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Rhinebeck Bancorp, Inc.

Rhinebeck Bancorp, Inc.

NASDAQ•RBKB
CEO: Mr. Michael J. Quinn
セクター: Financial Services
業種: Banks - Regional
上場日: 2019-01-17
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, including non-interest-bearing demand, interest bearing demand, money market, commercial and personal checking, individual retirement, and saving 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; and other consumer loans consist of home equity loans and lines of credit. In addition, the company offers retail brokerage and advisory services; life insurance services; and invests in mutual funds, annuities, and other assets. Rhinebeck Bancorp, Inc. was founded in 1860 and is headquartered in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. is a subsidiary of Rhinebeck Bancorp, MHC.
連絡先情報
2 Jefferson Plaza, Poughkeepsie, NY, 12601, United States
845-454-8555
www.rhinebeckbank.com
時価総額
$171.09M
PER (TTM)
16.6
14.8
配当利回り
--
52週高値
$16.14
52週安値
$9.31
52週レンジ
88%
順位51Top 71.3%
3.0
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$19.40M+40.63%
直近4四半期の推移

EPS

$0.22-188.00%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Nine Month Net Income Swing Swung to $7.7M net income YTD 2025 from $6.0M loss in 2024, driven by strong NII performance and restructuring benefits.
Net Interest Margin Expansion NIM expanded 84 basis points to 3.90% for nine months 2025, fueled by higher yields on loans and securities post-restructuring.
Loan Portfolio Quality Improves Non-performing loans decreased 9.4% to $3.7M as of September 30, 2025; ACL balance reduced to $8.2M from $8.5M.
Deposit Base Growth Noted Total deposits grew $95.0M (9.3%) to $1.12B, primarily driven by a $80.5M increase in interest-bearing deposit balances.

リスク要因

Credit Loss Provision Increase Quarterly provision rose 1.7% due to higher loan balances; Q3 2025 saw $629K charge-off on commercial real estate property.
Strategic Mortgage Origination Shift Discontinuing direct residential mortgage origination, shifting to a referral partnership model with Homestead Funding Corporation.
Interest Rate Risk Management Exposure remains due to longer asset maturities versus shorter liability maturities; ALCO actively monitors rate changes via EVE modeling.
Branch Consolidation Announced Bank decided to close the Middletown branch effective January 27, 2026, as part of ongoing operational efficiency strategy.

見通し

Strong Capital Adequacy Maintained Bank remains "well capitalized" with CET1 ratio at 13.08% (6.50% minimum), providing significant regulatory buffer.
Loan Portfolio Composition Shift Strategic reduction in indirect automobile loans continues, which decreased as a percentage of assets from 23.5% to 17.8%.
Future Amortization Expense Future amortization expense for intangible assets totals $113M, with $7M expected in the remainder of 2025.
Interest Rate Impact on NII Management expects better pricing on assets and lower funding costs to support NIM, despite potential rate volatility.

同業比較

売上高 (TTM)

First Guaranty Bancshares, Inc.FGBI
$220.51M
-9.9%
Eagle Bancorp Montana, Inc.EBMT
$125.98M
+4.6%
SB Financial Group, Inc.SBFG
$91.03M
+11.9%

粗利益率 (最新四半期)

Eagle Bancorp Montana, Inc.EBMT
74.8%
+6.8pp
Riverview Bancorp, Inc.RVSB
71.6%
+2.7pp
Provident Financial Holdings, Inc.PROV
67.3%
+6.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
EBMT$180.20M11.98.1%3.9%
RBKB$171.09M16.67.7%2.3%
ECBK$159.14M18.74.6%17.7%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.8%
緩やかな成長
4四半期純利益CAGR
0.7%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日
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EPS:-
|
売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月13日|
    売上高: $19.70M+227.7%
    |
    EPS: $0.25-133.3%
    不明
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月12日|
    売上高: $18.36M+6.2%
    |
    EPS: $0.25+175.6%
    不明
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月13日|
    売上高: $18.39M+7.2%
    |
    EPS: $0.21+110.0%
    不明
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月25日|
    売上高: $54.26M-18.3%
    |
    EPS: $-0.80-295.1%
    不明
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月12日|
    売上高: $6.01M-65.0%
    |
    EPS: $-0.75-725.0%
    予想を下回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月8日|
    売上高: $17.29M+6.2%
    |
    EPS: $0.09-30.2%
    予想を下回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $17.16M+7.5%
    |
    EPS: $0.10+42.9%
    不明
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月26日|
    売上高: $66.39M+21.8%
    |
    EPS: $0.41-36.9%
    不明