RBKB
Rhinebeck Bancorp, Inc.Financial Services·Banks - Regional
$16.28
$181M market cap
Revenue
$37.5M
Free Cash Flow
$5.2M
Rev Growth
+0.0%
FCF Margin
14.0%
P/FCF
34.5x
EV/FCF
34.3x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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 company offers deposits; automobile loans; commercial real estate loans, including multi-family real estate loans, commercial construction, and land development loans; commercial business loans; and one-to four-family residential real estate loans. It also provides brokerage and
2-Year Price History
$15.50+99.5%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 18.1 | 2.9 | 2.9 | 2.2 | 3.5 | 2.9 | -0.6 | 17.6 | 16.5 | 11.0 | 14.3% | 0.5x | -- |
| Act | 2025-Q4 | 19.4 | 2.9 | 2.9 | 2.3 | 2.8 | 2.4 | -0.4 | 122.0 | 30.3 | 11.0 | 12.5% | 0.5x | -- |
Valuation & Metrics
Market Stats
Price$16.28
Market Cap$181M
Enterprise Value$180M
P/S Ratio4.8x
P/FCF34.5x
EV/FCF34.3x
FCF Margin (TTM)14.0%
FCF Yield2.9%
Dividend Yield (TTM)--
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$37.5M
Net Income$4.5M
Free Cash Flow$5.2M
Revenue Growth (YoY)+0.0%
EBITDA Margin15.4%
Net Margin12.1%
FCF Margin14.0%
CapEx % of Revenue2.8%
SBC % of Revenue0.0%
ROIC13.4%
WC Change % Rev0.2%
Interest Coverage0.5x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover6.6
Change (vs Prior)-6.9%
Need at least 2 settlement dates for chart
Employees
Headcount157
Revenue / Employee$238,707
Gross Profit / Employee$163,019
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
13.8%(+5.0% YoY)
36 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
5.2%(+3.4% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.2% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| M3F, Inc. | $15.6M | $8.33 | −$77K | −$304K | +1.5% | $404M |
| ALLIANCEBERNSTEIN L.P. | $4.6M | $10.01 | +$173K | +$49K | -0.3% | $307.70B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $2.8M | $15.42 | +$2.8M | +$2.8M | — | $4.04T |
| BlackRock, Inc.Passive | $2.6M | $12.03 | +$310K | +$2.5M | -0.2% | $5.69T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $1.4M | $9.91 | +$19K | +$835K | +2.3% | $1.61T |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1.2M | $8.31 | +$29K | +$102K | -2.3% | $4.93B |
| Empowered Funds, LLC | $919K | $7.86 | +$29K | +$102K | +0.2% | $15.64B |
| STATE STREET CORPPassive | $478K | $11.85 | +$17K | +$478K | -0.2% | $2.89T |
| NORTHERN TRUST CORPPassive | $473K | $11.65 | −$16K | +$473K | -0.2% | $755.34B |
| DIMENSIONAL FUND ADVISORS LPPassive | $461K | $8.34 | +$0 | +$50K | -0.4% | $480.92B |
| VANGUARD FIDUCIARY TRUST COPassive | $402K | $15.42 | +$402K | +$402K | — | $395.83B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $397K | $15.42 | +$397K | +$397K | — | $1.91T |
| RENAISSANCE TECHNOLOGIES LLC | $375K | $12.55 | +$48K | +$375K | +1.2% | $63.91B |
| HPM Partners LLC | $309K | $11.36 | −$0 | +$309K | -0.1% | $70.24B |
| AE Wealth Management LLC | $234K | $11.98 | +$33K | +$234K | -0.2% | $18.46B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $175K | $11.73 | +$0 | +$175K | +0.7% | $645.81B |
| Focused Wealth Management, Inc | $154K | $9.25 | +$0 | +$0 | -1.8% | $943M |
| MORGAN STANLEY | $128K | $11.66 | −$6K | +$124K | -0.3% | $1.65T |
| DEUTSCHE BANK AG\ | $125K | $15.42 | +$120K | +$125K | — | $302.17B |
| NEW YORK STATE COMMON RETIREMENT FUND | $85K | $11.73 | −$24K | +$85K | +1.3% | $71.52B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
+0.82%
avg per quarter
Holders (ex-self)
+0.84%
excl. this stock
Buyers (this Q)
-0.49%
27 buyers · $0.01B in
Sellers (this Q)
+1.49%
11 sellers · $-0.00B out
alpha coverage: 89% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-4.3%
how holders react when this stock falls
On quiet Qs
+1.4%
−10% to +10% baseline
On rallies (+10%+)
+12.9%
how they react when this stock rises
Holders' portfolio flow this Q
+3.3%
inflows — adds are organic
Sellers' portfolio flow this Q
+3.1%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-4.5%
Holder mid (any stock)
-1.3%
Holder rally (any stock)
-3.2%
Biggest decreases this quarter
GRACE & WHITE INC /NYexited−$152KM3F, Inc.−$77Kα+1.5BANK OF AMERICA CORP /DE/exited−$46KNEW YORK STATE COMMON RETIREMENT FUND−$24Kα+1.3NORTHERN TRUST CORP−$16Kα-0.2MORGAN STANLEY−$6Kα-0.3CALIFORNIA STATE TEACHERS RETIREMENT SYSTEMexited−$3KAMALGAMATED BANKexited−$2KHPM Partners LLC−$0α-0.1IFP Advisors, Incexited−$0
New buyers this quarter
Top-5 holders · 81.3%
M3F, Inc.--
ALLIANCEBERNSTEIN L.P.--
VANGUARD CAPITAL MANAGEMENT LLC--
BlackRock, Inc.--
GEODE CAPITAL MANAGEMENT, LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
M3F, Inc.1.0MEJF Capital LLC—ALLIANCEBERNSTEIN L.P.387KMALTESE CAPITAL MANAGEMENT LLC—BRIDGEWAY CAPITAL MANAGEMENT, LLC75KEmpowered Funds, LLC60KJOHN G ULLMAN & ASSOCIATES INC—RENAISSANCE TECHNOLOGIES LLC24KHPM Partners LLC20KMILLENNIUM MANAGEMENT LLC—
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$10K
1 txn · 1 insider · 1,000 sh
Sells ($, 12mo)
$187K
4 txns · 2 insiders · 14,143 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-19 | SELL | Bronzi Philip J | officer: 1st SVP, Com Mkt Pres | 4,162 | $15.91 | $66K | $0 |
| 2025-12-03 | SELL | Bronzi Philip J | officer: Chief Lending Officer | 5,046 | $11.08 | $56K | $0 |
| 2025-11-06 | BUY | Nihill Kevin M | officer: CFO and Treasurer | 1,000 | $9.67 | $10K | $150K |
| 2025-08-29 | SELL | McCardle James T. III | officer: Chief Credit Officer | 4,250 | $13.14 | $56K | $47K |
| 2025-08-12 | SELL | McCardle James T. III | officer: Chief Credit Officer | 685 | $12.74 | $9K | $100K |
Order Flow (FINRA, ~3w lag)
14.8%retail-13.0pp
13.2%dark+2.0pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Rhinebeck Bancorp, Inc: Procedural Metadata Indicates Standard Administrative Compliance
Overall Risk
3/10
Fraud
1/10
Dilution
1/10
Insolvency
2/10
Earnings Overstated
2/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10