RBKB Rhinebeck Bancorp, Inc.

NEUTRAL Impact: 5/10 EFFECT
Horizon days Filed May 15, 2026 Processed 29d 2h ago SEC 9999999995-26-001643
IPO/offering going effective
Latest settled — T+5d ⚠ clustered
RBKB ▼ -3.31% at T+5d
NEUTRAL call ✗ call lost -3.31% · α vs SPY -4.27% · entry $16.03 → $15.50
Next anchor: T+20d tomorrow
Currently $16.71 · +4.24% from $16.03 entry
Entry anchored
May 15, 2026
via day open
T+1d
-1.00%
call -1.00% · α -0.94%
$15.87
settled 26d ago
T+5d
-3.31%
call -3.31% · α -4.27%
$15.50
settled 22d ago
T+20d
call — · α —
tomorrow
T+60d
call — · α —
in 8w

Price Chart

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Executive Summary

Rhinebeck Bancorp's S-1 registration statement (File No. 333-294283) was declared effective by the SEC on May 14, 2026. This clears the way for the company's second-step mutual-to-stock conversion offering of up to 8,912,500 shares at $10.00 per share, expected to raise net proceeds of $63M-$86M to strengthen capital and improve liquidity.

Actionable Insight

Pricing of the offering is expected within 1-2 business days. Monitor for the final prospectus (424B4) and trading commencement. The offering at $10.00 could act as a near-term price anchor, though dilution from up to 8.9M new shares may pressure the stock.

Key Facts

  • SEC declared effectiveness on May 14, 2026 for S-1 registration (333-294283).
  • Offering up to 8,912,500 shares at $10.00 per share in second-step mutual-to-stock conversion.
  • Expected net proceeds between $63.0M and $86.0M, with at least 50% contributed to Rhinebeck Bank.
  • Company reported $10.045M net income for 2025 and $1.302B in assets.

Financial Impact

Up to $89.125M gross proceeds at $10.00/share; net proceeds $63M-$86M.

equitysharesOutstandingcapital ratios

Risk Factors

  • Dilution from share issuance; potential near-term price weakness as shares enter the market.
  • Conversion success depends on shareholder participation and market conditions.

Market Snapshot

Exchange
Nasdaq
Sector
Savings Institutions, Not Federally Chartered

Documents Analyzed

This report is based on 3 SEC documents filed with EDGAR.

DocumentAccession Number
EFFECT Filing (Primary)9999999995-26-001643
Document: 9999999995-26-001643-index.html9999999995-26-001643
Document: 9999999995-26-001643.txt9999999995-26-001643
7 reports for RBKB
Performance horizon

Track record builds as more directional reports settle.

Filters
Rows
Reports for RBKB — sortable, filterable
Type Now
May 26, 2026
17d ago
8-K
BEARISH ★ 6/10
$15.40 $16.37▼ −6.30%▼ −5.21%$16.71 (−8.51%)
May 15, 2026
29d ago
EFFECT
NEUTRAL ★ 5/10
$16.03 $15.50▼ −3.31%▼ −4.27%$16.71 (+4.24%)
May 14, 2026
29d ago
8-K
NEUTRAL ★ 3/10
$16.03 $15.50▼ −3.31%▼ −4.27%$16.71 (+4.24%)
May 11, 2026
4w ago
S-1/A
NEUTRAL ★ 5/10
$16.06 $15.87▼ −1.18%▼ −1.10%$16.71 (+4.05%)
Apr 24, 2026
7w ago
S-1/A
NEUTRAL ★ 5/10
$16.05 $16.09▲ +0.25%▼ −0.15%$16.71 (+4.11%)
Apr 23, 2026
7w ago
8-K
NEUTRAL ★ 4/10
$16.49 $16.34▼ −0.91%▼ −1.82%$16.71 (+1.33%)
Mar 13, 2026
13w ago
S-1
NEUTRAL ★ 5/10
$15.31 $15.57▲ +1.70%▲ +3.74%$16.71 (+9.14%)
Showing 7 of 7

US Market Status

Market Closed — Opens Mon (48h 51m)

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