Rhinebeck Bancorp Inc Financials
Rhinebeck Bancorp Inc (RBKB) reported $3.0M in revenue for fiscal year 2025, down 0.6% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Rhinebeck’s earnings are being driven more by balance-sheet funding costs and liquidity shifts than by top-line growth.
From FY2024 to FY2025, reported revenue was nearly unchanged, yet net income swung from-$8.6M to$10.0M as interest expense fell from$25.5M to$22.5M . That points to a recovery driven more by a lighter funding burden and balance-sheet mix than by new top-line momentum.
The business kept producing operating cash even in the FY2024 loss year, with cash from operations at
Balance-sheet liquidity improved sharply as cash rose to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Rhinebeck Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Rhinebeck Bancorp Inc, and counted as zero in the overall score.
Rhinebeck Bancorp Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Rhinebeck Bancorp Inc generates $1.17 in operating cash flow ($11.7M OCF vs $10.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Rhinebeck Bancorp Inc generated $3.0M in revenue in fiscal year 2025. This represents a decrease of 0.6% from the prior year.
Rhinebeck Bancorp Inc reported $10.0M in net income in fiscal year 2025. This represents an increase of 216.5% from the prior year.
Rhinebeck Bancorp Inc earned $0.92 per diluted share (EPS) in fiscal year 2025. This represents an increase of 215.0% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Rhinebeck Bancorp Inc generated $10.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 41.9% from the prior year.
Rhinebeck Bancorp Inc held $102.0M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
Rhinebeck Bancorp Inc's ROE was 7.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 14.4 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Rhinebeck Bancorp Inc spent $95K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Rhinebeck Bancorp Inc invested $850K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 7.5% from the prior year.
Not reported for fiscal year 2025.
RBKB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.0M | $3.0M-0.6% | $3.0M+4.2% | $2.9M+1.8% | $2.8M+9.5% | $2.6M+13.5% | $2.3M-19.4% | $2.8M+0.6% | $2.8M+16.6% | $2.4M |
| SG&A Expenses | $22.3M | $21.6M+6.1% | $20.4M+4.7% | $19.5M-9.9% | $21.6M+7.4% | $20.1M+19.7% | $16.8M+7.5% | $15.6M+8.9% | $14.4M+6.1% | $13.5M |
| Interest Expense | $22.4M | $22.5M-11.9% | $25.5M+12.5% | $22.7M+235.9% | $6.8M+57.6% | $4.3M-46.5% | $8.0M-8.2% | $8.7M+64.3% | $5.3M+61.2% | $3.3M |
| Income Tax | $2.6M | $2.6M+213.9% | -$2.3M-290.1% | $1.2M-35.8% | $1.9M-44.7% | $3.4M+120.2% | $1.6M+2.0% | $1.5M+50.8% | $1.0M-71.8% | $3.6M |
| Net Income | $9.9M | $10.0M+216.5% | -$8.6M-296.1% | $4.4M-37.2% | $7.0M-39.5% | $11.6M+95.3% | $5.9M-0.8% | $6.0M+36.9% | $4.4M+45.1% | $3.0M |
| EPS (Diluted) | — | $0.92+215.0% | -$0.80-300.0% | $0.40-37.5% | $0.64-39.6% | $1.06+92.7% | $0.55-1.8% | $0.56 | N/A | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
RBKB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.3B+3.7% | $1.3B-4.4% | $1.3B-1.7% | $1.3B+4.3% | $1.3B+13.5% | $1.1B+15.9% | $973.9M+10.4% | $882.4M+18.9% | $742.1M |
| Cash & Equivalents | $102.0M+172.1% | $37.5M+69.4% | $22.1M-29.5% | $31.4M-56.5% | $72.1M-22.9% | $93.5M+680.5% | $12.0M-76.3% | $50.6M+383.7% | $10.5M |
| Goodwill | $2.2M0.0% | $2.2M0.0% | $2.2M0.0% | $2.2M0.0% | $2.2M+58.5% | $1.4M0.0% | $1.4M0.0% | $1.4M-6.3% | $1.5M |
| Total Liabilities | $1.2B+2.7% | $1.1B-5.5% | $1.2B-2.3% | $1.2B+6.3% | $1.2B+14.1% | $1.0B+17.2% | $864.1M+5.0% | $823.1M+19.8% | $687.1M |
| Total Equity | $136.9M+12.3% | $121.8M+7.2% | $113.7M+5.1% | $108.1M-14.2% | $126.0M+8.1% | $116.5M+6.0% | $109.9M+85.4% | $59.3M+7.8% | $55.0M |
| Retained Earnings | $101.8M+10.9% | $91.8M-8.6% | $100.4M+3.9% | $96.6M+7.8% | $89.6M+14.8% | $78.1M+8.2% | $72.2M+9.0% | $66.2M+7.0% | $61.8M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
RBKB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.1M | $11.7M+38.6% | $8.5M+20.2% | $7.0M-52.4% | $14.8M+93.3% | $7.7M-48.5% | $14.8M+22.6% | $12.1M+40.7% | $8.6M+59.8% | $5.4M |
| Capital Expenditures | $1.4M | $850K+7.5% | $791K+36.9% | $578K-48.9% | $1.1M-36.2% | $1.8M-5.0% | $1.9M-27.9% | $2.6M+125.9% | $1.1M+64.4% | $697K |
| Free Cash Flow | $12.7M | $10.9M+41.9% | $7.7M+18.7% | $6.5M-52.6% | $13.7M+132.4% | $5.9M-54.7% | $13.0M+36.3% | $9.5M+27.6% | $7.5M+59.1% | $4.7M |
| Investing Cash Flow | $11.5M | $21.2M-71.7% | $74.7M+408.4% | $14.7M+111.9% | -$123.6M+8.9% | -$135.7M-83.1% | -$74.1M+43.9% | -$132.1M-26.9% | -$104.1M-334.4% | -$24.0M |
| Financing Cash Flow | $189.3M | $31.6M+146.6% | -$67.9M-118.9% | -$31.0M-145.5% | $68.1M-36.2% | $106.7M-24.2% | $140.8M+73.0% | $81.4M-40.0% | $135.6M+744.5% | $16.1M |
| Share Buybacks | N/A | $95K | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
RBKB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 336.6% | -287.1% | 152.6% | 247.3% | 447.3% | 260.0% | 211.2% | 155.3% | 124.8% |
| Return on Equity | 7.3%+14.4pp | -7.1%-10.9pp | 3.9%-2.6pp | 6.5%-2.7pp | 9.2%+4.1pp | 5.1%-0.4pp | 5.4%-1.9pp | 7.3%+1.9pp | 5.5% |
| Return on Assets | 0.8%+1.5pp | -0.7%-1.0pp | 0.3%-0.2pp | 0.5%-0.4pp | 0.9%+0.4pp | 0.5%-0.1pp | 0.6%+0.1pp | 0.5%+0.1pp | 0.4% |
| Debt-to-Equity | 8.51-0.8x | 9.31-1.2x | 10.55-0.8x | 11.36+2.2x | 9.17+0.5x | 8.69+0.8x | 7.86-6.0x | 13.89+1.4x | 12.50 |
| FCF Margin | 365.1% | 255.8% | 224.7% | 483.0% | 227.5% | 570.2% | 337.2% | 265.9% | 194.9% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Rhinebeck Bancorp Inc Ranks
Frequently Asked Questions
What is Rhinebeck Bancorp Inc's annual revenue?
Rhinebeck Bancorp Inc (RBKB) reported $3.0M in total revenue for fiscal year 2025. This represents a -0.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Rhinebeck Bancorp Inc's revenue growing?
Rhinebeck Bancorp Inc (RBKB) revenue declined by 0.6% year-over-year, from $3.0M to $3.0M in fiscal year 2025.
Is Rhinebeck Bancorp Inc profitable?
Yes, Rhinebeck Bancorp Inc (RBKB) reported a net income of $10.0M in fiscal year 2025.
What is Rhinebeck Bancorp Inc's return on equity (ROE)?
Rhinebeck Bancorp Inc (RBKB) has a return on equity of 7.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Rhinebeck Bancorp Inc's free cash flow?
Rhinebeck Bancorp Inc (RBKB) generated $10.9M in free cash flow during fiscal year 2025. This represents a 41.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Rhinebeck Bancorp Inc's operating cash flow?
Rhinebeck Bancorp Inc (RBKB) generated $11.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Rhinebeck Bancorp Inc's total assets?
Rhinebeck Bancorp Inc (RBKB) had $1.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Rhinebeck Bancorp Inc's capital expenditures?
Rhinebeck Bancorp Inc (RBKB) invested $850K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Rhinebeck Bancorp Inc's debt-to-equity ratio?
Rhinebeck Bancorp Inc (RBKB) had a debt-to-equity ratio of 8.51 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Rhinebeck Bancorp Inc's return on assets (ROA)?
Rhinebeck Bancorp Inc (RBKB) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Rhinebeck Bancorp Inc's Piotroski F-Score?
Rhinebeck Bancorp Inc (RBKB) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Rhinebeck Bancorp Inc's earnings high quality?
Rhinebeck Bancorp Inc (RBKB) has an earnings quality ratio of 1.17x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Rhinebeck Bancorp Inc?
Rhinebeck Bancorp Inc (RBKB) scores 23 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.