolf & company, p.c. to serve as the independent registered public accounting firm for the fiscal year ending december 31, 2022; and to consider the transaction of any other business that may properly come before the meeting and any adjournment or postponement of the meeting. (note: the board of directors is not aware of any other business to come before the meeting.
Reported Earnings • Jan 30Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$1.07 (up from US$0.55 in FY 2020). Revenue: US$50.5m (up 35% from FY 2020). Net income: US$11.6m (up 95% from FY 2020). Profit margin: 23% (up from 16% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Reported Earnings • Oct 30Third quarter 2021 earnings released: EPS US$0.25 (vs US$0.11 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$12.7m (up 43% from 3Q 2020). Net income: US$2.69m (up 134% from 3Q 2020). Profit margin: 21% (up from 13% in 3Q 2020). The increase in margin was driven by higher revenue.
Reported Earnings • Jul 31Second quarter 2021 earnings released: EPS US$0.24 (vs US$0.13 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$12.1m (up 43% from 2Q 2020). Net income: US$2.57m (up 90% from 2Q 2020). Profit margin: 21% (up from 16% in 2Q 2020). The increase in margin was driven by higher revenue.
分析記事 • May 06With EPS Growth And More, Rhinebeck Bancorp (NASDAQ:RBKB) Is InterestingLike a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
Reported Earnings • May 05First quarter 2021 earnings released: EPS US$0.31 (vs US$0.10 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$12.1m (up 39% from 1Q 2020). Net income: US$3.32m (up 209% from 1Q 2020). Profit margin: 28% (up from 12% in 1Q 2020). The increase in margin was driven by higher revenue.
お知らせ • Apr 30Rhinebeck Bancorp, Inc. Announces Net Charge-Offs for the Quarter Ended March 31, 2021Rhinebeck Bancorp, Inc. announced net charge-offs for the quarter ended March 31, 2021. Net charge-offs for the quarter ended March 31, 2021 totaled $303,000 compared to $535,000 for the respective period in 2020, as charge-offs fell and recoveries improved period over period.
Reported Earnings • Mar 28Full year 2020 earnings released: EPS US$0.55 (vs US$0.56 in FY 2019)The company reported a mediocre full year result with weaker profit margins, although earnings were flat and revenues improved. Full year 2020 results: Revenue: US$37.5m (up 6.0% from FY 2019). Net income: US$5.92m (flat on FY 2019). Profit margin: 16% (down from 17% in FY 2019). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.56% (down from 3.76% in FY 2019). Cost-to-income ratio: 67.3% (down from 73.7% in FY 2019). Non-performing loans: 0.72% (down from 1.13% in FY 2019).
Is New 90 Day High Low • Feb 25New 90-day high: US$9.93The company is up 21% from its price of US$8.20 on 25 November 2020. The American market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 7.0% over the same period.
分析記事 • Feb 18Have Insiders Been Buying Rhinebeck Bancorp, Inc. (NASDAQ:RBKB) Shares?We often see insiders buying up shares in companies that perform well over the long term. The flip side of that is that...
Is New 90 Day High Low • Feb 09New 90-day high: US$9.37The company is up 28% from its price of US$7.33 on 10 November 2020. The American market is up 16% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 5.0% over the same period.
Reported Earnings • Feb 05Full year 2020 earnings released: EPS US$0.55 (vs US$0.56 in FY 2019)The company reported a mediocre full year result with weaker profit margins, although earnings were flat and revenues improved. Full year 2020 results: Revenue: US$37.5m (up 6.0% from FY 2019). Net income: US$5.92m (flat on FY 2019). Profit margin: 16% (down from 17% in FY 2019). The decrease in margin was driven by higher expenses.
分析記事 • Jan 14Could The Rhinebeck Bancorp, Inc. (NASDAQ:RBKB) Ownership Structure Tell Us Something Useful?A look at the shareholders of Rhinebeck Bancorp, Inc. ( NASDAQ:RBKB ) can tell us which group is most powerful...
Is New 90 Day High Low • Jan 13New 90-day high: US$9.32The company is up 32% from its price of US$7.06 on 14 October 2020. The American market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 3.0% over the same period.
Valuation Update With 7 Day Price Move • Dec 01Market bids up stock over the past weekAfter last week's 17% share price gain to US$9.02, the stock is trading at a trailing P/E ratio of 18.2x, up from the previous P/E ratio of 15.6x. This compares to an average P/E of 12x in the Mortgage industry in the US. Total return to shareholders over the past year is a loss of 17%.
分析記事 • Nov 25Would Shareholders Who Purchased Rhinebeck Bancorp's (NASDAQ:RBKB) Stock Year Be Happy With The Share price Today?While it may not be enough for some shareholders, we think it is good to see the Rhinebeck Bancorp, Inc. (NASDAQ:RBKB...
Reported Earnings • Nov 18Third quarter 2020 earnings released: EPS US$0.11The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: US$8.87m (down 6.3% from 3Q 2019). Net income: US$1.15m (down 45% from 3Q 2019). Profit margin: 13% (down from 22% in 3Q 2019). The decrease in margin was primarily driven by lower revenue.
Is New 90 Day High Low • Nov 10New 90-day high: US$7.20The company is up 6.0% from its price of US$6.79 on 12 August 2020. The American market is up 7.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Mortgage industry, which is down 2.0% over the same period.
Reported Earnings • Oct 31Third quarter earnings releasedOver the last 12 months the company has reported total profits of US$5.31m, down 2.1% from the prior year. Total revenue was US$35.3m over the last 12 months, up 2.0% from the prior year.
Is New 90 Day High Low • Sep 24New 90-day low: US$6.36The company is down 5.0% from its price of US$6.70 on 26 June 2020. The American market is up 8.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Mortgage industry, which is down 25% over the same period.
