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