RBKB

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Rhinebeck Bancorp, Inc.

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Key Metrics

Previous Close: $12.92
52-Week Range: $6.74 – $13.23
Market Cap: $205.61M
P/E (TTM): 14.45
EPS (TTM): 0.91
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: 1.44
PEG Ratio: —
Return on Equity: 7.34%
Return on Assets: 0.72%
Gross Margin: 0.00%
Operating Margin: 27.18%
Profit Margin: 18.95%
Current Ratio: —
Debt/Equity: —
Total Debt: $21.88M
Free Cash Flow: —
Revenue Growth: 1.40%
Earnings Growth: -4.00%
Enterprise Value: $-86.18M

RBKB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$47.77M	$43.70M	$28.73M	$53.35M
Selling, General & Admin	$23.12M	$21.25M	$22.07M	$23.52M
Pretax Income	$8.90M	$5.61M	-$10.94M	$12.69M
Income Tax	$1.90M	$1.22M	-$2.32M	$2.64M
Net Income	$7.00M	$4.39M	-$8.62M	$10.04M
Diluted EPS	0.64	0.40	-0.80	0.92
Diluted Shares	11.00M	10.86M	10.76M	10.96M

RBKB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$16.82M	$14.61M	$19.18M	$18.83M
Receivables	$4.25M	$4.62M	$4.43M	$4.88M
Total Assets	$1.34B	$1.31B	$1.26B	$1.30B
Long-Term Debt	$62.88M	$133.22M	$74.93M	$28.69M
Total Debt	$62.88M	$133.22M	$74.93M	$30.31M
Total Liabilities	$1.23B	$1.20B	$1.13B	$1.16B
Retained Earnings	$96.62M	$100.39M	$91.77M	$101.80M
Shareholders' Equity	$108.13M	$113.69M	$121.83M	$136.85M
Net Debt	$46.06M	$118.61M	$55.75M	$11.48M

RBKB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$14.79M	$7.05M	$8.47M	$11.74M
Capital Expenditure	-$1.13M	-$578.00K	-$791.00K	-$850.00K
Free Cash Flow	$13.66M	$6.47M	$7.68M	$10.89M
Depreciation & Amortisation	$1.65M	$1.49M	$1.42M	$1.36M
Stock-Based Compensation	$831.00K	$558.00K	$205.00K	$282.00K
Investing Cash Flow	-$123.61M	$14.70M	$74.75M	$21.16M
Financing Cash Flow	$68.11M	-$31.00M	-$67.86M	$31.60M
Share Repurchases	-$111.00K	-$1.46M	$0.00	-$95.00K
Net Change in Cash	-$40.71M	-$9.26M	$15.36M	$64.50M

RBKB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$13.09M	$13.97M	$13.50M	$12.65M	$13.36M
Selling, General & Admin	$5.76M	$5.89M	$6.23M	$5.90M	$5.93M
Pretax Income	$3.49M	$3.34M	$2.93M	$2.85M	$3.38M
Income Tax	$762.00K	$648.00K	$591.00K	$635.00K	$762.00K
Net Income	$2.73M	$2.69M	$2.34M	$2.22M	$2.62M
Diluted EPS	0.25	0.25	0.21	0.20	0.24
Diluted Shares	10.95M	10.98M	10.96M	10.98M	10.96M

RBKB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$24.08M	$16.28M	$18.83M	$20.78M	$24.60M
Receivables	$4.50M	$4.86M	$4.88M	$4.71M	$4.59M
Total Assets	$1.27B	$1.32B	$1.30B	$1.28B	$1.47B
Long-Term Debt	$30.31M	$29.07M	$28.69M	$8.69M	$6.99M
Total Debt	$31.76M	$31.76M	$30.31M	$10.31M	$10.31M
Total Liabilities	$1.15B	$1.18B	$1.16B	$1.15B	$1.33B
Retained Earnings	$96.78M	$99.47M	$101.80M	$103.96M	$105.98M
Shareholders' Equity	$128.96M	$133.00M	$136.85M	$138.64M	$139.60M
Net Debt	$7.68M	$15.48M	$11.48M	—	—

RBKB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$2.43M	$2.23M	$2.77M	$3.52M	$5.59M
Capital Expenditure	-$182.00K	-$199.00K	-$353.00K	-$637.00K	-$205.00K
Free Cash Flow	$2.25M	$2.03M	$2.42M	$2.88M	$5.39M
Depreciation & Amortisation	$321.00K	$226.00K	$473.00K	$344.00K	$332.00K
Stock-Based Compensation	$70.00K	$79.00K	$69.00K	$87.00K	$153.00K
Investing Cash Flow	$22.32M	-$24.61M	$10.49M	$22.87M	$2.75M
Financing Cash Flow	$14.36M	$36.22M	-$14.74M	-$15.47M	$183.32M
Share Repurchases	-$62.00K	-$133.00K	$100.00K	-$220.00K	-$1.59M
Net Change in Cash	$39.10M	$13.84M	-$1.48M	$10.92M	$191.66M

Market Snapshot

About

Rhinebeck Bancorp, Inc. is a community bank holding company serving customers in the Hudson Valley region of New York State through its subsidiary Rhinebeck Bank. The bank provides traditional banking products including residential and commercial mortgages, business loans, and deposit accounts to local communities. Rhinebeck focuses on relationship banking and serving the financial needs of individuals and small businesses in its market area.