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Rhinebeck Bancorp Inc

Rhinebeck Bancorp Inc

RBKB · NASDAQ · Financial Services / Banks - Regional

13.05USD-0.03 (-0.23%)

Price History

Full chart

Market Stats

Previous Close13.08
Open13.06
Day Range12.95 – 13.10
52-Week Range6.74 – 13.23
Volume47.55K
Market Cap198.42M
P/E (TTM)14.26
Forward P/E0.00
EPS0.89
Dividend Yield0.00%
Beta0.16
50-Day Avg12.63
200-Day Avg11.19

About

Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York, the United States. The company offers deposits, including non-interest-bearing demand, interest-bearing demand, money market, commercial and personal checking, individual retirement, and savings accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; other consumer loans, including home equity loans; and personal loans. In addition, the company offers retail brokerage; retirement planning; financial planning and advisory; life insurance and investment products; ATMs, online banking and bill pay, mobile banking with mobile deposit and bill pay, automated clearing house origination, remote deposit capture, and telephone banking; debit and credit cards; wire transfer and merchant services; and wealth management services. Further, it invests in mutual funds and annuities. The company was founded in 1860 and is based in Poughkeepsie, New York.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Matthew J. Smith
  • Employees158
  • Headquarters2 Jefferson Plaza, Poughkeepsie, NY, United States, 12601, USA
  • Websitehttps://www.rhinebeckbank.com

Leadership

  • Mr. Matthew J. SmithPresident, CEO & Director · b. 1984
  • Mr. Kevin Nihill C.F.A.Executive VP, CFO & Treasurer · b. 1976
  • Ms. Jamie J. BloomExecutive VP & COO · b. 1967
  • Mr. Phillip LekanidesVP, Controller & Principal Accounting Officer · b. 1981
  • Megan BourgoinVP, Compliance Officer & Assistant Secretary
  • Peter SaridakisSenior Vice President of Marketing
  • Jeanine BorkoSenior Vice President of Human Resources
  • Mr. James T. McCardle IIIExecutive VP and Chief Credit & Risk Officer · b. 1966
  • Ms. Dawn SchererSenior Vice President of Information Technology
  • Mr. Richard KoloskySenior VP of Commercial & Team Leader - Hudson Valley West

Financials

Income Statement

Currency: USD2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue29.13M28.28M29.36M32.18M34.26M39.28M46.62M52.69M51.11M54.53M66.39M54.26M75.84M
Growth (%)--2.92%+3.79%+9.62%+6.47%+14.65%+18.67%+13.02%-3.00%+6.69%+21.76%-18.28%+39.79%
Cost of Revenue-004.25M4.20M7.42M11.20M15.16M620.00K8.17M24.40M28.33M24.14M
Gross Profit29.13M28.28M29.36M27.93M30.06M31.86M35.42M37.53M50.49M46.36M42.00M25.91M51.71M
Gross Margin100.00%100.00%100.00%86.79%87.74%81.11%75.98%71.23%98.79%85.02%63.26%47.76%68.17%
Operating Expense20.19M19.31M19.11M23.92M23.46M26.49M27.93M30.05M35.49M37.46M36.38M36.85M39.02M
Operating Income8.94M8.97M10.24M4.01M6.60M5.37M7.49M7.48M14.99M8.90M5.61M-10.94M12.69M
Operating Margin30.70%31.71%34.89%12.46%19.26%13.67%16.07%14.19%29.33%16.32%8.46%-20.16%16.72%
EBITDA-3.45M-3.97M20.49M5.32M7.81M6.54M8.83M8.88M16.65M10.55M7.11M-9.51M13.57M
EBITDA Margin-11.85%-14.02%69.79%16.52%22.79%16.66%18.93%16.86%32.57%19.35%10.70%-17.54%17.89%
Net Income1.39M923.26K857.21K2.69M3.00M4.36M5.96M5.92M11.56M7.00M4.39M-8.62M10.04M
Net Income Margin4.78%3.26%2.92%8.36%8.76%11.09%12.79%11.23%22.62%12.83%6.62%-15.89%13.24%
R&D--0000-------
R&D as % of Total Revenue--0.00%0.00%0.00%0.00%-------
Interest Expense-003.05M3.30M5.32M8.74M8.02M4.29M6.76M22.69M25.53M22.48M
Interest Expense % of Total Revenue-0.00%0.00%9.48%9.63%13.54%18.75%15.22%8.39%12.39%34.18%47.05%29.64%

Balance Sheet

Currency: USD2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets612.83M650.50M668.15M722.56M742.10M882.42M973.95M1.13B1.28B1.34B1.31B1.26B1.30B
Total Liabilities561.23M600.00M617.22M670.04M687.13M823.15M864.06M1.01B1.16B1.23B1.20B1.13B1.16B
Total Equity51.59M50.50M50.93M52.52M54.98M59.28M109.88M116.50M125.97M108.13M113.69M121.83M136.85M
Cash17.43M30.57M28.32M12.98M10.46M50.59M11.98M93.48M19.45M16.82M14.61M19.18M18.83M
Total Debt12.65M12.65M5.16M14.65M20.05M41.75M71.46M55.83M23.20M62.88M133.22M74.93M30.31M
Net Debt-4.78M-17.92M-23.16M1.68M9.60M-8.84M59.48M-37.66M3.75M46.06M118.61M55.75M11.48M

Cash Flow

Currency: USD2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-4.90M4.90M4.90M5.39M8.61M12.11M14.85M7.65M14.79M7.05M8.47M11.74M
Investing Cash Flow--72.87M-72.87M-72.87M-23.96M-104.07M-132.08M-74.12M-135.73M-123.61M14.70M74.75M21.16M
Financing Cash Flow-52.63M52.63M52.63M16.06M135.59M81.36M140.78M106.69M68.11M-31.00M-67.86M31.60M
Capital Expenditure01.06M1.06M1.06M697.00K1.15M2.59M1.87M1.77M1.13M578.00K791.00K850.00K
Free Cash Flow---3.84M4.69M7.46M9.52M12.98M5.88M13.66M6.47M7.68M10.89M
Dividends Paid--000029.71M-36.00K----
FCF to OCF---78.37%87.06%86.69%78.62%87.42%76.82%92.35%91.80%90.66%92.76%
Dividend Paid to FCF---0.00%0.00%0.00%311.97%-0.61%----

Earnings

Report DateNov 21, 2018Feb 7, 2019May 14, 2019Jul 26, 2019Oct 31, 2019Feb 7, 2020May 1, 2020Jul 30, 2020Oct 29, 2020Feb 3, 2021Apr 29, 2021Jul 29, 2021Oct 28, 2021Jan 27, 2022Apr 28, 2022Jul 28, 2022Oct 27, 2022Jan 26, 2023Apr 27, 2023Jul 27, 2023Oct 26, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 23, 2025Apr 24, 2025Jul 23, 2025Oct 22, 2025Jan 29, 2026Apr 22, 2026Jul 23, 2026Oct 27, 2026
EPS Estimate0.000.00---------------------------0.00---
EPS Actual0.060.110.080.110.200.160.100.130.110.220.310.230.250.270.190.180.190.070.070.130.110.090.100.09-0.75-0.250.210.250.250.210.200.24-
Surprise---------------------------------
Timing-------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hours--

Key Statistics & Ratios

Market Cap198.42M
Enterprise Value-93.25M
Trailing P/E14.26
Forward P/E0.00
Price / Sales3.81
Price / Book1.44
EPS0.89
Book Value9.16
Revenue (TTM)52.05M
Gross Profit (TTM)52.05M
Profit Margin18.95%
Operating Margin27.18%
Return on Equity7.35%
Return on Assets0.72%
Shares Outstanding15.64M
Shares Float13.71M
Beta0.16
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
16.08%
Insiders
42.99%
Retail / Other
40.93%

Top Institutional Holders

  • M3F, Inc.
    1.01M6.46%
  • AllianceBernstein L.P.
    386.61K2.47%
  • Vanguard Capital Management, LLC
    184.49K1.18%
  • BlackRock Inc
    168.93K1.08%
  • Geode Capital Management, LLC
    93.61K0.60%
  • Bridgeway Capital Management, LLC
    74.63K0.48%
  • Empowered Funds, LLC
    59.63K0.38%
  • Dimensional Fund Advisors, Inc.
    32.19K0.21%
  • State Street Corp
    31.03K0.20%
  • Northern Trust Corp
    30.68K0.20%
  • Vanguard Fiduciary Trust Co
    26.10K0.17%
  • Vanguard Portfolio Management, LLC
    25.75K0.16%
  • Renaissance Technologies Corp
    24.30K0.16%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    579.21K3.70%
  • iShares Russell 2000 ETF
    150.49K0.96%
  • EA Bridgeway Omni Small-Cap Value ETF
    88.50K0.57%
  • iShares Russell 2000 Value ETF
    57.26K0.37%
  • Fidelity Small Cap Index
    48.15K0.31%
  • Vanguard Russell 2000 ETF
    37.77K0.24%
  • Fidelity Extended Market Index
    27.64K0.18%

Stock Splits

  • Jul 22, 20261397:1000