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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.

12.85 0.00 0.00%
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%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

Rhinebeck Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

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.

Rhinebeck Bancorp, Inc. (RBKB) Latest News

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stockrow.com/RBKB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com