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Financials · RBKB

Rhinebeck Bancorp Inc. (RBKB) financials

For the twelve months ended Jun 30, 2026, Rhinebeck Bancorp Inc. reported $53.52M of revenue and $9.86M of net income.

Revenue, TTM
$53.52M
Revenue growth, YoY
+54.5%
Net income, TTM
$9.86M
Net margin
18.4%
Free cash flow, TTM
$12.72M
EPS, diluted, TTM
$0.90
Cash
$304.56M
P/E
20.66
P/S
3.81
Market cap
$203.7M
Annual revenue$53.36M
FY2017FY2025
Annual net income$10.04M
FY2017FY2025
Annual free cash flow$10.89M
FY2017FY2025

RBKB revenue and earnings growth

RBKB revenueQ2 2026$13.38M

Quarter YoY
+2.1%
QoQ
+5.6%
FY YoY
+85.9%
5Y CAGR
+3.6%

RBKB revenue was $13.38M in fiscal Q2 2026 (ended Jun 30, 2026), up 2.1% from a year earlier and up 5.6% from the prior quarter. For the full fiscal 2025 it was $53.36M, up 85.9% from fiscal 2024. Compound annual growth was +3.6% over 5 years. It rose in 6 of the last 8 fiscal years. Fiscal 2025 is the highest of the 9 fiscal years on file.

RBKB net incomeQ2 2026$2.62M

Quarter YoY
-4.0%
QoQ
+18.1%
5Y CAGR
+11.2%

RBKB net income was $2.62M in fiscal Q2 2026 (ended Jun 30, 2026), down 4.0% from a year earlier and up 18.1% from the prior quarter. For the full fiscal 2025 it was $10.04M, compared with -$8.62M in fiscal 2024. Compound annual growth was +11.2% over 5 years.

RBKB EPSQ2 2026$0.24

Quarter YoY
-4.0%
QoQ
+20.0%
5Y CAGR
+10.8%

RBKB diluted EPS was $0.24 in fiscal Q2 2026 (ended Jun 30, 2026), down 4.0% from a year earlier and up 20.0% from the prior quarter. For the full fiscal 2025 it was $0.92, compared with -$0.80 in fiscal 2024. Compound annual growth was +10.8% over 5 years.

RBKB free cash flowQ2 2026$5.39M

Quarter YoY
+139.8%
QoQ
+86.9%
FY YoY
+41.9%
5Y CAGR
-3.4%

RBKB free cash flow was $5.39M in fiscal Q2 2026 (ended Jun 30, 2026), up 139.8% from a year earlier and up 86.9% from the prior quarter. For the full fiscal 2025 it was $10.89M, up 41.9% from fiscal 2024. Compound annual growth was -3.4% over 5 years. It rose in 6 of the last 8 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Revenue$53.36M$28.71M$43.74M$47.73M$46.84M$44.68M$37.88M$33.59M$32.64M
Interest expense--$22.69M$6.76M$4.29M$8.02M$8.74M$5.32M$3.30M
Pre-tax income$12.69M-$10.94M$5.61M$8.90M$14.99M$7.48M$7.49M$5.37M$6.60M
Income tax$2.64M-$2.32M$1.22M$1.90M$3.43M$1.56M$1.53M$1.01M$3.60M
Net income$10.04M-$8.62M$4.39M$7.00M$11.56M$5.92M$5.96M$4.36M$3.00M
EPS, basic$0.93-$0.80$0.41$0.65$1.07$0.55$0.56--
EPS, diluted$0.92-$0.80$0.40$0.64$1.06$0.55$0.56--
Diluted shares11.0M10.8M10.9M11.0M11.0M10.7M10.7M--

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Cash and equivalents$101.99M$37.48M$22.13M$31.38M$72.09M$93.48M$11.98M$50.59M$10.46M
Goodwill$2.23M$2.23M$2.23M$2.23M$2.23M$1.41M$1.41M$1.41M$1.50M
Total assets$1.30B$1.26B$1.31B$1.34B$1.28B$1.13B$973.95M$882.42M$742.10M
Total liabilities$1.16B$1.13B$1.20B$1.23B$1.16B$1.01B$864.06M$823.15M$687.13M
Shareholders' equity$136.85M$121.83M$113.69M$108.13M$125.97M$116.50M$109.88M$59.28M$54.98M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Operating cash flow$11.74M$8.47M$7.05M$14.79M$7.65M$14.85M$12.11M$8.61M$5.39M
Capital expenditures$850.0K$791.0K$578.0K$1.13M$1.77M$1.87M$2.59M$1.15M$697.0K
Free cash flow$10.89M$7.68M$6.47M$13.66M$5.88M$12.98M$9.52M$7.46M$4.69M
Investing cash flow$21.16M$74.75M$14.70M-$123.61M-$135.73M-$74.12M-$132.08M-$104.07M-$23.96M
Financing cash flow$31.60M-$67.86M-$31.00M$68.11M$106.69M$140.78M$81.36M$135.59M$16.06M
Share repurchases$95.0K--------
Stock-based compensation$39.0K$19.0K$396.0K$615.0K$618.0K$217.0K---

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Revenue growth, YoY85.9%-34.4%-8.4%1.9%4.8%18.0%12.8%2.9%-
Net income growth, YoY---37.2%-39.5%95.3%-0.8%36.9%45.1%-
EPS growth, YoY---37.5%-39.6%92.7%-1.8%---
Net margin18.8%-30.0%10.0%14.7%24.7%13.2%15.7%13.0%9.2%
Free cash flow margin20.4%26.7%14.8%28.6%12.6%29.0%25.1%22.2%14.4%
Return on equity7.3%-7.1%3.9%6.5%9.2%5.1%5.4%7.4%5.5%
Return on assets0.8%-0.7%0.3%0.5%0.9%0.5%0.6%0.5%0.4%

Source: XBRL data Rhinebeck Bancorp Inc. files with the SEC, latest filing dated Aug 13, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

RBKB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
RBKB$53.52M+54.5%$9.86M18.4%$203.7M
FLG$2.09B-6.4%$48.00M2.3%$4.55B
BBT$887.69M+93.0%$159.79M18.0%$2.63B
HFWA$294.09M+30.2%$77.90M26.5%$1.19B
NBBK$259.17M+37.4%$59.17M22.8%$995.6M
SMBC$200.65M+9.9%$71.84M35.8%$799.2M
TCBX$236.61M+26.4%$74.31M31.4%$674.4M
GCBC$92.58M+22.9%$41.02M44.3%$623.0M

RBKB FAQ

8 questions
  • What is RBKB revenue?
    Rhinebeck Bancorp Inc. (RBKB) reported $53.52M of revenue for the twelve months ended Jun 30, 2026. That is up 54.5% from the year before. Revenue for fiscal 2025 was $53.36M.
  • Is RBKB profitable?
    Yes. Rhinebeck Bancorp Inc. earned $9.86M in net income for the twelve months ended Jun 30, 2026, a net margin of 18.4%.
  • How much cash and debt does RBKB have?
    Rhinebeck Bancorp Inc. reported $304.56M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is RBKB revenue growing?
    Rhinebeck Bancorp Inc.'s revenue changed +85.9% in fiscal 2025, to $53.36M. Its compound annual growth rate was +3.6% over 5 years.
  • What is RBKB free cash flow?
    Rhinebeck Bancorp Inc. generated $12.72M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $14.11M less capital expenditures.
  • What is RBKB earnings per share?
    Diluted earnings per share were $0.90 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did RBKB last report financial results?
    The latest statements here come from Rhinebeck Bancorp Inc.'s 10-Q filed on Aug 13, 2026, covering the period ended Jun 30, 2026.
  • Where does this RBKB financial data come from?
    Quantisnow builds these statements from the structured XBRL data Rhinebeck Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.