Saturday 17 October 2026
Export RBKB’s income statement to Excel — free account
Rhinebeck Bancorp, Inc.
RBKB Financial Banks Regional
Rhinebeck Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $75.8 million, up 39.8% from fiscal 2024. In the quarter to June 2026, revenue grew 2.17%, EPS fell 5.03%, free cash flow grew 145.4% and total debt fell 67.5%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | — | — | 5 | 5 | 4 | 6 | 4 | 7 |
P/E ratio |
13.06 | 13.06 | 13.06 | 20.21 | 15.85 | 9.87 | 14.09 | 19.71 | 0.00 | 11.63 |
P/S ratio |
0.00 | 0.00 | 0.00 | 2.60 | 1.74 | 2.25 | 1.79 | 1.31 | 1.92 | 1.71 |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 12.73 | 7.07 | 19.54 | 7.15 | 13.47 | 9.84 | 11.88 |
P/Operating CF |
0.00 | 0.00 | 0.00 | 38.26 | 10.69 | 62.46 | (82.89) | 544.80 | 29.07 | 46.86 |
P/B ratio |
0.00 | 0.00 | 0.00 | 1.10 | 0.79 | 0.91 | 0.90 | 0.77 | 0.85 | 0.95 |
Price to Tangible BV |
0.00 | 0.00 | 0.00 | 1.12 | 0.80 | 0.93 | 0.93 | 0.78 | 0.87 | 0.97 |
EV/Sales |
(0.23) | (0.23) | (0.23) | 3.88 | 1.03 | 1.29 | 2.37 | 2.98 | 2.61 | 0.77 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(1.03) | (1.03) | (1.03) | 14.92 | 3.65 | 8.62 | 8.73 | 28.13 | 16.71 | 4.96 |
EV/FCF |
(1.18) | (1.18) | (1.18) | 18.98 | 4.17 | 11.22 | 9.46 | 30.64 | 13.39 | 5.32 |
Quick Ratio |
— | 0.02 | 0.07 | 0.02 | 0.10 | 0.06 | 0.03 | 0.02 | 0.04 | 0.09 |
Current Ratio |
— | 0.88 | 1.05 | 1.03 | 1.02 | 0.83 | 0.89 | 0.98 | 0.97 | 0.94 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.44% | 2.70% | 4.73% | 7.34% | 4.95% | 1.81% | 4.71% | 10.14% | 5.97% | 2.33% |
Debt/Equity |
0.47 | 0.36 | 0.70 | 0.65 | 0.48 | 0.18 | 0.58 | 1.17 | 0.62 | 0.22 |
Asset Turnover |
0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.04 | 0.06 |
Operating CF/Net income |
1.74 | 1.79 | 1.98 | 2.03 | 2.51 | 0.66 | 2.11 | 1.60 | (0.98) | 1.17 |
Capex/Depreciation |
— | (0.11) | (0.71) | (1.64) | (0.94) | (0.89) | (0.60) | (0.33) | 1.43 | (0.67) |
| 4.98% | 5.56% | 7.63% | 7.05% | 5.23% | 9.53% | 5.98% | 3.96% | (7.32%) | 7.77% | |
| 0.37% | 0.41% | 0.54% | 0.64% | 0.56% | 0.96% | 0.53% | 0.33% | (0.67%) | 0.79% | |
ROIC |
0.00% | 6.39% | 6.66% | 2.76% | 5.93% | 12.16% | 3.98% | 1.67% | (4.29%) | 12.16% |
Return on Tangible Assets |
14.94% | (4.69%) | 8.06% | 14.13% | 14.11% | (6.67%) | (6.57%) | (113.83%) | 39.58% | (19.57%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 72.27% | 72.17% | 65.09% | 70.52% | 62.10% | 71.09% | 56.70% | 72.95% | 53.56% |
Intangible Assets out of Total Assets |
0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.41% | 1.21% | 1.13% | 0.60% | 0.04% | 0.05% |
Graham Net Nets |
0.00 | 0.00 | 0.00 | (0.46) | (0.45) | (1.96) | (2.02) | (1.88) | (1.16) | (0.81) |
Graham Number |
0.00 | 0.00 | 0.00 | 8.14 | 8.22 | 12.06 | 8.57 | 7.05 | 0.00 | 12.28 |
Earnings Yield |
7.66% | 7.66% | 7.66% | 4.95% | 6.31% | 10.13% | 7.10% | 5.07% | (8.38%) | 8.60% |
Free Cash Flow Yield |
0.00% | 0.00% | 0.00% | 7.85% | 14.14% | 5.12% | 13.98% | 7.42% | 10.16% | 8.42% |
Revenue per Share |
2.67 | 3.23 | 0.00 | 3.11 | 3.51 | 3.40 | 3.60 | 4.41 | 3.61 | 5.02 |
Operating CF per Share |
0.42 | 0.48 | 0.00 | 0.81 | 0.99 | 0.51 | 0.98 | 0.47 | 0.56 | 0.78 |
Capex per Share |
0.00 | (0.02) | 0.00 | (0.17) | (0.12) | (0.12) | (0.07) | (0.04) | 0.14 | (0.05) |
Free Cash Flow per Share |
0.42 | 0.47 | 0.00 | 0.64 | 0.87 | 0.39 | 0.90 | 0.43 | 0.70 | 0.72 |
Cash per Share |
0.00 | 0.94 | 0.00 | 0.80 | 6.23 | 4.79 | 2.07 | 1.47 | 2.49 | 6.75 |
Shareholders Equity per Share |
4.76 | 4.94 | 0.00 | 7.34 | 7.77 | 8.37 | 7.14 | 7.54 | 8.10 | 9.06 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
4.76 | 4.94 | 0.00 | 7.34 | 7.77 | 8.37 | 7.14 | 7.54 | 8.10 | 9.06 |
Free Cash Flow |
4.68 | 5.22 | 7.46 | 9.52 | 12.98 | 5.88 | 13.66 | 6.47 | 10.57 | 10.94 |
Working Capital |
— | (81.00) | 36.99 | 23.85 | 23.11 | (192.45) | (125.23) | (21.43) | (35.88) | (64.95) |
Capital Expenditures |
(1.10) | (0.17) | (1.15) | (2.59) | (1.87) | (1.77) | (1.13) | (0.58) | 2.10 | (0.80) |
Net Current Asset Value |
(674.00) | (108.34) | (91.63) | (55.71) | (41.21) | (224.77) | (197.84) | (163.92) | (120.23) | (104.66) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.03 | 0.06 | 0.04 | 0.03 | 0.02 | 0.01 | (0.04) | 0.01 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 16.18 | 12.28 | 7.66 | 10.99 | 14.55 | 0.00 | 10.24 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.09 | 0.10 | 0.09 | 0.11 | 0.10 | 0.10 | 0.10 | 0.10 | 0.09 |
Cash ROIC |
6.00% | 6.10% | 4.92% | 4.93% | 4.88% | 2.66% | 6.75% | 2.40% | 4.51% | 4.06% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
— | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
— | 71,905.55 | 46,957.25 | 32,300.06 | 42,301.77 | 93,825.43 | 61,045.82 | 16,574.14 | 14,595.75 | 17,817.13 |
Days of Inventory on Hand |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
— | 667.26 | 667.26 | 728.88 | 851.35 | 1,015.68 | 1,115.97 | 1,080.22 | 1,025.64 | 1,059.06 |
Average Assets |
735.50 | 734.05 | 812.26 | 928.18 | 1,051.39 | 1,205.00 | 1,308.57 | 1,324.59 | 1,284.48 | 1,278.77 |
Average Common Equity |
54.00 | 53.99 | 57.13 | 84.58 | 113.19 | 121.23 | 117.05 | 110.91 | 117.76 | 129.34 |
Columns are period end dates