Rhinebeck Bancorp, Inc. (RBKB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the RBKB SEC filings page.
Rhinebeck Bancorp, Inc. (RBKB) reported $53.5M in revenue over the twelve months to Jun 30, 2026, up 59.6% from the prior twelve months. 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).
2025 restored profitability and equity, but the bank’s earnings remain highly sensitive to interest expense and balance-sheet leverage.
The rebound from a net loss of$8.6M in FY2024 to net income of$10.0M coincided with revenue recovering to$53.4M , indicating that earnings can turn quickly when the income base improves. Interest expense also fell to$22.5M , so the recovery reflects both stronger operating volume and less funding pressure rather than one isolated factor.
The balance sheet became less leveraged as debt-to-equity declined to 8.5x from 9.3x while equity rose to
FY2025 cash conversion broadly matched accounting results: operating cash flow reached
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.
Rhinebeck Bancorp, Inc. earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.7% the prior year. Earnings ranks banks on that return over three years, and Rhinebeck Bancorp, Inc. scores 21/100 among other banks.
Rhinebeck Bancorp, Inc. reported revenue of $53.4M in fiscal year 2025, against $28.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Rhinebeck Bancorp, Inc. scores 61/100 among other banks.
Rhinebeck Bancorp, Inc. funded 10.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $136.9M of equity against $1.3B of assets. Capital ranks banks on that cushion, and Rhinebeck Bancorp, Inc. scores 36/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Rhinebeck Bancorp, Inc. scores 9/100 on it among other banks.
Not available for Rhinebeck Bancorp, Inc., and counted as zero in the overall score.
Rhinebeck Bancorp, Inc. reported net income of $10.0M in fiscal year 2025, against a loss of $8.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Rhinebeck Bancorp, Inc. scores 13/100 among other banks.
Rhinebeck Bancorp, Inc. passes 5 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), both operating efficiency signals pass.
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 $13.4M in revenue in Q2 2026. This represents an increase of 2.1% from the same quarter a year earlier. Against the prior quarter it is up 5.6%.
Rhinebeck Bancorp, Inc. reported $2.6M in net income in Q2 2026. This represents a decrease of 4.0% from the same quarter a year earlier. Against the prior quarter it is up 18.1%.
Rhinebeck Bancorp, Inc. earned $0.24 per diluted share (EPS) in Q2 2026. This represents a decrease of 4.0% from the same quarter a year earlier. Against the prior quarter it is up 20.0%.
Not reported for Q2 2026.
Cash & Balance Sheet
Rhinebeck Bancorp, Inc. generated $5.4M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 139.8% from the same quarter a year earlier. Against the prior quarter it is up 86.9%.
Rhinebeck Bancorp, Inc. held $304.6M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
Rhinebeck Bancorp, Inc.'s net profit margin was 19.6% in Q2 2026, showing the share of revenue converted to profit. This is down 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.1 percentage points.
Rhinebeck Bancorp, Inc.'s ROE was 1.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Rhinebeck Bancorp, Inc. spent $1.6M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is up 624.1%.
Rhinebeck Bancorp, Inc. invested $205K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 12.6% from the same quarter a year earlier. Against the prior quarter it is down 67.8%.
Not reported for Q2 2026.
RBKB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $13.4M+2.1% | $12.7M-1.0% | $13.5M+96.2% | $14.0M+1707.8% | $13.1M+22.9% | $12.8M+22.9% | $6.9M-34.7% | $773K-93.2% |
| SG&A Expenses | $5.5M+5.6% | $5.5M+7.8% | $5.8M+6.3% | $5.5M+8.5% | $5.2M+6.7% | $5.1M+2.8% | $5.4M+18.1% | $5.0M+7.9% |
| Interest Expense | $5.4M+2.2% | $5.4M-3.3% | $5.9M+1.4% | $5.7M-9.7% | $5.3M-20.7% | $5.6M-16.9% | $5.8M-9.8% | $6.3M+7.9% |
| Income Tax | $762K0.0% | $635K-0.6% | $591K+186.5% | $648K+129.0% | $762K+170.2% | $639K+99.1% | -$683K-361.7% | -$2.2M-752.2% |
| Net Income | $2.6M-4.0% | $2.2M-3.1% | $2.3M+188.0% | $2.7M+133.4% | $2.7M+179.6% | $2.3M+104.1% | -$2.7M-385.4% | -$8.1M-752.3% |
| EPS (Basic) | $0.24-4.0% | $0.20-4.8% | $0.22+188.0% | $0.25+133.3% | $0.25+177.8% | $0.21+110.0% | -$0.25-377.8% | -$0.75-725.0% |
| EPS (Diluted) | $0.24-4.0% | $0.20-4.8% | $0.22+188.0% | $0.25+133.3% | $0.25+177.8% | $0.21+110.0% | -$0.25-412.5% | -$0.75-781.8% |
| Diluted Shares (Avg) | 11M0.0% | 11M+0.5% | N/A | 11M+2.1% | 11M+1.2% | 11M+0.7% | N/A | 11M0.0% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
RBKB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B+15.4% | $1.3B+2.3% | $1.3B+3.7% | $1.3B+3.9% | $1.3B-0.1% | $1.3B-3.3% | $1.3B-4.4% | $1.3B-3.7% |
| Cash & Equivalents | $304.6M+239.8% | $112.9M+123.5% | $102.0M+172.1% | $103.5M+123.1% | $89.6M+160.2% | $50.5M+64.7% | $37.5M+69.4% | $46.4M+73.3% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $2.2M0.0% | $2.2M0.0% | $2.2M0.0% | $2.2M0.0% | $2.2M0.0% | $2.2M0.0% | $2.2M0.0% | $2.2M0.0% |
| Total Liabilities | $1.3B+16.2% | $1.1B+1.4% | $1.2B+2.7% | $1.2B+3.5% | $1.1B-1.2% | $1.1B-4.6% | $1.1B-5.5% | $1.1B-5.4% |
| Total Equity | $139.6M+8.3% | $138.6M+10.1% | $136.9M+12.3% | $133.0M+8.4% | $129.0M+11.0% | $126.0M+10.2% | $121.8M+7.2% | $122.7M+15.0% |
| Retained Earnings | $106.0M+9.5% | $104.0M+10.5% | $101.8M+10.9% | $99.5M+5.4% | $96.8M-5.6% | $94.1M-7.3% | $91.8M-8.6% | $94.4M-5.1% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.6M+130.3% | $3.5M-18.4% | $2.8M-22.5% | $2.2M+162.4% | $2.4M-79.7% | $4.3M+223.2% | $3.6M+2136.9% | -$3.6M-245.4% |
| Stock-Based Compensation | N/A | $10K+11.1% | N/A | N/A | N/A | $9K | N/A | N/A |
| Capital Expenditures | $205K+12.6% | $637K+449.1% | $353K-4.3% | $199K+306.1% | $182K+41.1% | $116K-52.5% | $369K+53.8% | $49K-63.4% |
| Free Cash Flow | $5.4M+139.8% | $2.9M-31.3% | $2.4M-24.6% | $2.0M+156.0% | $2.2M-81.0% | $4.2M+212.1% | $3.2M+4112.5% | -$3.6M-255.9% |
| Investing Cash Flow | $2.7M-87.7% | $22.9M+76.4% | $10.5M+454.6% | -$24.6M-182.7% | $22.3M+9.2% | $13.0M-52.9% | -$3.0M-237.7% | $29.8M+526.6% |
| Financing Cash Flow | $183.3M+1176.8% | -$15.5M-264.8% | -$14.7M-54.9% | $36.2M+354.2% | $14.4M+150.1% | -$4.2M+72.6% | -$9.5M-37.2% | -$14.3M+37.1% |
| Share Buybacks | $1.6M | $220K | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Depreciation & Amortization, Dividends Paid.
RBKB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 19.6%-1.3pp | 17.5%-0.4pp | 17.3%+55.8pp | 19.3% | 20.8%+11.7pp | 17.9%+7.1pp | -38.6%-47.4pp | -1043.0% |
| Return on Equity | 1.9%-0.2pp | 1.6%-0.2pp | 1.7%+3.9pp | 2.0%+8.6pp | 2.1%+1.3pp | 1.8%+0.8pp | -2.2%-3.0pp | -6.6%-7.7pp |
| Return on Assets | 0.2%0.0pp | 0.2%0.0pp | 0.2%+0.4pp | 0.2%+0.8pp | 0.2%+0.1pp | 0.2%+0.1pp | -0.2%-0.3pp | -0.6%-0.7pp |
| Debt-to-Equity | 9.53+0.6x | 8.27-0.7x | 8.51-0.8x | 8.89-0.4x | 8.88-1.1x | 8.97-1.4x | 9.31-1.2x | 9.32-2.0x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.000.0x |
| FCF Margin | 40.3%+23.1pp | 22.8%-10.1pp | 17.9%-28.7pp | 14.5% | 17.2% | 32.8%+68.8pp | 46.6%+47.4pp | -468.9% |
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.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Rhinebeck Bancorp, Inc. RBKB | FY2025 | $53.4M | $10.0M | 18.8% | $201.1M | 23/100 |
| Richmond Mutual Bancorporation, Inc. RMBI | FY2025 | $48.9M | $11.6M | 23.7% | $245.7M | 36/100 |
| Eagle Bancorp Montana, Inc EBMT | FY2025 | $91.6M | $14.8M | 16.2% | $164.2M | 26/100 |
| Landmark Bancorp Inc LARK | FY2025 | $70.6M | $19K | 0.0% | $190.1M | 34/100 |
| BCB Bancorp Inc (NJ) BCBP | FY2025 | $101.6M | -$12.5M | -12.3% | $253.1M | 19/100 |
| First Capital Inc FCAP | FY2025 | $50.6M | $16.4M | 32.3% | $209.7M | 52/100 |
Where Rhinebeck Bancorp, Inc. Ranks
Frequently Asked Questions
What is Rhinebeck Bancorp, Inc.'s annual revenue?
Rhinebeck Bancorp, Inc. (RBKB) reported $53.4M in total revenue for fiscal year 2025. This represents a 85.9% 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 grew by 85.9% year-over-year, from $28.7M to $53.4M 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 18.8%.
What is Rhinebeck Bancorp, Inc.'s net profit margin?
Rhinebeck Bancorp, Inc. (RBKB) had a net profit margin of 18.8% 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.
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 P/E ratio?
Rhinebeck Bancorp, Inc. (RBKB) trades at 20.4x earnings, its market capitalization divided by net income of $9.9M net income, trailing 12 months to June 30, 2026. The market capitalization is $201.1M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Rhinebeck Bancorp, Inc.'s price-to-sales ratio?
Rhinebeck Bancorp, Inc. (RBKB) trades at 3.8x sales, its market capitalization divided by revenue of $53.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $201.1M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Rhinebeck Bancorp, Inc.'s Piotroski F-Score?
Rhinebeck Bancorp, Inc. (RBKB) has a Piotroski F-Score of 5 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.