What is Rhinebeck Bancorp Inc's earnings per share (EPS)?

Rhinebeck Bancorp Inc (RBKB) reported diluted earnings per share of $0.92 for fiscal year 2025. This represents a 215.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Rhinebeck Bancorp Inc Financials

RBKB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Rhinebeck Bancorp Inc (RBKB) financial statements, including the 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).

Financial Health Signals

Financial Profile 40/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Rhinebeck Bancorp Inc's revenue declined 0.6% year-over-year, from $3.0M to $3.0M. This contraction results in a growth score of 32/100.

Leverage

Rhinebeck Bancorp Inc has elevated debt relative to equity (D/E of 8.51), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Rhinebeck Bancorp Inc converts 365.1% of revenue into free cash flow ($10.9M). This strong cash generation earns a score of 100/100.

Returns

Rhinebeck Bancorp Inc generates a 7.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 27/100. This is up from -7.1% the prior year.

Piotroski F-Score Neutral

4/9

Rhinebeck Bancorp Inc passes 4 of 9 financial strength tests. 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.

Earnings Quality Cash-Backed

1.17x

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

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Earnings & Revenue

Revenue

$3.0M

YoY-0.6%

5Y CAGR+5.6%

Rhinebeck Bancorp Inc generated $3.0M in revenue in fiscal year 2025. This represents a decrease of 0.6% from the prior year.

EBITDA

N/A

Net Income

$10.0M

YoY+216.5%

5Y CAGR+11.2%

Rhinebeck Bancorp Inc reported $10.0M in net income in fiscal year 2025. This represents an increase of 216.5% from the prior year.

EPS (Diluted)

$0.92

YoY+215.0%

5Y CAGR+10.8%

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.

Cash & Balance Sheet

Free Cash Flow

$10.9M

YoY+41.9%

5Y CAGR-3.4%

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.

Cash & Debt

$102.0M

YoY+172.1%

5Y CAGR+1.8%

Rhinebeck Bancorp Inc held $102.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

11M

YoY+0.4%

5Y CAGR-0.3%

Rhinebeck Bancorp Inc had 11M shares outstanding in fiscal year 2025. This represents an increase of 0.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

336.6%

YoY+623.8pp

5Y CAGR+76.7pp

Rhinebeck Bancorp Inc's net profit margin was 336.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 623.8 percentage points from the prior year.

Return on Equity

7.3%

YoY+14.4pp

5Y CAGR+2.3pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$95K

Rhinebeck Bancorp Inc spent $95K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$850K

YoY+7.5%

5Y CAGR-14.6%

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.

RBKB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$3.0M-0.6%	$3.0M+4.2%	$2.9M+1.8%	$2.8M+9.5%	$2.6M+13.5%	$2.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$22.5M-11.9%	$25.5M+12.5%	$22.7M+235.9%	$6.8M+57.6%	$4.3M-46.5%	$8.0M
Income Tax	$2.6M+213.9%	-$2.3M-290.1%	$1.2M-35.8%	$1.9M-44.7%	$3.4M+120.2%	$1.6M
Net Income	$10.0M+216.5%	-$8.6M-296.1%	$4.4M-37.2%	$7.0M-39.5%	$11.6M+95.3%	$5.9M
EPS (Diluted)	$0.92+215.0%	$-0.80-300.0%	$0.40-37.5%	$0.64-39.6%	$1.06+92.7%	$0.55

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$744K+0.7%	$739K+1.5%	$728K-5.8%	$773K+3.1%	$750K-3.0%	$773K+5.0%	$736K-0.9%	$743K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.9M+2.9%	$5.7M+8.8%	$5.3M-6.0%	$5.6M-3.6%	$5.8M-8.4%	$6.3M-4.5%	$6.6M-1.5%	$6.7M
Income Tax	$591K-8.8%	$648K-15.0%	$762K+19.2%	$639K+193.6%	-$683K+69.5%	-$2.2M-893.3%	$282K-12.1%	$321K
Net Income	$2.3M-13.3%	$2.7M-1.1%	$2.7M+19.1%	$2.3M+186.2%	-$2.7M+67.1%	-$8.1M-926.9%	$975K-13.0%	$1.1M
EPS (Diluted)	N/A	$0.250.0%	$0.25+19.0%	$0.21	N/A	$-0.75-933.3%	$0.09-10.0%	$0.10

RBKB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.3B+3.7%	$1.3B-4.4%	$1.3B-1.7%	$1.3B+4.3%	$1.3B+13.5%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$102.0M+172.1%	$37.5M+69.4%	$22.1M-29.5%	$31.4M-56.5%	$72.1M-22.9%	$93.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M+58.5%	$1.4M
Total Liabilities	$1.2B+2.7%	$1.1B-5.5%	$1.2B-2.3%	$1.2B+6.3%	$1.2B+14.1%	$1.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$136.9M+12.3%	$121.8M+7.2%	$113.7M+5.1%	$108.1M-14.2%	$126.0M+8.1%	$116.5M
Retained Earnings	$101.8M+10.9%	$91.8M-8.6%	$100.4M+3.9%	$96.6M+7.8%	$89.6M+14.8%	$78.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.3B-1.1%	$1.3B+3.3%	$1.3B+1.5%	$1.3B0.0%	$1.3B-0.8%	$1.3B-0.8%	$1.3B-1.8%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$102.0M-1.4%	$103.5M+15.4%	$89.6M+77.4%	$50.5M+34.8%	$37.5M-19.2%	$46.4M+34.7%	$34.4M+12.3%	$30.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M0.0%	$2.2M
Total Liabilities	$1.2B-1.5%	$1.2B+3.3%	$1.1B+1.4%	$1.1B-0.4%	$1.1B-0.8%	$1.1B-1.4%	$1.2B-2.1%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$136.9M+2.9%	$133.0M+3.1%	$129.0M+2.4%	$126.0M+3.4%	$121.8M-0.7%	$122.7M+5.6%	$116.2M+1.7%	$114.3M
Retained Earnings	$101.8M+2.3%	$99.5M+2.8%	$96.8M+2.9%	$94.1M+2.5%	$91.8M-2.8%	$94.4M-7.9%	$102.5M+1.0%	$101.5M

RBKB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$11.7M+38.6%	$8.5M+20.2%	$7.0M-52.4%	$14.8M+93.3%	$7.7M-48.5%	$14.8M
Capital Expenditures	$850K+7.5%	$791K+36.9%	$578K-48.9%	$1.1M-36.2%	$1.8M-5.0%	$1.9M
Free Cash Flow	$10.9M+41.9%	$7.7M+18.7%	$6.5M-52.6%	$13.7M+132.4%	$5.9M-54.7%	$13.0M
Investing Cash Flow	$21.2M-71.7%	$74.7M+408.4%	$14.7M+111.9%	-$123.6M+8.9%	-$135.7M-83.1%	-$74.1M
Financing Cash Flow	$31.6M+146.6%	-$67.9M-118.9%	-$31.0M-145.5%	$68.1M-36.2%	$106.7M-24.2%	$140.8M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$95K	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$2.8M+24.3%	$2.2M-8.2%	$2.4M-43.7%	$4.3M+20.5%	$3.6M+200.1%	-$3.6M-129.9%	$12.0M+441.9%	-$3.5M
Capital Expenditures	$353K+77.4%	$199K+9.3%	$182K+56.9%	$116K-68.6%	$369K+653.1%	$49K-62.0%	$129K-47.1%	$244K
Free Cash Flow	$2.4M+19.1%	$2.0M-9.6%	$2.2M-46.5%	$4.2M+30.7%	$3.2M+188.6%	-$3.6M-130.6%	$11.8M+416.2%	-$3.7M
Investing Cash Flow	$10.5M+142.6%	-$24.6M-210.3%	$22.3M+72.2%	$13.0M+538.2%	-$3.0M-109.9%	$29.8M+45.7%	$20.4M-25.7%	$27.5M
Financing Cash Flow	-$14.7M-140.7%	$36.2M+152.3%	$14.4M+438.6%	-$4.2M+55.4%	-$9.5M+33.2%	-$14.3M+50.2%	-$28.6M-85.3%	-$15.5M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

RBKB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	336.6%+623.8pp	-287.1%-439.7pp	152.6%-94.7pp	247.3%-200.0pp	447.3%+187.3pp	260.0%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.51-0.8	9.31-1.2	10.55-0.8	11.36+2.2	9.17+0.5	8.69
FCF Margin	365.1%+109.3pp	255.8%+31.1pp	224.7%-258.3pp	483.0%+255.5pp	227.5%-342.7pp	570.2%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	314.0%-50.7pp	364.7%-9.8pp	374.4%+78.5pp	296.0%+649.9pp	-353.9%+689.1pp	-1043.0%-1175.4pp	132.5%-18.4pp	150.9%
Return on Equity	1.7%-0.3pp	2.0%-0.1pp	2.1%+0.3pp	1.8%+4.0pp	-2.2%+4.4pp	-6.6%-7.4pp	0.8%-0.1pp	1.0%
Return on Assets	0.2%-0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%+0.4pp	-0.2%+0.4pp	-0.6%-0.7pp	0.1%0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.51-0.4	8.89+0.0	8.88-0.1	8.97-0.3	9.31-0.0	9.32-0.7	9.98-0.4	10.37
FCF Margin	325.1%+50.3pp	274.8%-33.7pp	308.5%-234.4pp	543.0%+114.9pp	428.0%+897.0pp	-468.9%-2077.4pp	1608.4%+2112.3pp	-503.9%

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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, with a net profit margin of 336.6%.

What is Rhinebeck Bancorp Inc's net profit margin?

Rhinebeck Bancorp Inc (RBKB) had a net profit margin of 336.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

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.

Does Rhinebeck Bancorp Inc buy back shares?

Yes, Rhinebeck Bancorp Inc (RBKB) spent $95K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Rhinebeck Bancorp Inc have outstanding?

Rhinebeck Bancorp Inc (RBKB) had 11M shares outstanding as of fiscal year 2025.

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 9, indicating neutral financial health. 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 7–9 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 40 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.