RBKB
Rhinebeck Bancorp, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Strong buy
+55/100
Last price
13.19
▼ 0.03 (0.23%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
13.24
Prev close
13.22
Day high
13.24
Day low
13.19
Volume
3.27K
Market cap
$206.24M
P/E (TTM)
14.49
52W range
6.74 – 13.29
Day trading desk
Gap from prior close
+0.15%
Prior close 13.22
VWAP
13.23
-0.33% from price
Relative volume
0.00×
Quiet session
Session range
0.38%
13.19 – 13.24
Position in range
0%
Near session low
ATR (14D)
0.19
1.41% of price
Prior day high
13.28
PDH
Prior day low
13.13
PDL
Bid / ask spread
—
Quote not published
Session volume
529
Avg 151.52K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+3.94%
+2.4%
1M
+0.92%
-0.1%
3M
+7.88%
+4.9%
6M
+18.88%
+4.4%
YTD
+53.30%
+39.8%
1Y
+56.02%
+40.8%
3Y
+167.05%
+85.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on RBKB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+438.11K
Net buying
Buy transactions
69
480.76K shares
Sell transactions
12
42.66K shares
Net transactions
+81
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
6.60M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 21, 26 | CHESTNEY CHRISTOPHER W Director |
STOCK | 10.00K | $175.40K | Direct |
| Jul 21, 26 | MCCARDLE JAMES T. III Officer |
STOCK | 2.50K | $43.85K | Indirect |
| Jul 21, 26 | LAFRANCE SHANNON MARTIN Director |
STOCK | 2.70K | $47.36K | Direct |
| Jul 21, 26 | IRWIN WILLIAM C Director |
STOCK | 10.00K | $175.40K | Direct |
| Jul 21, 26 | BLOOM JAMIE J. Chief Operating Officer |
STOCK | 1.00K | $17.54K | Indirect |
| Jul 21, 26 | GARCIA FREDDIMIR Director |
STOCK | 500 | $8.77K | Direct |
| Jul 21, 26 | LEKANIDES PHILLIP Officer |
STOCK | 1.87K | $32.77K | |
| May 26, 26 | HOWELL STEVEN E Director |
STOCK | 1.62K | $0 | Direct |
| May 26, 26 | LOUGHLIN SUZANNE Director |
STOCK | 1.62K | $0 | Direct |
| May 26, 26 | BEELER DONALD E JR Director |
STOCK | 1.62K | $0 | Direct |
| May 26, 26 | CHESTNEY CHRISTOPHER W Director |
STOCK | 1.62K | $0 | Direct |
| May 26, 26 | MCCARDLE JAMES T. III Officer |
STOCK | 8.18K | $0 | Direct |
| May 26, 26 | LAFRANCE SHANNON MARTIN Director |
STOCK | 1.62K | $0 | Direct |
| May 26, 26 | IRWIN WILLIAM C Director |
STOCK | 1.62K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BLOOM JAMIE J. |
Chief Operating Officer | — | Stock Award(Grant) |
CHESTNEY CHRISTOPHER W |
Director | 45.13K | Stock Award(Grant) |
IRWIN WILLIAM C |
Director | 50.94K | Stock Award(Grant) |
LAFRANCE SHANNON MARTIN |
Director | 35.34K | Stock Award(Grant) |
LEKANIDES PHILLIP |
Officer | — | Stock Award(Grant) |
LOUGHLIN SUZANNE |
Director | 24.56K | Stock Award(Grant) |
MCCARDLE JAMES T. III |
Officer | — | Stock Award(Grant) |
NIHILL KEVIN M |
Chief Financial Officer | 25.16K | Stock Award(Grant) |
QUINN MICHAEL J. |
Chief Executive Officer | 101.93K | Conversion of Exercise of derivative security |
SMITH MATTHEW JAMES |
Chief Executive Officer | 17.29K | Stock Award(Grant) |
Fundamentals
Market cap$206.24M
Enterprise value$-85.10M
Revenue (TTM)$52.05M
Gross profit$52.05M
EBITDA—
Net income$9.86M
EPS (TTM)$0.91
Free cash flow—
Total cash$310.09M
Total debt$21.88M
Book value / share$9.16
Shares outstanding15.64M
Float13.71M
Short % of float3.08%
Dividend yield0.00%
Beta (5Y)0.17
Valuation & profitability ratios
Trailing P/E14.49
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.44
EV / revenue-1.64
EV / EBITDA—
Gross margin0.00%
Operating margin27.18%
Profit margin18.95%
Return on equity7.34%
Return on assets0.72%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $53.35M | $28.73M | $43.70M | $47.77M | +85.7% |
| Operating revenue | $53.35M | $28.73M | $43.70M | $47.77M | +85.7% |
| Selling, general & admin | $23.52M | $22.07M | $21.25M | $23.12M | +6.6% |
| Pre-tax income | $12.69M | -$10.94M | $5.61M | $8.90M | +216.0% |
| Tax provision | $2.64M | -$2.32M | $1.22M | $1.90M | +213.9% |
| Net income | $10.04M | -$8.62M | $4.39M | $7.00M | +216.5% |
| Net income to common | $10.04M | -$8.62M | $4.39M | $7.00M | +216.5% |
| Basic EPS | 0.93 | -0.80 | 0.41 | 0.65 | +216.2% |
| Diluted EPS | 0.92 | -0.80 | 0.40 | 0.64 | +215.0% |
| Basic shares | 10.81M | 10.76M | 10.79M | 10.84M | +0.4% |
| Diluted shares | 10.96M | 10.76M | 10.86M | 11.00M | +1.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $18.83M | $19.18M | $14.61M | $16.82M | -1.8% |
| Accounts receivable | $4.88M | $4.43M | $4.62M | $4.25M | +10.1% |
| Property, plant & equipment | $13.62M | $14.11M | $17.57M | $18.72M | -3.4% |
| Goodwill & intangibles | $2.34M | $2.40M | $2.48M | $2.57M | -2.5% |
| Total assets | $1.30B | $1.26B | $1.31B | $1.34B | +3.7% |
| Current debt | $1.61M | $20.00M | — | — | -91.9% |
| Long-term debt | $28.69M | $74.93M | $133.22M | $62.88M | -61.7% |
| Total debt | $30.31M | $74.93M | $133.22M | $62.88M | -59.6% |
| Total liabilities | $1.16B | $1.13B | $1.20B | $1.23B | +2.7% |
| Retained earnings | $101.80M | $91.77M | $100.39M | $96.62M | +10.9% |
| Shareholder equity | $136.85M | $121.83M | $113.69M | $108.13M | +12.3% |
| Net tangible assets | $134.51M | $119.43M | $111.20M | $105.56M | +12.6% |
| Shares issued | 11.14M | 11.09M | 11.07M | 11.28M | +0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $10.04M | -$8.62M | $4.39M | $7.00M | +216.5% |
| Depreciation & amortisation | $1.36M | $1.42M | $1.49M | $1.65M | -4.6% |
| Stock-based compensation | $282.00K | $205.00K | $558.00K | $831.00K | +37.6% |
| Change in working capital | -$3.28M | -$1.35M | -$475.00K | -$255.00K | -142.3% |
| Operating cash flow | $11.74M | $8.47M | $7.05M | $14.79M | +38.6% |
| Capital expenditure | -$850.00K | -$791.00K | -$578.00K | -$1.13M | -7.5% |
| Investing cash flow | $21.16M | $74.75M | $14.70M | -$123.61M | -71.7% |
| Share buybacks | -$95.00K | $0 | -$1.46M | -$111.00K | — |
| Financing cash flow | $31.60M | -$67.86M | -$31.00M | $68.11M | +146.6% |
| Free cash flow | $10.89M | $7.68M | $6.47M | $13.66M | +41.9% |
| End cash position | $101.99M | $37.48M | $22.13M | $31.38M | +172.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $13.36M | $12.65M | $13.50M | $13.97M | $13.09M | +5.6% |
| Operating revenue | $13.36M | $12.65M | $13.50M | $13.97M | $13.09M | +5.6% |
| Selling, general & admin | $5.93M | $5.90M | $6.23M | $5.89M | $5.76M | +0.5% |
| Pre-tax income | $3.38M | $2.85M | $2.93M | $3.34M | $3.49M | +18.5% |
| Tax provision | $762.00K | $635.00K | $591.00K | $648.00K | $762.00K | +20.0% |
| Net income | $2.62M | $2.22M | $2.34M | $2.69M | $2.73M | +18.1% |
| Net income to common | $2.62M | $2.22M | $2.34M | $2.69M | $2.73M | +18.1% |
| Basic EPS | 0.24 | 0.20 | 0.22 | 0.25 | 0.25 | +20.0% |
| Diluted EPS | 0.24 | 0.20 | 0.21 | 0.25 | 0.25 | +20.0% |
| Basic shares | 10.83M | 10.84M | 10.85M | 10.81M | 10.79M | -0.1% |
| Diluted shares | 10.96M | 10.98M | 10.96M | 10.98M | 10.95M | -0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $24.60M | $20.78M | $18.83M | $16.28M | $24.08M | +18.4% |
| Accounts receivable | $4.59M | $4.71M | $4.88M | $4.86M | $4.50M | -2.5% |
| Property, plant & equipment | $13.25M | $13.48M | $13.62M | $13.75M | $13.78M | -1.7% |
| Goodwill & intangibles | $2.33M | $2.33M | $2.34M | $2.35M | $2.36M | -0.3% |
| Total assets | $1.47B | $1.28B | $1.30B | $1.32B | $1.27B | +14.4% |
| Current debt | $3.32M | $1.61M | $1.61M | $2.68M | $1.45M | +105.9% |
| Long-term debt | $6.99M | $8.69M | $28.69M | $29.07M | $30.31M | -19.7% |
| Total debt | $10.31M | $10.31M | $30.31M | $31.76M | $31.76M | 0.0% |
| Total liabilities | $1.33B | $1.15B | $1.16B | $1.18B | $1.15B | +16.1% |
| Retained earnings | $105.98M | $103.96M | $101.80M | $99.47M | $96.78M | +1.9% |
| Shareholder equity | $139.60M | $138.64M | $136.85M | $133.00M | $128.96M | +0.7% |
| Net tangible assets | $137.28M | $136.31M | $134.51M | $130.66M | $126.59M | +0.7% |
| Shares issued | 11.18M | 11.15M | 11.14M | 11.15M | 11.11M | +0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $2.62M | $2.22M | $2.34M | $2.69M | $2.73M | +18.1% |
| Depreciation & amortisation | $332.00K | $344.00K | $473.00K | $226.00K | $321.00K | -3.5% |
| Stock-based compensation | $153.00K | $87.00K | $69.00K | $79.00K | $70.00K | +75.9% |
| Change in working capital | $2.58M | $369.00K | -$1.53M | -$2.50M | -$171.00K | +599.2% |
| Operating cash flow | $5.59M | $3.52M | $2.77M | $2.23M | $2.43M | +58.9% |
| Capital expenditure | -$205.00K | -$637.00K | -$353.00K | -$199.00K | -$182.00K | +67.8% |
| Investing cash flow | $2.75M | $22.87M | $10.49M | -$24.61M | $22.32M | -88.0% |
| Share buybacks | -$1.59M | -$220.00K | $100.00K | -$133.00K | -$62.00K | -624.1% |
| Financing cash flow | $183.32M | -$15.47M | -$14.74M | $36.22M | $14.36M | +1,285.0% |
| Free cash flow | $5.39M | $2.88M | $2.42M | $2.03M | $2.25M | +86.9% |
| End cash position | $304.56M | $112.90M | $101.99M | $103.47M | $89.62M | +169.8% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders42.99%
Held by institutions16.09%
Institutions holding74
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
12.96
+1.80% from price
SMA 20
12.94
+1.91% from price
SMA 50
12.72
+3.67% from price
SMA 100
12.35
+6.82% from price
SMA 200
11.34
+16.30% from price
EMA 12
13.01
+1.36% from price
EMA 26
12.90
+2.22% from price
EMA 50
12.73
+3.62% from price
RSI (14)
60.6
Neutral
MACD (12,26,9)
0.11
Hist 0.03
ATR (14)
0.19
1.41% of price
Realised vol 30D
17.2%
Annualised
Bollinger upper
13.27
20, 2σ
Bollinger lower
12.61
20, 2σ
50 / 200 cross
Golden
12.72 vs 11.34
Trend bias
Above 200
+16.30%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.03
Less volatile than market
Correlation to SPY
0.01
Largely independent
Realised vol 30D
17.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-17.6%
Peak to trough
Max drawdown 5Y
-46.2%
Peak to trough
ATR 14
0.19
1.41% of price
Beta (reported)
0.17
5Y monthly, from filing
Short interest
Shares short
278.78K
Prior 225.62K
Change vs prior
+23.6%
Shorts adding
% of float
3.08%
Normal
% of shares out
1.78%
Against total outstanding
Days to cover
2.6
Liquid
Float
13.71M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split1397:1000
Split dateJul 22, 2026
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-18
Corporate Changes & Voting Matters
8-K · 2026-08-14
Periodic Financial Reports
10-Q · 2026-08-13
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-07-21
Corporate Changes & Voting Matters
8-K · 2026-07-17
Corporate Changes & Voting Matters
8-K · 2026-06-29
Annual report of employee stock purchase
11-K · 2026-06-25
Headlines
Rhinebeck Bank Opens Rye Brook Branch to Advance Westchester Expansion
ACCESS Newswire · 2d ago
Rhinebeck Bank Expands Capital Region Commercial Banking Team with Appointment of Timothy Kensky
ACCESS Newswire · 13d ago
RBKB vs. OBT: Which Hudson Valley Bank Stock Is the Better Buy Now?
Zacks · 13d ago
Rhinebeck Bank Appoints Travis Podolec as New Senior Vice President, Commercial Lender in Orange County
ACCESS Newswire · 71d ago
Zacks Initiates Coverage of Rhinebeck Bancorp With Neutral Recommendation
Zacks · 71d ago
Rhinebeck Bancorp Insider Bought Shares Worth $298,500, According to a Recent SEC Filing
MT Newswires · 76d ago
Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2026 and Completes Second-Step Conversion
ACCESS Newswire · 76d ago
Rhinebeck Bancorp, Inc. Announces Completion of Conversion and Offering
ACCESS Newswire · 78d ago
PRIVATE STRATEGY · BY QUALIFICATION
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