Rhinebeck Bancorp Inc
RBKBFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 12:19 PM ET
Price
RBKB against its 20, 50 and 200-day averages1.6% under the 52-week high of 13.39 on 9 Nov 2026. 52-week low 6.80 on 13 Nov 2025. Last 15 sessions, 5.3% high to low
Profile
RBKBRhinebeck Bancorp, Inc. operates as a bank holding company, which engages in the provision of banking services. It operates through the following segments: Commercial Real Estate, Residential Real Estate, Commercial and Industrial, and Consumer. The Commercial Estate segment is involved in construction, non-residential, and multi-family. The Residential Real Estate Segment focuses on borrower's residential real estate generally in a first lien position. The Commercial and Industrial segment includes loans made for purposes of financing the activities of commercial customers. The Consumer segment engages in indirect automobile loans, home equity loans, and other consumer loans. The company was founded on August 30, 2018 and is headquartered in Poughkeepsie, NY.
| Index | RUT |
|---|---|
| Employees | 158 |
| IPO | Jan 17, 2019 |
| Beta | 0.18 |
| ATR, 14d | 0.20 |
| Rel volume | 0.16 |
| Short float | 5.69% |
| Insider own | 60.49% |
| Inst own | 21.56% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 206.08M |
| Enterprise Value | - |
| Income | 10.32M |
| Sales | 76.94M |
| Book/sh | 14.12 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | - |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 158 |
| IPO | Jan 17, 2019 |
Ratios
| P/E | 19.54 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.68 |
| P/B | 0.93 |
| P/C | - |
| P/FCF | 16.20 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.80 |
| Debt/Eq | 0.05 |
| LT Debt/Eq | 0.05 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 0.67 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 12.97% 10.72% |
| Sales past 3/5Y | 11.62% 7.62% |
| EPS Y/Y TTM | 103.97% |
| Sales Y/Y TTM | 9.53% |
| EPS Q/Q | 17.82% |
| Sales Q/Q | 5.26% |
| Earnings | Oct 29 AMC |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 60.49% |
|---|---|
| Insider Trans | 0.59% |
| Inst Own | 21.56% |
| Inst Trans | -4.82% |
| ROA | 0.73% |
| ROE | 5.83% |
| ROIC | 4.45% |
| Gross Margin | - |
| Oper. Margin | 17.08% |
| Profit Margin | 13.41% |
| SMA20 | 1.76% |
| SMA50 | 1.98% |
| SMA200 | 11.00% |
| Trades | - |
Technical
| Shs Outstand | 15.64M |
|---|---|
| Shs Float | 6.18M |
| Short Float | 5.69% |
| Short Ratio | 3.15 |
| Short Interest | 0.35M |
| 52W High | 13.39 -1.57% |
| 52W Low | 6.80 93.72% |
| Volatility | 1.96% 1.48% |
| ATR (14) | 0.20 |
| RSI (14) | 60.45 |
| Beta | 0.18 |
| Rel Volume | 0.16 |
| Avg Volume | 111.70K |
| Volume | 8,087 |
Performance
| Perf Week | 1.15% |
|---|---|
| Perf Month | 2.37% |
| Perf Quarter | 3.53% |
| Perf Half Y | 16.60% |
| Perf YTD | 53.27% |
| Perf Year | 88.18% |
| Perf 3Y | 184.31% |
| Perf 5Y | 70.35% |
| Perf 10Y | - |
| Recom | - |
| Target Price | - |
| Prev Close | 13.26 |
| Price | 13.18 |
| Change % | -0.60% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| GCBC | Greene Bancorp Inc | 611.35M |
| PBFS | Pioneer Bancorp Inc | 456.47M |
| OBT | Orange County Bancorp Inc | 532.62M |
| HNVR | Hanover Bancorp Inc | 153.02M |
| LSBK | Lake Shore Bancorp Inc | 146.27M |
| CHMG | Chemung Financial Corp | 415.00M |
| NECB | NorthEast Community Bancorp Inc | 398.93M |
| PDLB | Ponce Financial Group Inc | 531.54M |
| MGYR | Magyar Bancorp Inc | 140.15M |
| BSBK | Bogota Financial Corp | 117.37M |
Insider trading
9 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Vitale Michael | EVP, Head of Comm Banking | Aug 06 '26 | Buy | 12.35 | 4,834 | 59,700 | 22,414 | Aug 06 02:36 PM |
| Loughlin Suzanne | Director | Jul 22 '26 | Buy | 11.93 | 12,500 | 149,120 | 46,828 | Jul 23 04:24 PM |
| Vitale Michael | EVP, Head of Comm Banking | Jul 22 '26 | Buy | 11.94 | 5,000 | 59,700 | 17,580 | Jul 23 04:23 PM |
| Patzwahl Nancy Koskey | Director | Jul 22 '26 | Buy | 11.94 | 25,000 | 298,500 | 27,270 | Jul 23 04:22 PM |
| Smith Matthew James | President & CEO | Jul 22 '26 | Buy | 12.00 | 12,425 | 149,088 | 36,251 | Jul 23 04:21 PM |
| Bronzi Philip J | 1st SVP, Com Mkt Pres | May 19 '26 | Sale | 15.91 | 4,162 | 66,238 | 0 | May 21 01:44 PM |
| Lekanides Phillip | SVP, Chief Accounting Officer | May 04 '26 | Option Exercise | 6.57 | 500 | 3,285 | 2,305 | May 05 03:15 PM |
| Bronzi Philip J | 1st SVP, Com Mkt Pres | Apr 28 '26 | Option Exercise | 6.57 | 7,000 | 45,990 | 7,000 | Apr 30 04:20 PM |
| Bronzi Philip J | Chief Lending Officer | Dec 03 '25 | Sale | 11.08 | 5,046 | 55,919 | 0 | Dec 04 11:47 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | - |
| VTWV | Vanguard Russell 2000 Value Index ETF | AUM: 1.29B |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | - |
News
latest 14 of 82- Rhinebeck Bank Appoints Jeff Nowicki as Chief Digital Banking Officer to Advance Digital Banking and Deposit Growth Strategy (ACCESSWIRE)
- Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended September 30, 2026 (ACCESSWIRE)
- Rhinebeck Bank Opens Rye Brook Branch to Advance Westchester Expansion (ACCESSWIRE)
- Rhinebeck Bank Expands Capital Region Commercial Banking Team with Appointment of Timothy Kensky (ACCESSWIRE)
- Rhinebeck Bank Appoints Travis Podolec as New Senior Vice President, Commercial Lender in Orange County (ACCESSWIRE)
- Loading…
- Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2026 and Completes Second-Step Conversion (ACCESSWIRE)
- Rhinebeck Bancorp, Inc. Announces Completion of Conversion and Offering (ACCESSWIRE)
- Rhinebeck Bancorp, Inc. Announces Subscription Offering Results and Expected Closing Date (ACCESSWIRE)
- Rhinebeck Bank Expands Commercial Banking Presence With New Westchester County Office (ACCESSWIRE)
- Rhinebeck Bancorp, Inc. Announces Stockholder and Depositor Approvals of Pending Conversion Transaction (ACCESSWIRE)
- Rhinebeck Bancorp, Inc. Announces Commencement of Stock Offering (ACCESSWIRE)
- Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2026 (ACCESSWIRE)
- Rhinebeck Bank Appoints Michael Vitale as Executive Vice President, Head of Commercial Banking (ACCESSWIRE)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-23 | - | - | 0.144 | - | - | - |
| 2025Q4 | 2026-01-29 | - | - | 0.153 | - | - | - |
| 2025Q3 | 2025-10-28 | - | - | 0.176 | - | - | - |
| 2025Q2 | 2025-07-24 | - | - | 0.178 | - | - | - |
| 2025Q1 | 2025-04-24 | - | - | 0.150 | - | - | - |
| 2024Q4 | 2025-01-30 | - | - | -0.176 | - | - | - |
| 2024Q3 | 2024-10-24 | - | - | -0.536 | - | - | - |
| 2024Q2 | 2024-07-25 | - | - | 0.065 | - | - | - |
| 2024Q1 | 2024-04-25 | - | - | 0.074 | - | - | - |
| 2023Q4 | 2024-01-25 | - | - | 0.062 | - | - | - |
| 2023Q3 | 2023-10-26 | - | - | 0.082 | - | - | - |
| 2023Q2 | 2023-07-27 | - | - | 0.094 | - | - | - |
| 2023Q1 | 2023-04-27 | - | - | 0.052 | - | - | - |
| 2022Q4 | 2023-01-26 | - | - | 0.052 | - | - | - |
| 2022Q3 | 2022-10-27 | - | - | 0.137 | - | - | - |
| 2022Q2 | 2022-07-28 | - | - | 0.132 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.193 | 0.28 | 0.398 | 0.394 | 0.755 | 0.455 | 0.29 | -0.573 | 0.656 | 0.6745 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | -0.536 | -0.176 | 0.15 | 0.178 | 0.176 | 0.153 | 0.144 | 0.171 | 0.207 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 34.424 | 39.006 | 46.769 | 52.531 | 51.099 | 54.526 | 66.39 | 54.256 | 75.835 | 76.94 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 6.012 | 13.795 | 18.389 | 18.357 | 19.699 | 19.39 | 18.07 | 18.741 | 20.735 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 15.562 | 15.562 | 15.562 | 15.562 | 15.79 | 15.774 | 15.477 | 15.508 | 15.573 | 15.636 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 15.498 | 15.508 | 15.508 | 15.523 | 15.579 | 15.573 | 15.59 | 15.059 | 15.636 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 69.99 | 68.87 | 63.22 | 60.66 | 48.59 | 43.70 | 44.40 | 40.99 | 33.73 |
| Total Interest Expense | 22.33 | 22.48 | 25.53 | 22.69 | 6.76 | 4.29 | 8.02 | 8.74 | 5.32 |
| Net Interest Income | 47.66 | 46.39 | 37.70 | 37.97 | 41.84 | 39.41 | 36.38 | 32.25 | 28.41 |
| Loan Loss Provision | 1.34 | 1.66 | 2.80 | 1.70 | 1.41 | -3.67 | 7.14 | 2.46 | 2.10 |
| Net Interest Income After Loan Loss Provision | 46.32 | 44.73 | 34.90 | 36.26 | 40.42 | 43.08 | 29.24 | 29.79 | 26.31 |
| Non-Interest Income | 6.94 | 6.96 | -8.97 | 5.73 | 5.93 | 7.40 | 8.14 | 5.78 | 5.28 |
| Non-Interest Expense | 40.13 | 39.02 | 36.85 | 36.05 | 37.42 | 35.51 | 29.91 | 28.08 | 26.14 |
| Operating Income | 13.14 | 12.68 | -10.92 | 5.94 | 8.93 | 14.97 | 7.46 | 7.49 | 5.45 |
| Unusual Expense | - | 0.00 | 0.00 | 0.38 | 0.00 | 0.00 | 0.00 | 0.00 | 0.10 |
| Net Income Before Taxes | 13.15 | 12.69 | -10.94 | 5.61 | 8.90 | 14.99 | 7.48 | 7.49 | 5.37 |
| Income Taxes | 2.83 | 2.64 | -2.32 | 1.22 | 1.90 | 3.43 | 1.56 | 1.53 | 1.01 |
| Consolidated Net Income | 10.32 | 10.04 | -8.62 | 4.39 | 7.00 | 11.56 | 5.92 | 5.96 | 4.36 |
| Net Income From Continuing Operations | 10.32 | 10.04 | -8.62 | 4.39 | 7.00 | 11.56 | 5.92 | 5.96 | 4.36 |
| Net Income | 10.32 | 10.04 | -8.62 | 4.39 | 7.00 | 11.56 | 5.92 | 5.96 | 4.36 |
| EPS (Recurring) | 0.68 | 0.66 | -0.57 | 0.31 | 0.45 | 0.75 | 0.39 | 0.40 | 0.28 |
| EPS (Basic, Before Extraordinaries) | 0.68 | 0.67 | -0.57 | 0.29 | 0.46 | 0.77 | 0.39 | 0.40 | 0.28 |
| EPS (Diluted) | 0.67 | 0.66 | -0.57 | 0.29 | 0.45 | 0.75 | 0.39 | 0.40 | 0.28 |
| Non-Operating Income (Expense) | 0.01 | 0.01 | -0.02 | 0.05 | -0.04 | 0.02 | 0.01 | 0.00 | 0.02 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.22 | 0.16 | 0.31 | 0.49 | 0.45 | 0.28 | 0.18 | - |
| Price To Earnings Ratio | 19.66 | 19.66 | - | 20.53 | 10.92 | 10.08 | 15.52 | 20.31 | 22.53 |
| Price To Sales Ratio | 2.51 | 1.74 | 1.92 | 1.32 | 1.84 | 2.29 | 1.75 | 2.59 | - |
| Operating Margin | 17.08 | 16.72 | -20.12 | 8.95 | 16.38 | 29.30 | 14.21 | 16.02 | 13.97 |
| Net Margin | 13.41 | 13.25 | -15.89 | 6.62 | 12.83 | 22.62 | 11.26 | 12.75 | 11.17 |
| Shares Outstanding | 15.64 | 15.57 | 15.51 | 15.48 | 15.77 | 15.79 | 15.56 | 15.56 | 15.56 |
| Market Capitalization | 207.33 | 207.33 | 107.29 | 89.13 | 102.80 | 120.42 | 95.19 | 125.92 | 125.92 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 18.65 | 17.01 | 16.61 | 17.72 | 17.76 | 16.75 | 16.64 | 16.31 |
| Total Interest Expense | 5.64 | 5.38 | 5.42 | 5.89 | 5.72 | 5.26 | 5.60 | 5.81 |
| Net Interest Income | 13.01 | 11.63 | 11.19 | 11.83 | 12.04 | 11.49 | 11.04 | 10.50 |
| Loan Loss Provision | 0.78 | -0.01 | 0.07 | 0.50 | 0.90 | -0.10 | 0.35 | 1.38 |
| Net Interest Income After Loan Loss Provision | 12.23 | 11.64 | 11.12 | 11.33 | 11.13 | 11.59 | 10.68 | 9.12 |
| Non-Interest Income | 2.09 | 1.73 | 1.46 | 1.67 | 1.94 | 1.60 | 1.75 | -2.51 |
| Non-Interest Expense | 10.31 | 10.01 | 9.74 | 10.08 | 9.73 | 9.71 | 9.51 | 9.94 |
| Operating Income | 4.01 | 3.36 | 2.84 | 2.92 | 3.34 | 3.49 | 2.93 | -3.34 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 3.99 | 3.38 | 2.85 | 2.93 | 3.34 | 3.49 | 2.93 | -3.34 |
| Income Taxes | 0.84 | 0.76 | 0.64 | 0.59 | 0.65 | 0.76 | 0.64 | -0.68 |
| Consolidated Net Income | 3.15 | 2.62 | 2.22 | 2.34 | 2.69 | 2.73 | 2.29 | -2.65 |
| Net Income From Continuing Operations | 3.15 | 2.62 | 2.22 | 2.34 | 2.69 | 2.73 | 2.29 | -2.65 |
| Net Income | 3.15 | 2.62 | 2.22 | 2.34 | 2.69 | 2.73 | 2.29 | -2.65 |
| EPS (Recurring) | 0.21 | 0.17 | 0.14 | 0.15 | 0.18 | 0.18 | 0.15 | -0.18 |
| EPS (Basic, Before Extraordinaries) | 0.21 | 0.17 | 0.15 | 0.15 | 0.18 | 0.18 | 0.15 | -0.18 |
| EPS (Diluted) | 0.21 | 0.17 | 0.14 | 0.15 | 0.18 | 0.18 | 0.15 | -0.18 |
| Non-Operating Income (Expense) | -0.02 | 0.01 | 0.01 | 0.01 | -0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.05 | 0.01 | 0.20 | 0.01 | 0.01 | 0.01 | 0.12 |
| Price To Earnings Ratio | 19.66 | 19.25 | 16.96 | 13.11 | 24.84 | - | - | - |
| Price To Sales Ratio | 2.51 | 2.50 | 2.24 | 1.74 | 1.78 | 2.27 | 1.94 | 1.92 |
| Operating Margin | 19.35 | 17.94 | 15.74 | 15.04 | 16.98 | 19.00 | 15.92 | -24.19 |
| Net Margin | 15.20 | 13.96 | 12.26 | 12.05 | 13.68 | 14.85 | 12.44 | -19.24 |
| Shares Outstanding | 15.64 | 15.06 | 15.59 | 15.57 | 15.58 | 15.52 | 15.51 | 15.51 |
| Market Capitalization | 207.33 | 186.49 | 171.98 | 133.92 | 126.61 | 130.27 | 109.17 | 107.29 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 16.92 | 18.56 | 14.18 | 13.29 | 72.09 | 93.48 | 11.98 | 50.59 | 10.46 |
| Investments | 256.43 | 189.29 | 211.79 | 248.59 | 282.25 | 105.72 | 118.27 | 103.19 | 116.32 |
| Net Loans | 953.38 | 971.78 | 1,008.85 | 994.37 | 854.97 | 873.81 | 793.47 | 678.40 | 566.18 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | 0.00 | 0.03 | - | 0.00 | 0.14 | 1.42 | 1.69 | 2.23 |
| Net Property, Plant & Equipment | 19.67 | 21.41 | 23.87 | 25.62 | 27.02 | 25.13 | 18.34 | 17.04 | 17.02 |
| Interest Receivables | 5.00 | 4.59 | 4.75 | 4.31 | 3.38 | 3.82 | 2.90 | 2.52 | 2.15 |
| Deferred Tax Assets | 7.57 | 10.73 | 12.84 | 13.32 | 6.28 | 6.48 | 5.83 | 6.46 | 6.01 |
| Other Intangible Assets | 45.43 | 42.02 | 39.80 | 39.67 | 38.11 | 23.02 | 25.32 | 26.05 | 24.71 |
| Total Assets | 1,304.39 | 1,258.38 | 1,316.10 | 1,339.17 | 1,284.09 | 1,131.61 | 977.52 | 885.94 | 745.09 |
| Total Deposits | 1,097.34 | 1,020.78 | 1,030.50 | 1,129.93 | 1,102.00 | 929.36 | 773.34 | 684.42 | 650.11 |
| Total Debt | 36.45 | 82.31 | 139.53 | 69.77 | 31.04 | 62.12 | 78.16 | 41.75 | 20.05 |
| Long Term Debt | 34.15 | 35.86 | 58.76 | 17.74 | 13.42 | 28.85 | 41.22 | 41.75 | 5.55 |
| Provision for Risks Charges | 2.35 | 1.51 | 0.45 | 0.23 | 0.22 | 1.33 | 0.33 | 0.78 | 1.61 |
| Deferred Tax Liabilities | 2.63 | 2.61 | 2.90 | 3.19 | 2.93 | 2.78 | 3.57 | 3.52 | 2.99 |
| Other Liabilities | 28.77 | 29.33 | 29.04 | 27.91 | 21.95 | 19.52 | 12.24 | 96.19 | 15.36 |
| Total Liabilities | 1,167.54 | 1,136.55 | 1,202.42 | 1,231.04 | 1,158.12 | 1,015.11 | 867.63 | 826.67 | 690.11 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 136.85 | 121.83 | 113.69 | 108.13 | 125.97 | 116.50 | 109.88 | 59.28 | 54.98 |
| Total Shareholders Equity | 136.85 | 121.83 | 113.69 | 108.13 | 125.97 | 116.50 | 109.88 | 59.28 | 54.98 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 136.85 | 121.83 | 113.69 | 108.13 | 125.97 | 116.50 | 109.88 | 59.28 | 54.98 |
| Total Liabilities & Stockholders Equity | 1,304.39 | 1,258.38 | 1,316.10 | 1,339.17 | 1,284.09 | 1,131.61 | 977.52 | 885.94 | 745.09 |
| Book Value Per Share | 8.79 | 7.86 | 7.35 | 6.86 | 7.98 | 7.49 | 7.06 | 3.81 | 3.53 |
| Tangible Book Value Per Share | 8.64 | 7.70 | 7.18 | 6.69 | 7.81 | 7.38 | 6.95 | 3.70 | 3.42 |
| Tier 1 Capital | 139.17 | 126.67 | 136.29 | 131.31 | 122.66 | 110.72 | 103.84 | 64.60 | - |
| Tier 2 Capital | 8.51 | 8.78 | 8.38 | 7.94 | 7.56 | 10.89 | 5.95 | 6.65 | - |
| Full-Time Employees | 158 | 168 | 164 | 192 | 202 | 176 | 173 | 166 | 186 |
| Price to Book Ratio | 0.94 | 0.88 | 0.84 | 0.96 | 0.96 | 0.82 | 1.15 | 1.16 | - |
| Return on Assets | 0.78 | -0.67 | 0.33 | 0.53 | 0.96 | 0.56 | 0.64 | 0.53 | 0.41 |
| Return on Equity | 7.77 | -7.32 | 3.96 | 5.98 | 9.53 | 5.23 | 7.05 | 7.63 | 5.59 |
| Return on Invested Capital | 5.87 | -5.47 | 2.55 | 5.56 | 8.29 | 4.07 | 3.95 | 4.31 | 4.96 |
| Current Ratio | 0.11 | 0.07 | 0.03 | 0.04 | 0.08 | 0.16 | 0.03 | 0.14 | 0.04 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 14.24 | 8.16 | 7.40 | 9.84 | 8.65 | 9.27 | 9.20 | 7.55 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -2.50 | -0.60 | 0.19 | 0.39 | -2.35 | 1.85 | 2.47 | -0.74 |
| Cash from Operating Activities | - | 11.74 | 7.56 | 7.59 | 10.23 | 6.30 | 11.12 | 11.67 | 6.82 |
| Capital Expenditures | - | -0.87 | -0.81 | -0.60 | -1.16 | -11.80 | -1.91 | -2.63 | -1.19 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.04 | 2.89 | 0.00 | 0.00 | 32.77 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 3.25 | 35.72 | 34.04 | 24.00 | -182.25 | 16.45 | -10.55 | 13.38 |
| Purchase of Investments | - | -48.99 | -71.43 | -0.03 | -30.22 | -244.63 | -39.44 | -41.09 | -3.88 |
| Sale Or Maturity of Investments | - | 52.24 | 107.15 | 34.07 | 54.22 | 62.38 | 55.89 | 30.54 | 17.27 |
| Federal Home Loan Advances Increase (Decrease) | - | 2.00 | 2.55 | -3.26 | -1.94 | 1.47 | 0.65 | -1.55 | -0.78 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 1.02 | 0.67 | 0.00 | 0.34 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 21.16 | 75.65 | 14.16 | -119.04 | -134.38 | -70.39 | -131.64 | -102.28 |
| Cash Dividends Paid | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -0.10 | 0.00 | -1.46 | -0.11 | -0.09 | 0.00 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | - | -0.10 | 0.00 | -1.46 | -0.11 | -0.12 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -44.62 | -58.29 | 70.34 | 39.68 | -32.63 | -15.63 | 29.71 | 21.70 |
| Change in Long Term Debt | - | 0.22 | -24.74 | 41.61 | 5.18 | -16.77 | -11.33 | 16.50 | 12.87 |
| Issuance of Long Term Debt | - | 0.22 | 0.00 | 41.61 | 5.18 | 0.00 | 0.00 | 16.50 | 12.87 |
| Reduction of Long Term Debt | - | 0.00 | -24.74 | 0.00 | 0.00 | -16.77 | -11.33 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | -0.24 | 0.15 | -0.46 | 0.00 | 0.00 | 0.00 | -37.65 | 79.14 |
| Other Financing Activities Uses | - | -0.24 | 0.00 | -0.46 | - | 0.00 | 0.00 | -47.47 | 0.00 |
| Cash from Financing Activities | - | 31.60 | -67.86 | -31.00 | 68.11 | 106.69 | 140.78 | 81.36 | 135.59 |
| Net Change in Cash | - | 64.50 | 15.36 | -9.26 | -40.71 | -21.39 | 81.51 | -38.61 | 40.13 |
| Free Cash Flow | - | 10.89 | 6.77 | 7.01 | 9.10 | 4.53 | 9.25 | 9.08 | 5.67 |
| Price to Free Cash Flow | - | 12.09 | 15.36 | 12.46 | 11.02 | 25.79 | 9.93 | 13.34 | - |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 24.99 | 20.97 | 17.59 | 16.92 | 14.36 | 21.63 |
| Investments | 459.16 | 461.63 | 258.77 | 256.43 | 248.13 | 218.81 |
| Net Loans | 944.48 | 918.48 | 936.75 | 953.38 | 977.63 | 960.80 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 13.20 | 19.19 | 19.54 | 19.67 | 20.67 | 20.83 |
| Interest Receivables | 5.49 | 4.71 | 4.83 | 5.00 | 5.00 | 4.64 |
| Deferred Tax Assets | 5.32 | 4.62 | 4.55 | 7.57 | 5.77 | 6.63 |
| Other Intangible Assets | 58.57 | 40.45 | 42.83 | 45.43 | 44.44 | 40.91 |
| Total Assets | 1,511.21 | 1,470.05 | 1,284.87 | 1,304.39 | 1,316.01 | 1,274.25 |
| Total Deposits | 1,244.38 | 1,282.97 | 1,103.49 | 1,097.34 | 1,115.83 | 1,070.81 |
| Total Debt | 10.90 | 16.36 | 16.48 | 36.45 | 38.79 | 38.91 |
| Long Term Debt | 10.90 | 12.68 | 14.32 | 34.15 | 35.92 | 37.08 |
| Provision for Risks Charges | - | 2.33 | 2.39 | 2.35 | 1.22 | 0.73 |
| Deferred Tax Liabilities | - | - | - | 2.63 | - | - |
| Other Liabilities | 35.08 | 28.79 | 23.87 | 28.77 | 27.17 | 34.84 |
| Total Liabilities | 1,290.37 | 1,330.45 | 1,146.22 | 1,167.54 | 1,183.01 | 1,145.29 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 220.84 | 139.60 | 138.64 | 136.85 | 133.00 | 128.96 |
| Total Shareholders Equity | 220.84 | 139.60 | 138.64 | 136.85 | 133.00 | 128.96 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 220.84 | 139.60 | 138.64 | 136.85 | 133.00 | 128.96 |
| Total Liabilities & Stockholders Equity | 1,511.21 | 1,470.05 | 1,284.87 | 1,304.39 | 1,316.01 | 1,274.25 |
| Book Value Per Share | 14.12 | 9.27 | 8.89 | 8.79 | 8.54 | 8.31 |
| Tangible Book Value Per Share | 13.98 | 9.12 | 8.74 | 8.64 | 8.39 | 8.16 |
| Tier 1 Capital | - | 145.22 | - | 139.17 | 137.12 | 133.70 |
| Tier 2 Capital | - | 7.92 | - | 8.51 | 8.37 | 8.43 |
| Full-Time Employees | - | - | - | 158 | - | - |
| Price to Book Ratio | 0.94 | 1.34 | 1.24 | 0.98 | 0.95 | 1.01 |
| Return on Assets | 0.73 | 0.72 | 0.79 | 0.78 | 0.39 | -0.45 |
| Return on Equity | 5.83 | 7.35 | 7.54 | 7.77 | 3.95 | -4.65 |
| Return on Invested Capital | 1.36 | 1.72 | 1.45 | 1.37 | 1.60 | 1.64 |
| Current Ratio | 0.80 | 0.32 | 0.12 | 0.11 | 0.12 | 0.11 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 2.81 | 2.95 | 4.10 | 4.54 | 2.44 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 2.78 | 0.57 | -1.33 | -2.31 | 0.02 |
| Cash from Operating Activities | - | 5.59 | 3.52 | 2.77 | 2.23 | 2.47 |
| Capital Expenditures | - | -0.20 | -0.64 | -0.35 | -0.22 | -0.18 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.13 | 0.45 | 0.03 | 0.02 | 0.00 |
| Purchase or Sale of Investments | - | -15.36 | 5.60 | -12.43 | -6.30 | 4.54 |
| Purchase of Investments | - | -21.43 | -0.99 | -25.70 | -20.67 | -2.00 |
| Sale Or Maturity of Investments | - | 6.07 | 6.59 | 13.27 | 14.37 | 6.54 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 2.75 | 22.87 | 10.49 | -24.61 | 22.28 |
| Cash Dividends Paid | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 154.54 | -0.11 | -0.10 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | - | -1.59 | -0.22 | -0.10 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 156.13 | 0.11 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 156.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 0.00 | -20.00 | -1.45 | 0.00 | -27.27 |
| Change in Long Term Debt | - | -1.71 | -20.00 | -1.61 | 0.00 | 1.83 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | -1.61 | 0.00 | 1.83 |
| Reduction of Long Term Debt | - | -1.71 | -20.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | 5.32 | -1.51 | 5.29 | -8.80 | 3.26 |
| Other Financing Activities Uses | - | - | -1.51 | 5.29 | -5.47 | -0.06 |
| Cash from Financing Activities | - | 183.32 | -15.47 | -14.74 | 36.22 | 14.36 |
| Net Change in Cash | - | 191.66 | 10.92 | -1.48 | 13.84 | 39.10 |
| Free Cash Flow | - | 5.39 | 2.88 | 2.42 | 2.03 | 2.28 |
| Price to Free Cash Flow | - | 14.91 | 17.61 | 12.09 | 10.97 | 21.98 |
Revenue breakdown
| Savings Institutions, Not Federally Chartered | 2024: 3.00M 2025: 2.98M |
|---|---|
| United States | 2024: 3.00M 2025: 2.98M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 5.69% | 0.4M | 6.2M | 120.90K |
| 2026-10-15 | 5.71% | 0.4M | 6.2M | 152.70K |
| 2026-09-30 | 5.87% | 0.4M | 6.2M | 147.16K |
| 2026-09-15 | 4.51% | 0.3M | 6.2M | 131.20K |
| 2026-08-31 | 4.91% | 0.3M | 6.2M | 115.36K |
| 2026-08-14 | 3.65% | 0.2M | 6.2M | 101.15K |
| 2026-07-31 | 3.17% | 0.2M | 6.2M | 81.22K |
| 2026-07-15 | 4.31% | 0.3M | 6.3M | 33.39K |
| 2026-06-30 | 4.02% | 0.3M | 6.3M | 30.24K |
| 2026-06-15 | 1.92% | 0.1M | 6.3M | 17.81K |
| 2026-05-29 | 1.72% | 0.1M | 6.3M | 15.94K |
| 2026-05-15 | 1.65% | 0.1M | 6.4M | 16.12K |
| 2026-04-30 | 1.63% | 0.1M | 6.3M | 19.24K |
| 2026-04-15 | 1.74% | 0.1M | 6.3M | 18.21K |
| 2026-03-31 | 1.89% | 0.1M | 6.3M | 18.80K |
| 2026-03-13 | 1.79% | 0.1M | 6.3M | 16.04K |
| 2026-02-27 | 1.81% | 0.1M | 6.3M | 17.22K |
| 2026-02-13 | 1.90% | 0.1M | 6.3M | 16.02K |
| 2026-01-30 | 1.74% | 0.1M | 6.3M | 11.40K |
| 2026-01-15 | 1.74% | 0.1M | 6.3M | 12.19K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-10-29 | 8-K | Current report | 2026-10-29 | SEC |
| 2026-10-28 | SCHEDULE 13G/A | SEC | ||
| 2026-10-06 | 8-K | Current report | 2026-10-01 | SEC |
| 2026-08-18 | 8-K | Current report | 2026-08-18 | SEC |
| 2026-08-14 | 8-K | Current report | 2026-05-19 | SEC |
| 2026-08-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-11 | SCHEDULE 13G/A | SEC | ||
| 2026-08-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-06 | SEC |
| 2026-07-23 | 8-K | Current report | 2026-07-23 | SEC |
| 2026-07-23 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-22 | SEC |
| 2026-07-23 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-22 | SEC |
| 2026-07-23 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-22 | SEC |
| 2026-07-23 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-22 | SEC |
| 2026-07-21 | 8-K | Current report | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-17 | 8-K | Current report | 2026-07-17 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 59.70K | 1 | 0 | 0 |
| 2026-07 | 656.41K | 4 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 66.24K | 1 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 55.92K | 1 |
| 2025-11 | 9.67K | 1 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | 4.22% |
| M3F, Inc. | 3.88% |
| ALLIANCEBERNSTEIN L.P. | 3.33% |
| BlackRock, Inc. | 2.31% |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | 1.59% |
| GEODE CAPITAL MANAGEMENT, LLC | 1.58% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 0.67% |
| Empowered Funds, LLC | 0.53% |
| RENAISSANCE TECHNOLOGIES LLC | 0.39% |
| VANGUARD FIDUCIARY TRUST CO | 0.34% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 3.71% |
| iShares Russell 2000 ETF | 0.98% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.53% |
| Fidelity Small Cap Index Fund | 0.44% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.42% |
| iShares Russell 2000 Value ETF | 0.37% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.24% |
| Fidelity Extended Market Index Fund | 0.18% |
| iShares Micro-Cap ETF | 0.14% |
| Omni Small-Cap Value Fund | 0.13% |
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