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

$175.66M

PER (TTM)

17.0

14.6

配当利回り

52週高値

$16.50

52週安値

$9.31

52週レンジ

90%

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)

FGBI

$220.51M

-9.9%

EBMT

$125.98M

+4.6%

SBFG

$91.15M

+12.0%

粗利益率 (最新四半期)

EBMT

74.8%

+6.8pp

RVSB

71.6%

+2.7pp

SBFG

70.9%

+3.1pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
RBKB	$175.66M	17.0	7.7%	2.3%
EBMT	$167.27M	11.1	8.1%	3.9%
ECBK	$149.72M	17.5	4.6%	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

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし