What is the 13F Pro Quality Score for RBKB?

13F Pro ranks Rhinebeck Bancorp, Inc. (RBKB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View RBKB's current score at https://13fpro.ai/research/RBKB (free sign-up required for the full ranking).

Which hedge funds own the most RBKB stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of RBKB include ALLIANCEBERNSTEIN L.P., VANGUARD CAPITAL MANAGEMENT, BlackRock,. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/RBKB as soon as new 13F filings post.

Where does 13F Pro source RBKB data?

All Rhinebeck Bancorp, Inc. fundamentals and ownership data come directly from SEC EDGAR. Rhinebeck Bancorp, Inc. files with the SEC under CIK 1751783. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is RBKB in?

Rhinebeck Bancorp, Inc. (RBKB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is RBKB research updated on 13F Pro?

RBKB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Rhinebeck Bancorp, Inc.(RBKB)Stock Analysis

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13F Pro Quality Score

57.1/100

Rank #1,070 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

38.2/100

Profitability

98.0/100

Balance Sheet

41.5/100

Earnings Quality

83.3/100

Free Cash Flow

97.8/100

Institutional Flow

41.2/100

Revenue Scale

1.4/100

Dilution Risk

50.1/100

RBKB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Rhinebeck Bancorp, Inc. (RBKB), a Financials sector company. 13F Pro's AI-powered ranking engine scores RBKB at 57.1/100 on a 32-signal composite quality model, placing it at rank #1,070 of 2,879 stocks — the top half of the AI-ranked universe. RBKB scores in the top quartile across profitability (98.0), free cash flow (97.8), earnings quality (83.3). Areas of concern include revenue scale (1.4) and revenue growth (38.2), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), Rhinebeck Bancorp, Inc. reports quarterly revenue of $12.7M, net income of $2.2M, free cash flow of $2.9M. Top institutional holders of RBKB by reported 13-F value include ALLIANCEBERNSTEIN L.P., VANGUARD CAPITAL MANAGEMENT, BlackRock,, based on the most recent SEC filings. RBKB trades on the Nasdaq exchange and files with the SEC under CIK 1751783. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate RBKB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Rhinebeck Bancorp, Inc. directly from SEC EDGAR. Rhinebeck Bancorp, Inc.'s 13F Pro composite quality score has ranged between 37 and 57 since 2024, currently 57.1 — a stable long-term trajectory across 15 quarterly and live scoring snapshots.

✦

Fun facts about Rhinebeck Bancorp, Inc.

Quirks, history, and lore behind RBKB — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · small-cap · listed on Nasdaq · headquartered in New York State.
2
The Numbers
Total assets in the range of $600–700 million — think neighborhood bank, not Wall Street giant — with a handful of branch locations serving a tight regional footprint.
3
The History
Founded in the early 20th century, it spent most of its life as a classic mutual savings bank before converting to stock form and joining the public markets.
4
The Secret
Its business is refreshingly old-fashioned: take deposits, make loans — mostly residential mortgages and small business lending in the Hudson Valley region.
5
The Lore
It operates in one of New York's most scenic corridors, where Hudson Valley charm meets Catskill Mountain country — the kind of place where the bank president probably knows your name.
6
The Giveaway
Named after a small Hudson Valley town in Dutchess County, this bank's ticker and identity are both rooted in Rhinebeck, New York — FDR country.

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Revenue

Q1 2026

$12.7M

Net Income

Q1 2026

$2.2M

Free Cash Flow

Q1 2026

$2.9M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+1.8% YoY

$2.9MFY 2023

FY20 $2.3MFY21 $2.6MFY22 $2.8MFY23 $2.9M

Net Income

-37.2% YoY

$4.4MFY 2023

FY20 $5.9MFY21 $11.6MFY22 $7.0MFY23 $4.4M

EPS (Diluted)

-37.5% YoY

$0.40FY 2023

FY20 $0.55FY21 $1.06FY22 $0.64FY23 $0.40

Total Assets

-1.7% YoY

$1.31BFY 2023

FY20 $1.13BFY21 $1.28BFY22 $1.34BFY23 $1.31B

Op. Cash Flow

-52.4% YoY

$7.0MFY 2023

FY20 $14.8MFY21 $7.7MFY22 $14.8MFY23 $7.0M

Metric	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Revenue	$2.9M +1.8%	$2.8M +9.5%	$2.6M +13.5%	$2.3M -19.4%	$2.8M +0.6%	$2.8M
Net Income	$4.4M -37.2%	$7.0M -39.5%	$11.6M +95.3%	$5.9M -0.8%	$6.0M +36.9%	$4.4M
EPS (Diluted)	$0.40 -37.5%	$0.64 -39.6%	$1.06 +92.7%	$0.55 -1.8%	$0.56	—
Total Assets	$1.31B -1.7%	$1.34B +4.3%	$1.28B +13.5%	$1.13B +15.9%	$973.9M +10.4%	$882.4M
Operating Cash Flow	$7.0M -52.4%	$14.8M +93.3%	$7.7M -48.5%	$14.8M +22.6%	$12.1M +40.7%	$8.6M

AI Insight: RBKB Ratio Trends

Rhinebeck has stabilized profitability after Q3 2024 loss, but returns are drifting lower—ROE fell from 8.5% in Q2 2025 to 6.4% in Q1 2026.

• ROE and ROIC recovered sharply from negative territory in Q3–Q4 2024, reaching 8.5% and 10.8% respectively in Q2 2025.

• Q1 2026 ROE of 6.4% and ROIC of 8.2% mark consecutive quarterly declines from Q2 2025 peaks, signaling deteriorating capital efficiency.

⚠ ROIC has fallen 2.6pp from Q2 2025 high of 10.8%—track whether this signals margin compression or rising cost of capital.

⚠ Q3 2024 collapse (ROE −26.3%, ROA −2.5%) remains unexplained in available data; clarify whether Q1 2026 weakness reflects recurring issues.

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Available Research

13F Pro tracks comprehensive data for Rhinebeck Bancorp, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of RBKB

ALLIANCEBERNSTEIN L.P.
$4.6M386,608 sh
VANGUARD CAPITAL MANAGEMENT LLC
$2.8M184,491 sh
BlackRock, Inc.
$2.6M168,926 sh
GEODE CAPITAL MANAGEMENT, LLC
$1.4M93,609 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$1.2M74,627 sh
Empowered Funds, LLC
$919.4K59,627 sh
STATE STREET CORP
$478.5K31,031 sh
NORTHERN TRUST CORP
$473.0K30,676 sh
DIMENSIONAL FUND ADVISORS LP
$460.6K29,881 sh
VANGUARD FIDUCIARY TRUST CO
$402.5K26,102 sh

Fund	Value	Shares
ALLIANCEBERNSTEIN L.P.	$4.6M	386,608
VANGUARD CAPITAL MANAGEMENT LLC	$2.8M	184,491
BlackRock, Inc.	$2.6M	168,926
GEODE CAPITAL MANAGEMENT, LLC	$1.4M	93,609
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$1.2M	74,627
Empowered Funds, LLC	$919.4K	59,627
STATE STREET CORP	$478.5K	31,031
NORTHERN TRUST CORP	$473.0K	30,676
DIMENSIONAL FUND ADVISORS LP	$460.6K	29,881
VANGUARD FIDUCIARY TRUST CO	$402.5K	26,102

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Is RBKB a good stock to buy?

13F Pro's AI-powered analysis of Rhinebeck Bancorp, Inc. (RBKB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for RBKB are available on the RBKB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own RBKB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling RBKB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Rhinebeck Bancorp, Inc.'s investment landscape.