Saturday 17 October 2026 Export RBKB’s income statement to Excel — free account

Rhinebeck Bancorp, Inc.

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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Market cap: $200.9M
P/E: 17.9×
Fwd P/E: —
Dividend yield: —
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.73

Total sells 0.12

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	—	—	—	—	—	4	1	—	—
Sell	—	1	—	—	—	—	1	—	—	—	—	—

Insider Ownership 42.94%

Capital & Financial Ratios $m

Market Cap 200.92

Revenue 75.93

Net Income 9.86

Free Cash Flow 13.34

Net Debt (294.25)

Current Ratio 0.94

Debt/Equity 0.07

P/E ratio 17.86

Fwd P/E —

P/S ratio 1.83

P/B ratio 1.00

Past 5Y EPS Growth 10.84%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth (19.56%)

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 70.97%

10-year low 10-year high

P/S against its own 10 years 45.68%

10-year low 10-year high

P/B against its own 10 years 78.77%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2020	Powerpack
2019	Powerpack
2018	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	22	37	102	305
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,036	1,014	1,060	1,228

	2023	2024	2025	Q'26
Payables	1,031	1,021	1,097	1,283
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,057	1,050	1,125	1,307

Compound Annual Growth %

	10y	5y	3y
Sales	—	7.55%	11.65%
Cash Flow	—	(4.58%)	(7.41%)
Earnings	—	11.17%	12.81%
Book Value	—	3.27%	8.17%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	18	19	—	—	—
’25	18	18	20	19	76
’24	17	17	6	14	54
’23	16	16	17	17	66
’22	13	13	14	15	54
’21	13	12	13	13	51
’20	12	13	13	14	53

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	4	6	—	—	—
’25	4	2	2	3	12
’24	(3)	12	(4)	4	8
’23	3	1	2	0	7
’22	8	3	6	(1)	15
’21	3	0	3	2	8
’20	4	(1)	4	9	15

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	3	6	—	—	—
’25	4	2	2	2	11
’24	(1)	12	(4)	3	11
’23	3	1	2	0	6
’22	7	3	6	(1)	14
’21	2	(1)	3	1	6
’20	3	(2)	3	8	13

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.14	0.24	—	—	—
’25	0.15	0.25	0.18	0.15	0.66
’24	0.07	0.06	(0.54)	(0.18)	(0.57)
’23	0.05	0.09	0.08	0.06	0.29
’22	0.14	0.13	0.14	0.05	0.46
’21	0.22	0.16	0.18	0.19	0.76
’20	0.07	0.09	0.07	0.15	0.39

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	7.34	4.22	6.08	6.06	4.35	5.23	6.66	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	8.80	8.19	9.38	8.25	6.96	7.33	10.01
People
People	Employees	—	166	166	173	176	202	192	173	168	165
	Revenue/emp, $m	0.00	0.22	0.23	0.27	0.30	0.25	0.28	0.38	0.32	0.46
Income, $m
Income, $m	Revenue	30	36	39	47	53	51	54	66	54	76
	Gross margin, %	0.00	90.82	86.33	81.25	84.78	91.61	87.60	65.84	52.94	70.36
	EBT	4	7	5	7	7	15	9	6	(11)	13
	EBT margin, %	13.50	18.36	13.80	16.07	14.19	29.32	16.33	8.45	(20.16)	16.73
	Net income	3	3	4	6	6	12	7	4	(9)	10
	Depreciation	—	2	2	2	2	2	2	2	1	1
Per share, $
Per share, $	Revenue	2.67	3.23	0.00	3.11	3.51	3.40	3.60	4.41	3.61	5.02
	Earnings	0.24	0.27	0.28	0.40	0.39	0.77	0.47	0.29	(0.57)	0.67
	Cash flow	0.42	0.48	0.00	0.81	0.99	0.51	0.98	0.47	0.56	0.78
	Capex	0.00	(0.02)	0.00	(0.17)	(0.12)	(0.12)	(0.07)	(0.04)	0.14	(0.05)
	Free cash flow	0.42	0.47	0.00	0.64	0.87	0.39	0.90	0.43	0.70	0.72
	Book value	4.76	4.94	0.00	7.34	7.77	8.37	7.14	7.54	8.10	9.06
	Shares, m	11	11	0	15	15	15	15	15	15	15
Valuation, ×
Valuation, ×	P/E	13.06	13.06	13.06	20.21	15.85	9.87	14.09	19.71	0.00	11.63
	P/S	0.00	0.00	0.00	2.60	1.74	2.25	1.79	1.31	1.92	1.71
	P/B	0.00	0.00	0.00	1.10	0.79	0.91	0.90	0.77	0.85	0.95
	EV/Sales	(0.23)	(0.23)	(0.23)	3.88	1.03	1.29	2.37	2.98	2.61	0.77
	EV/FCF	(1.18)	(1.18)	(1.18)	18.98	4.17	11.22	9.46	30.64	13.39	5.32
Cash, $m
Cash, $m	Operating cash flow	5	5	9	12	15	8	15	7	8	12
	Capex	(1)	0	(1)	(3)	(2)	(2)	(1)	(1)	2	(1)
	Free cash flow	5	5	7	10	13	6	14	6	11	11
Balance, $m
Balance, $m	Working capital	—	(81)	37	24	23	(192)	(125)	(21)	(36)	(65)
	Total debt	25	20	42	71	56	23	63	133	75	30
	Net debt	25	10	(9)	59	(38)	(49)	31	111	37	(72)
	Shareholders’ equity	53	55	59	110	116	126	108	114	122	137
Returns, %
Returns, %	ROA	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
	ROE	4.98	5.56	7.63	7.05	5.23	9.53	5.98	3.96	(7.32)	7.77

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
MRBK Meridian Bank	$219.6M	9.9×	9.5×	−3.50% (below 0%: shrinking)	−2.00% (below 0%: shrinking)	+88.96% (above 0%: growing)	64.49%	0.00%	Compare
CFBK CF Bankshares Inc.	$217.9M	11.5×	8.1×	−0.68% (below 0%: shrinking)	+18.18% (above 0%: growing)	−35.84% (below 0%: shrinking)	52.15%	0.00%	Compare
OVBC Ohio Valley Banc Corp.	$217.2M	15.3×	11.0×	+11.63% (above 0%: growing)	−30.34% (below 0%: shrinking)	−91.53% (below 0%: shrinking)	69.70%	0.00%	Compare
FCAP First Capital, Inc.	$206.0M	11.1×	— (loss-making)	+11.02% (above 0%: growing)	+26.55% (above 0%: growing)	+2.66% (above 0%: growing)	80.17%	0.00%	Compare
CZWI Citizens Community Bancorp, Inc.	$203.7M	16.2×	11.4×	−2.75% (below 0%: shrinking)	−66.67% (below 0%: shrinking)	+1,134.94% (above 0%: growing)	65.38%	0.00%	Compare
RBKB Rhinebeck Bancorp, Inc.	$200.9M	17.9×	—	+2.17% (above 0%: growing)	−5.03% (below 0%: shrinking)	+145.41% (above 0%: growing)	71.31%	0.00%
CBFV CB Financial Services, Inc.	$194.0M	26.3×	11.5×	+11.11% (above 0%: growing)	+7.59% (above 0%: growing)	+89.91% (above 0%: growing)	70.87%	0.00%	Compare
LARK Landmark Bancorp Inc.	$192.5M	9.5×	5.6×	+2.62% (above 0%: growing)	+21.58% (above 0%: growing)	+828.81% (above 0%: growing)	78.76%	0.00%	Compare
BVFL BV Financial, Inc.	$184.2M	14.1×	—	−2.37% (below 0%: shrinking)	+48.28% (above 0%: growing)	+1.43% (above 0%: growing)	78.95%	0.00%	Compare
Median of peers	$204.9M	12.8×	10.2×	+0.97%	+12.89%	+45.81%	70.29%	0.00%

All 323 Banks Regional stocks →

Rhinebeck Bancorp, Inc. (RBKB) key facts

Strength: Rhinebeck Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $75.8 million, up 39.8% from fiscal 2024.
Rhinebeck Bancorp, Inc. (RBKB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, RBKB traded at $12.85, a market capitalization of $200.9 million.
Return on equity was 7.77% and debt-to-equity 0.07.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.