Rhinebeck Bancorp, Inc. (RBKB)
Rhinebeck Bancorp, Inc. brought in $3M of revenue over the twelve months to June 30, 2026, down 1.1% from a year earlier. Net income was $9.9M, a net margin of 329.8%. Operating cash flow minus capital spending left $10.9M of free cash flow in fiscal 2025. At June 30, 2026 it held $304.6M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 13, 2026.
Key facts about Rhinebeck Bancorp, Inc.
- Net worth
- Rhinebeck Bancorp, Inc. has a market value (market cap) of $207.3M at the latest share price, and shareholders' equity of $139.6M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $11.7M of cash; after $850K of capital spending, free cash flow was $10.9M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 13, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- Rhinebeck Bancorp, Inc.'s next report is expected around January 28, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What Rhinebeck Bancorp, Inc. does
Rhinebeck Bancorp, Inc. is registered with the SEC under industry code SIC 6036 (Savings Institutions, Not Federally Chartered). Its shares trade on NASDAQ under the ticker RBKB.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $3M | $10M | $0.92 | $10.9M |
| 2024 | $3M | -$8.6M | -$0.80 | $7.7M |
| 2023 | $2.9M | $4.4M | $0.40 | $6.5M |
| 2022 | $2.8M | $7M | $0.64 | $13.7M |
| 2021 | $2.6M | $11.6M | $1.06 | $5.9M |
| 2020 | $2.3M | $5.9M | $0.55 | $13M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where RBKB ranks in Finance
Latest SEC filings
What Rhinebeck Bancorp, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 29, 2026
- October 28, 2026Passive stake changed SCHEDULE 13G/A
- October 6, 2026Executive or director change8-KRhinebeck Bank issued non-renewal notices for existing change in control agreements to update its contract terms.
- August 18, 2026
- August 14, 2026
- August 13, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 2.2% to $744K versus the same quarter last year; diluted EPS $0.24 versus $0.25.
- August 11, 2026Passive stake changed SCHEDULE 13G/A
- July 23, 2026
- July 21, 2026Other event 8-K
- July 17, 2026Other event 8-K
What is RBKB worth? A DCF from its reported cash flow
Insider trades
What the people running Rhinebeck Bancorp, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| August 6, 2026 | Vitale MichaelEVP, Head of Comm Banking | Bought | 4,834 | $59.7K |
| July 22, 2026 | Smith Matthew JamesPresident & CEO, Director | Bought | 2,300 | $27.6K |
| July 22, 2026 | Smith Matthew JamesPresident & CEO, Director | Bought | 10,125 | $121.5K |
| July 22, 2026 | Patzwahl Nancy KoskeyDirector | Bought | 25,000 | $298.5K |
| July 22, 2026 | Vitale MichaelEVP, Head of Comm Banking | Bought | 5,000 | $59.7K |
| July 22, 2026 | Loughlin SuzanneDirector | Bought | 500 | $6K |
| July 22, 2026 | Loughlin SuzanneDirector | Bought | 12,000 | $143.2K |
| July 21, 2026 | Bloom Jamie J.Chief Operating Officer | Received as payindirect | 1,000 | $10K |
Who owns RBKB
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
Largest institutional holders
Insiders
15 insiders reported holding 358,988 shares in total, about $4.8M at the last price.
| Holder | Shares |
|---|---|
| Irwin William C.Director | 50,937 |
| Loughlin SuzanneDirector | 46,828 |
| Chestney Christopher W.Director | 40,940 |
| Smith Matthew JamesPresident & CEO, Director | 36,251 |
| LaFrance Shannon MartinDirector | 35,341 |
| McCardle James T. IIIChief Credit & Risk Officer | 28,04116,279 held indirectly |
| Patzwahl Nancy KoskeyDirector | 27,270 |
| Nihill Kevin MCFO and Treasurer | 23,696 |
| Vitale MichaelEVP, Head of Comm Banking | 22,414 |
| Lekanides PhillipSVP, Chief Accounting Officer | 15,1136,626 held indirectly |
Questions about RBKB
What does Rhinebeck Bancorp, Inc. do?
Rhinebeck Bancorp, Inc. is a company in the Finance sector, listed on NASDAQ as RBKB. Its shares trade on NASDAQ under the ticker RBKB.
What is Rhinebeck Bancorp, Inc.'s net worth?
Rhinebeck Bancorp, Inc. has a market value (market cap) of $207.3M at the latest share price, and shareholders' equity of $139.6M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Rhinebeck Bancorp, Inc. profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $9.9M on revenue of $3M, a net margin of 329.8%.
How much revenue does Rhinebeck Bancorp, Inc. make?
Over the twelve months to June 30, 2026 Rhinebeck Bancorp, Inc. reported revenue of $3M. That is 1.1% less than a year earlier.
When did Rhinebeck Bancorp, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 13, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the quarterly results from October 29, 2026.
When is Rhinebeck Bancorp, Inc.'s next earnings report?
Rhinebeck Bancorp, Inc.'s next report is expected around January 28, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values Rhinebeck Bancorp, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.