Rhinebeck Bancorp, Inc. (RBKB)

In the past six months, Rhinebeck Bancorp's stock price has increased by 12.41%. In November 2025, the stock rating was revised from "Sell" to "Hold" due to improvements in financial performance. The company's net interest margin increased, deposits grew, and debt was reduced. Rhinebeck Bancorp returned to profitability, reporting GAAP EPS of $0.25 and revenue of $13.97 million for Q3 2025, and Matthew Smith was appointed as CEO in September 2025. The company also announced a new stock repurchase plan.

The profitability of Rhinebeck Bancorp, Inc. is primarily dependent on the general economic conditions within its primary market area, the Hudson Valley region of New York. A deterioration in local economic conditions could lead to a reduction in demand for its products and services and potentially increase non-performing loans. Rhinebeck Bancorp's business is more susceptible to regional economic fluctuations. The information does not explicitly detail any specific seasonal patterns in the demand for Rhinebeck Bancorp's banking products and services.

Rhinebeck Bancorp, Inc. operates as the holding company for Rhinebeck Bank, a community-focused financial institution headquartered in Poughkeepsie, New York, primarily operating within the Regional - Mid-Atlantic Banks industry. Rhinebeck Bank offers a comprehensive suite of banking and financial services to both consumer and commercial customers, including deposit accounts and various loan types. The company also provides alternative delivery channels like online and mobile banking, and investment advisory and financial product sales through Rhinebeck Asset Management (RAM).

Rhinebeck Bancorp, Inc. primarily serves the Hudson Valley region of New York, operating through approximately 13 to 15 branches and two representative offices located in Dutchess, Ulster, Orange, and Albany counties.

Rhinebeck Bancorp is recognized as a community-focused financial institution with a long-standing history of serving the financial needs of individuals, families, and businesses in the Hudson Valley region since 1860. The company emphasizes personalized customer service and community engagement. Rhinebeck Bank has also been noted for its "Bank On Certified Account," RB Access, which provides a budget-friendly and convenient banking solution for underserved individuals. The company acknowledges cybersecurity risks as a general concern.

Rhinebeck Bancorp, Inc. has a significant institutional ownership presence, with 97 institutional owners and shareholders holding a total of 2,508,155 shares. Major institutional shareholders include M3F, Inc., Alliancebernstein L.p., Vanguard Group Inc, and BlackRock, Inc. Rhinebeck Bancorp MHC, a mutual holding company, owns 57.14% of the outstanding common stock. Institutional ownership accounts for approximately 19.54% to 23.88% of the stock, while individual investors own around 2.61% to 19%. Insiders hold about 5.64% to 6.36% of the stock, and in the past three months, insiders have bought more company stock than they have sold.