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) Data as of Mar 31, 2026 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).

Rhea AI RBKB FY2025 2026-05-14

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 $8.5M before improving to $11.7M in FY2025, so the accounting loss did not coincide with cash burn. Because capital spending was only $850K in FY2025, most of that cash remained available instead of being consumed by heavy physical reinvestment.

Balance-sheet liquidity improved sharply as cash rose to $102.0M from $37.5M in FY2024, which matters in a business where assets are far larger than annual revenue. Even after that rebuild, liabilities of $1.16B against equity of $136.9M still leave shareholder results highly sensitive to relatively small changes in asset returns.

Financial Health Signals

Financial Health Score 22/100

Scored as: Banks peer group

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.

Earnings

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

4/6

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.

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	$21.6M+6.1%	$20.4M+4.7%	$19.5M-9.9%	$21.6M+7.4%	$20.1M+19.7%	$16.8M
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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$764K+2.7%	$744K+0.7%	$739K+1.5%	$728K-5.8%	$773K+3.1%	$750K-3.0%	$773K+5.0%	$736K
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	$5.5M-4.1%	$5.8M+5.4%	$5.5M+4.3%	$5.2M+2.1%	$5.1M-5.4%	$5.4M+7.6%	$5.0M+2.7%	$4.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.4M-8.1%	$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
Income Tax	$635K+7.4%	$591K-8.8%	$648K-15.0%	$762K+19.2%	$639K+193.6%	-$683K+69.5%	-$2.2M-893.3%	$282K
Net Income	$2.2M-5.1%	$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
EPS (Diluted)	$0.20	N/A	$0.250.0%	$0.25+19.0%	$0.21	N/A	$-0.75-933.3%	$0.09

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.3B-1.3%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$112.9M+10.7%	$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
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	$1.1B-1.6%	$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
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	$138.6M+1.3%	$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
Retained Earnings	$104.0M+2.1%	$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

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$3.5M+26.9%	$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
Capital Expenditures	$637K+80.5%	$353K+77.4%	$199K+9.3%	$182K+56.9%	$116K-68.6%	$369K+653.1%	$49K-62.0%	$129K
Free Cash Flow	$2.9M+19.1%	$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
Investing Cash Flow	$22.9M+118.0%	$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
Financing Cash Flow	-$15.5M-4.9%	-$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
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$220K	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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	290.1%-23.9pp	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%
Return on Equity	1.6%-0.1pp	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%
Return on Assets	0.2%-0.0pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.27-0.2	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
FCF Margin	377.2%+52.1pp	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%

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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 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 22 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.