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Rhinebeck Bancorp (RBKB) Risk Analysis

Public companies are required to disclose risks that can affect the business and impact the stock. These disclosures are known as “Risk Factors”. Companies disclose these risks in their yearly (Form 10-K), quarterly earnings (Form 10-Q), or “foreign private issuer” reports (Form 20-F). Risk factors show the challenges a company faces. Investors can consider the worst-case scenarios before making an investment. TipRanks’ Risk Analysis categorizes risks based on proprietary classification algorithms and machine learning. Rhinebeck Bancorp disclosed 40 risk factors in its most recent earnings report. Rhinebeck Bancorp reported the most risks in the “Finance & Corporate” category.

Risk Overview Q2, 2026

Source: the company's latest filing for the period ended Jun 30, 2026, filed Aug 13, 2026

Risk Distribution
40Risks
Sector Avg.Finance & CorporateTech & InnovationLegal & RegulatoryProductionAbility to SellMacro & Political
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Risk Change Over Time

Rhinebeck Bancorp disclosed risks per quarterNo. of Risks2530354045Q3Q4Q12023Q2Q3Q4Q12024Q2Q3Q12026Q2Showing: Q2, 2026
Risks removedRisks addedRisks changedRhinebeck Bancorp Risk Factors
  • Share Price & Shareholder Rights - Risk 1
    Item 2. Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities

    In September 2022, the Board approved a stock repurchase plan pursuant to which the Company is authorized to repurchase up to 247,506 shares of its common stock, of which no shares remained available for repurchase as of June 30, 2026. In July 2025, the Board approved a stock repurchase plan pursuant to which the Company is authorized to repurchase up to 540,000 shares of its common stock, of which 463,457 shares remain available for repurchase. However, the Company is not permitted to repurchase its shares for one year following the completion of its second-step conversion, which was completed on July 21, 2026. The following table provides information regarding repurchases of the Company's common stock during the quarter ended June 30, 2026: ??????????Period?Total Number of Shares?Average Price Paid per share?Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs?Maximum Number of Shares that May Yet Be Purchased Under the Plans or ProgramsApril 1 - 30, 2026? 1,900?$ 16.29? 1,900? 560,495May 1 - 31, 2026? 97,038?$ 16.09? 97,038? 463,457June 1 - 30, 2026? -?? -? -? 463,457Total? 98,938?$ 16.09? 98,938? 463,457 There were no sales of unregistered securities during the quarter ended June 30, 2026.

  • Debt & Financing - Risk 2
    Item 3. Defaults Upon Senior Securities

    None.

Read and Evaluate the RiskReserved for Ultimate MembersUpgrade
Legal & Regulatory (1)
Production (1)

Risk Highlights Q2, 2026

Main Risk Category
Finance & Corporate
With 17 Risks
Number of Disclosed Risks
40
No changes from last report
S&P 500 Average: 32
Recent Changes
4Risks added
0Risks removed
0Risks changed
Since Jun 2026
Number of Risk Changed
0
No changes from last report
S&P 500 Average: 1

Risk Word Cloud

lawmakers' failure to address the federal debt ceiling in a timely manner, downgrades of the u.s. credit rating and uncertain credit and financial market conditions may affect the stability of securities issued or guaranteed by the federal government, which may affect the valuation or liquidity of our investment securities portfolio and increase future borrowing costs.stability of securities issuedregulations relating to privacy, information security and data protection could increase our costs, affect or limit how we collect and use personal information and adversely affect our business opportunities.adversely affect our business opportunitieschanges in the valuation of our securities portfolio may reduce our profits and our capital levels.valuation of our securities portfoliosystems failures or breaches of our network security could subject us to increased operating costs as well as litigation and other liabilities.breaches of our network securityour emphasis on commercial real estate and commercial business lending involves risks that could adversely affect our financial condition and results of operations.commercial business lending involves riskswhile our board of directors takes an active role in cybersecurity risk tolerance, we rely to a large degree on management and outside consultants in overseeing cybersecurity risk management.our board of directors takesour cost of operations is high relative to our assets. our failure to maintain or reduce our operating expenses may reduce our profits.high relative to our assetswe are subject to environmental liability risk associated with lending activities.subject to environmental liability riskchanges in laws and regulations and the cost of regulatory compliance with new laws and regulations may adversely affect our operations and/or increase our costs of operations.increase our costs of operationsour emphasis on commercial real estate and commercial business lending involves risks that could adversely affect our financial condition and results of operations.adversely affect our financial condition

Risk Factors Full Breakdown - Total Risks 40

Share Price & Shareholder Rights3 | 7.5%
  • Share Price & Shareholder Rights - Risk 1Added
    Item 2. Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities

    In September 2022, the Board approved a stock repurchase plan pursuant to which the Company is authorized to repurchase up to 247,506 shares of its common stock, of which no shares remained available for repurchase as of June 30, 2026. In July 2025, the Board approved a stock repurchase plan pursuant to which the Company is authorized to repurchase up to 540,000 shares of its common stock, of which 463,457 shares remain available for repurchase. However, the Company is not permitted to repurchase its shares for one year following the completion of its second-step conversion, which was completed on July 21, 2026. The following table provides information regarding repurchases of the Company's common stock during the quarter ended June 30, 2026: ??????????Period?Total Number of Shares?Average Price Paid per share?Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs?Maximum Number of Shares that May Yet Be Purchased Under the Plans or ProgramsApril 1 - 30, 2026? 1,900?$ 16.29? 1,900? 560,495May 1 - 31, 2026? 97,038?$ 16.09? 97,038? 463,457June 1 - 30, 2026? -?? -? -? 463,457Total? 98,938?$ 16.09? 98,938? 463,457 There were no sales of unregistered securities during the quarter ended June 30, 2026.

  • Share Price & Shareholder Rights - Risk 2
    Our common stock is not heavily traded, and the stock price may fluctuate significantly.

    Our common stock is traded on the Nasdaq Capital Market (ticker symbol "RBKB"), but the volume of shares traded is relatively low. Prices on stock that is not heavily traded, such as our common stock, can be more volatile than heavily traded stock. Factors such as our financial results, the introduction of new products and services by us or our competitors, publicity regarding the banking industry, and various other factors affecting the banking industry may have a significant impact on the market price of the shares of our common stock. Management also cannot predict the extent to which an active public market for our common stock will develop or be sustained in the future. Accordingly, stockholders may not be able to sell their shares of our common stock at the volumes, prices, or times that they desire.

  • Share Price & Shareholder Rights - Risk 3
    The Company's Articles of Incorporation and Bylaws and Maryland law may discourage a corporate takeover.

    The Company's Articles of Incorporation and Bylaws contain certain provisions designed to enhance the ability of the Company's board of directors to deal with attempts to acquire control of the Company, including a classified board, the ability to classify and reclassify unissued shares of stock of any class or series of stock by setting, fixing, eliminating, or altering in any one or more respects the preferences, rights, voting powers, restrictions and qualifications of, dividends on, and redemption, conversion, exchange, and other rights of, such securities and a requirement for any stockholder who desires to nominate a director to abide by strict notice requirements. Maryland law also contains anti-takeover provisions that apply to the Company. The Maryland Business Combination Act generally prohibits, subject to certain limited exceptions, corporations from being involved in any "business combination" (defined in the Act) with any "interested shareholder" for a period of five years following the most recent date on which the interested shareholder became an interested shareholder. The Maryland Control Share Acquisition Act applies to acquisitions of "control shares," which, subject to certain exceptions, are shares the acquisition of which entitle the holder, directly or indirectly, to exercise or direct the exercise of the voting power of shares of stock of a corporation in the election of directors. Control shares have limited voting rights. Although these provisions do not preclude a takeover, they may have the effect of discouraging, delaying or deferring a tender offer or takeover attempt that a stockholder might consider in their best interest, including those attempts that might result in a premium over the market price for the common stock. Such provisions will also render the removal of the Company's board of directors and of management more difficult and, therefore, may serve to perpetuate current management. These provisions could potentially adversely affect the market prices of the Company's securities.

Accounting & Financial Operations3 | 7.5%
Debt & Financing8 | 20.0%
Corporate Activity and Growth3 | 7.5%

See a full breakdown of risk according to category and subcategory. The list starts with the category with the most risk. Click on subcategories to read relevant extracts from the most recent report.

FAQ

What are “Risk Factors”?
Risk factors are any situations or occurrences that could make investing in a company risky. The Securities and Exchange Commission (SEC) requires that publicly traded companies disclose their most significant risk factors. This is so that potential investors can consider any risks before they make an investment. They also offer companies protection, as a company can use risk factors as liability protection. This could happen if a company underperforms and investors take legal action as a result. It is worth noting that smaller companies, that is those with a public float of under $75 million on the last business day, do not have to include risk factors in their 10-K and 10-Q forms, although some may choose to do so.
How do companies disclose their risk factors?
Publicly traded companies initially disclose their risk factors to the SEC through their S-1 filings as part of the IPO process. Additionally, companies must provide a complete list of risk factors in their Annual Reports (Form 10-K) or (Form 20-F) for “foreign private issuers”. Quarterly Reports also include a section on risk factors (Form 10-Q) where companies are only required to update any changes since the previous report. According to the SEC, risk factors should be reported concisely, logically and in “plain English” so investors can understand them.
How can I use TipRanks risk factors in my stock research?
Use the Risk Factors tab to get data about the risk factors of any company in which you are considering investing. You can easily see the most significant risks a company is facing. Additionally, you can find out which risk factors a company has added, removed or adjusted since its previous disclosure. You can also see how a company’s risk factors compare to others in its sector. Without reading company reports or participating in conference calls, you would most likely not have access to this sort of information, which is usually not included in press releases or other public announcements. A simplified analysis of risk factors is unique to TipRanks.
What are all the risk factor categories?
TipRanks has identified 6 major categories of risk factors and a number of subcategories for each. You can see how these categories are broken down in the list below. 1. Financial & Corporate Accounting & Financial Operations - risks related to accounting loss, value of intangible assets, financial statements, value of intangible assets, financial reporting, estimates, guidance, company profitability, dividends, fluctuating results. Share Price & Shareholder Rights – risks related to things that impact share prices and the rights of shareholders, including analyst ratings, major shareholder activity, trade volatility, liquidity of shares, anti-takeover provisions, international listing, dual listing. Debt & Financing – risks related to debt, funding, financing and interest rates, financial investments. Corporate Activity and Growth – risks related to restructuring, M&As, joint ventures, execution of corporate strategy, strategic alliances. 2. Legal & Regulatory Litigation and Legal Liabilities – risks related to litigation/ lawsuits against the company. Regulation – risks related to compliance, GDPR, and new legislation. Environmental / Social – risks related to environmental regulation and to data privacy. Taxation & Government Incentives – risks related to taxation and changes in government incentives. 3. Production Costs – risks related to costs of production including commodity prices, future contracts, inventory. Supply Chain – risks related to the company’s suppliers. Manufacturing – risks related to the company’s manufacturing process including product quality and product recalls. Human Capital – risks related to recruitment, training and retention of key employees, employee relationships & unions labor disputes, pension, and post retirement benefits, medical, health and welfare benefits, employee misconduct, employee litigation. 4. Technology & Innovation Innovation / R&D – risks related to innovation and new product development. Technology – risks related to the company’s reliance on technology. Cyber Security – risks related to securing the company’s digital assets and from cyber attacks. Trade Secrets & Patents – risks related to the company’s ability to protect its intellectual property and to infringement claims against the company as well as piracy and unlicensed copying. 5. Ability to Sell Demand – risks related to the demand of the company’s goods and services including seasonality, reliance on key customers. Competition – risks related to the company’s competition including substitutes. Sales & Marketing – risks related to sales, marketing, and distribution channels, pricing, and market penetration. Brand & Reputation – risks related to the company’s brand and reputation. 6. Macro & Political Economy & Political Environment – risks related to changes in economic and political conditions. Natural and Human Disruptions – risks related to catastrophes, floods, storms, terror, earthquakes, coronavirus pandemic/COVID-19. International Operations – risks related to the global nature of the company. Capital Markets – risks related to exchange rates and trade, cryptocurrency.