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Rhinebeck Bancorp (RBKB) Financials

Rhinebeck Bancorp logo
$16.97 -0.11 (-0.64%)
Closing price 04:00 PM Eastern
Extended Trading
$17.06 +0.09 (+0.53%)
As of 04:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Rhinebeck Bancorp

Annual Income Statements for Rhinebeck Bancorp

This table shows Rhinebeck Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 3.00 4.36 5.96 5.92 12 7.00 4.40 -8.62 10
Consolidated Net Income / (Loss)		 3.00 4.36 5.96 5.92 12 7.00 4.40 -8.62 10
Net Income / (Loss) Continuing Operations		 3.00 4.36 5.96 5.92 12 7.00 4.40 -8.62 10
Total Pre-Tax Income 		6.60 5.37 7.49 7.48 15 8.90 5.61 -11 13
Total Revenue		 33 34 38 45 47 48 44 29 53
Net Interest Income / (Expense)		 25 28 32 36 39 42 38 38 46
Total Interest Income		 28 34 41 44 44 49 61 63 69
Loans and Leases Interest Income		 25 31 38 42 41 44 55 58 61
Investment Securities Interest Income		 2.47 2.36 2.67 2.13 2.23 3.85 4.41 4.27 5.11
Other Interest Income		 0.05 0.06 0.06 0.05 0.11 0.33 1.17 1.11 2.61
Total Interest Expense		 3.30 5.32 8.74 8.02 4.29 6.76 23 26 22
Deposits Interest Expense		 3.06 4.20 6.99 6.67 3.60 5.61 18 21 21
Long-Term Debt Interest Expense		 0.24 1.12 1.75 1.35 0.69 1.15 5.08 4.23 1.96
Total Non-Interest Income		 8.06 5.18 5.63 8.30 7.42 5.90 5.78 -8.98 6.97
Service Charges on Deposit Accounts		 2.41 2.81 2.82 2.28 2.58 2.83 2.88 3.00 2.98
Other Service Charges		 0.92 0.90 0.33 0.12 0.34 0.54 0.69 1.21 1.44
Net Realized & Unrealized Capital Gains on Investments		 2.32 0.27 1.13 4.24 2.80 0.66 0.39 -15 0.26
Investment Banking Income		 2.27 0.81 0.94 1.29 1.13 1.23 1.16 1.53 1.51
Other Non-Interest Income		 0.15 0.40 0.40 0.38 0.57 0.64 0.67 0.75 0.78
Provision for Credit Losses		 0.90 2.10 2.46 7.14 -3.67 1.41 1.70 2.80 1.66
Total Non-Interest Expense		 25 26 28 30 36 37 36 37 39
Salaries and Employee Benefits		 14 14 16 17 20 22 19 20 22
Net Occupancy & Equipment Expense		 1.16 1.16 4.83 4.94 5.87 6.47 6.27 6.31 6.54
Marketing Expense		 0.63 0.72 0.67 0.51 0.71 0.69 0.56 0.59 0.86
Property & Liability Insurance Claims		 0.79 0.85 0.48 0.80 0.77 0.83 1.23 1.11 1.04
Other Operating Expenses		 8.70 8.89 6.28 6.98 7.96 7.74 8.45 8.40 8.90
Amortization Expense		 0.07 0.04 0.04 0.04 0.10 0.10 0.09 0.08 0.06
Income Tax Expense		 3.60 1.01 1.53 1.56 3.43 1.90 1.22 -2.32 2.64
Basic Earnings per Share		 - $0.00 $0.56 $0.55 $1.07 $0.65 $0.41 ($0.80) $0.93
Weighted Average Basic Shares Outstanding		 - 0.00 10.71M 10.73M 10.77M 10.84M 10.79M 10.76M 10.81M
Diluted Earnings per Share		 - $0.00 $0.56 $0.55 $1.06 $0.64 $0.40 ($0.80) $0.92
Weighted Average Diluted Shares Outstanding		 - 0.00 10.71M 10.74M 10.95M 11.00M 10.86M 10.76M 10.96M
Weighted Average Basic & Diluted Shares Outstanding		 - 11.13M 11.13M 11.13M 11.30M 11.28M 11.07M 11.09M 11.14M

Quarterly Income Statements for Rhinebeck Bancorp

This table shows Rhinebeck Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.24 0.93 1.12 0.98 -8.06 -2.65 2.29 2.73 2.70 2.34 2.22
Consolidated Net Income / (Loss)		 1.24 0.93 1.12 0.98 -8.06 -2.65 2.29 2.73 2.70 2.34 2.22
Net Income / (Loss) Continuing Operations		 1.24 0.93 1.12 0.98 -8.06 -2.65 2.29 2.73 2.70 2.34 2.22
Total Pre-Tax Income 		1.58 1.19 1.44 1.26 -10 -3.34 2.93 3.49 3.34 2.93 2.85
Total Revenue		 11 11 10 11 -0.33 7.99 13 13 14 14 13
Net Interest Income / (Expense)		 9.66 9.14 8.81 9.05 9.66 10 11 11 12 12 11
Total Interest Income		 16 16 16 16 16 16 17 17 18 18 17
Loans and Leases Interest Income		 14 14 14 14 15 15 15 15 16 15 14
Investment Securities Interest Income		 1.01 1.15 1.04 0.96 1.00 1.29 1.35 1.28 1.12 1.36 1.41
Other Interest Income		 0.38 0.20 0.22 0.30 0.37 0.24 0.28 0.41 0.92 0.99 0.86
Total Interest Expense		 5.88 6.44 6.74 6.64 6.34 5.81 5.60 5.26 5.72 5.89 5.42
Deposits Interest Expense		 4.59 4.80 5.13 5.37 5.57 5.22 4.76 4.87 5.44 5.45 5.17
Long-Term Debt Interest Expense		 1.29 1.65 1.61 1.27 0.77 0.59 0.84 0.40 0.28 0.45 0.24
Total Non-Interest Income		 1.65 1.40 1.59 1.61 -9.99 -2.51 1.75 1.60 1.94 1.68 1.47
Service Charges on Deposit Accounts		 0.74 0.72 0.74 0.74 0.77 0.75 0.77 0.73 0.74 0.74 0.76
Other Service Charges		 0.17 0.17 0.25 0.27 0.20 0.17 0.42 0.34 0.45 0.23 0.19
Net Realized & Unrealized Capital Gains on Investments		 0.25 0.04 0.03 0.04 -12 -4.02 0.04 0.07 0.09 0.07 0.01
Investment Banking Income		 0.32 0.30 0.38 0.38 0.38 0.40 0.34 0.27 0.47 0.44 0.30
Other Non-Interest Income		 0.17 0.17 0.18 0.19 0.19 0.19 0.19 0.19 0.20 0.20 0.20
Provision for Credit Losses		 0.91 0.23 0.08 0.45 0.89 1.38 0.35 -0.10 0.90 0.50 0.07
Total Non-Interest Expense		 8.82 9.12 8.88 8.95 9.08 9.94 9.51 9.71 9.73 10 9.74
Salaries and Employee Benefits		 4.67 4.59 4.99 4.91 5.04 5.43 5.13 5.24 5.47 5.77 5.53
Net Occupancy & Equipment Expense		 1.55 1.58 1.55 1.58 1.54 1.64 1.60 1.65 1.61 1.69 1.83
Marketing Expense		 0.13 0.18 0.12 0.12 0.13 0.22 0.20 0.22 0.15 0.29 0.15
Property & Liability Insurance Claims		 0.29 0.31 0.25 0.26 0.29 0.30 0.30 0.30 0.27 0.18 0.22
Other Operating Expenses		 2.15 2.07 1.94 2.06 2.06 2.34 2.26 2.28 2.21 2.15 2.00
Amortization Expense		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.01 0.01
Income Tax Expense		 0.34 0.26 0.32 0.28 -2.24 -0.68 0.64 0.76 0.65 0.59 0.64
Basic Earnings per Share		 $0.12 $0.09 $0.10 $0.09 ($0.75) ($0.24) $0.21 $0.25 $0.25 $0.22 $0.20
Weighted Average Basic Shares Outstanding		 10.71M 10.79M 10.75M 10.75M 10.76M 10.76M 10.78M 10.79M 10.81M 10.81M 10.84M
Diluted Earnings per Share		 $0.11 $0.09 $0.10 $0.09 ($0.75) ($0.24) $0.21 $0.25 $0.25 $0.21 $0.20
Weighted Average Diluted Shares Outstanding		 10.76M 10.86M 10.84M 10.82M 10.76M 10.76M 10.92M 10.95M 10.98M 10.96M 10.98M
Weighted Average Basic & Diluted Shares Outstanding		 11.07M 11.07M 11.07M 11.09M 11.09M 11.09M 11.10M 11.11M 11.15M 11.14M 11.17M

Annual Cash Flow Statements for Rhinebeck Bancorp

This table details how cash moves in and out of Rhinebeck Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -2.52 40 -39 82 -21 -41 -9.26 15 65
Net Cash From Operating Activities		 5.39 8.61 12 15 7.65 15 7.05 8.47 12
Net Cash From Continuing Operating Activities		 5.39 8.61 12 15 7.65 15 7.05 8.47 12
Net Income / (Loss) Continuing Operations		 3.00 4.36 5.96 5.92 12 7.00 4.40 -8.62 10
Consolidated Net Income / (Loss)		 3.00 4.36 5.96 5.92 12 7.00 4.40 -8.62 10
Provision For Loan Losses		 0.90 - 2.46 7.14 -3.67 1.41 1.70 2.80 1.66
Depreciation Expense		 1.14 1.15 1.29 1.38 1.56 1.56 1.40 1.34 1.30
Amortization Expense		 0.45 0.38 0.29 0.61 0.43 0.33 0.37 0.13 -0.10
Non-Cash Adjustments to Reconcile Net Income		 37 3.36 -0.36 -2.04 0.13 4.12 -1.01 13 1.34
Changes in Operating Assets and Liabilities, net		 -38 -0.63 2.47 1.85 -2.35 0.39 0.19 -0.60 -2.50
Net Cash From Investing Activities		 -24 -104 -132 -74 -136 -124 15 75 21
Net Cash From Continuing Investing Activities		 -24 -104 -132 -74 -136 -124 15 75 21
Purchase of Property, Leasehold Improvements and Equipment		 -0.70 -1.15 -2.59 -1.87 -1.77 -1.13 -0.58 -0.79 -0.85
Purchase of Investment Securities		 -77 -120 -160 -128 -229 -177 -19 -36 -30
Sale of Property, Leasehold Improvements and Equipment		 0.53 - - - - - 0.00 2.89 0.05
Sale and/or Maturity of Investments		 50 17 31 56 63 54 35 108 52
Other Investing Activities, net		 0.00 0.00 -0.01 -0.23 - 0.00 -0.03 0.03 0.00
Net Cash From Financing Activities		 16 136 81 141 107 68 -31 -68 32
Net Cash From Continuing Financing Activities		 16 136 81 141 107 68 -31 -68 32
Net Change in Deposits		 10 34 89 156 139 28 -99 -9.72 77
Issuance of Debt		 5.40 22 35 -4.30 -33 35 29 -25 0.22
Repayment of Debt		 - 0.00 -9.36 -11 - 5.18 42 -34 -45
Repurchase of Common Equity		 - - - - - - - 0.00 -0.10
Other Financing Activities, Net		 0.23 0.44 -43 0.39 0.55 0.49 -1.92 0.15 -0.24
Cash Interest Paid		 3.30 5.14 8.63 8.31 4.61 6.07 22 26 22
Cash Income Taxes Paid		 1.41 0.63 1.69 3.40 -0.04 1.90 1.50 0.87 0.60

Quarterly Cash Flow Statements for Rhinebeck Bancorp

This table details how cash moves in and out of Rhinebeck Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -27 -4.63 8.54 3.77 12 -8.90 13 39 14 -1.48 11
Net Cash From Operating Activities		 2.46 0.16 -3.50 12 -3.58 3.58 4.31 2.43 2.23 2.77 3.52
Net Cash From Continuing Operating Activities		 2.46 0.16 -3.50 12 -3.58 3.58 4.31 2.43 2.23 2.77 3.52
Net Income / (Loss) Continuing Operations		 1.24 0.93 1.12 0.98 -8.06 -2.65 2.29 2.73 2.70 2.34 2.22
Consolidated Net Income / (Loss)		 1.24 0.93 1.12 0.98 -8.06 -2.65 2.29 2.73 2.70 2.34 2.22
Provision For Loan Losses		 0.91 0.23 0.08 0.45 0.89 1.38 0.35 -0.10 0.90 0.50 0.07
Depreciation Expense		 0.38 0.33 0.34 0.34 0.33 0.33 0.32 0.30 0.21 0.47 0.34
Amortization Expense		 0.09 0.09 0.08 0.07 0.05 -0.08 -0.08 0.03 -0.00 -0.04 -0.05
Non-Cash Adjustments to Reconcile Net Income		 -0.03 -0.56 -0.09 0.41 9.49 3.61 0.31 -0.55 0.73 0.84 0.38
Changes in Operating Assets and Liabilities, net		 -0.13 -0.86 -5.04 9.72 -6.28 1.00 1.12 0.02 -2.31 -1.33 0.57
Net Cash From Investing Activities		 -6.98 2.15 27 20 30 -2.96 13 22 -25 10 23
Net Cash From Continuing Investing Activities		 -6.98 2.15 27 20 30 -2.96 13 22 -25 10 23
Purchase of Property, Leasehold Improvements and Equipment		 -0.13 -0.24 -0.24 -0.13 -0.05 -0.37 -0.12 -0.18 -0.20 -0.35 -0.64
Purchase of Investment Securities		 -17 -6.33 16 -14 -14 -24 -4.99 4.30 -27 -2.45 16
Sale of Property, Leasehold Improvements and Equipment		 -0.07 - 2.86 0.03 0.00 - 0.00 - 0.02 0.03 0.45
Sale and/or Maturity of Investments		 10 8.74 8.57 35 44 21 18 18 2.71 13 6.59
Net Cash From Financing Activities		 -23 -6.94 -15 -29 -14 -9.52 -4.24 14 36 -15 -15
Net Cash From Continuing Financing Activities		 -23 -6.94 -15 -29 -14 -9.52 -4.24 14 36 -15 -15
Net Change in Deposits		 4.84 -52 6.52 -5.08 14 -25 13 37 45 -18 6.15
Issuance of Debt		 33 -13 - - -32 -15 -16 - - -1.61 0.00
Repayment of Debt		 -51 53 -20 -10 12 25 0.00 -29 - 0.16 -20
Repurchase of Common Equity		 -0.08 - - - - - 0.00 - - - -0.22
Other Financing Activities, Net		 -8.67 3.02 -1.97 4.73 -8.48 5.87 -1.80 5.06 -8.80 5.29 -1.40
Cash Interest Paid		 6.11 5.91 6.55 6.97 6.68 5.88 5.74 5.31 5.64 5.66 5.68
Cash Income Taxes Paid		 0.39 0.40 0.11 0.58 0.08 0.11 0.11 0.33 0.09 0.09 0.12

Annual Balance Sheets for Rhinebeck Bancorp

This table presents Rhinebeck Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 742 882 974 1,129 1,281 1,336 1,313 1,256 1,302
Cash and Due from Banks		 10 51 12 93 11 13 14 19 16
Federal Funds Sold		 - - - - 53 15 7.52 18 83
Interest Bearing Deposits at Other Banks		 - - - - 8.40 3.52 0.43 0.61 2.94
Trading Account Securities		 115 101 115 103 280 224 192 160 162
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 1,009 972 953
Premises and Equipment, Net		 17 17 18 19 19 19 18 14 14
Goodwill		 1.51 1.41 1.41 1.41 2.24 2.24 2.24 2.24 2.24
Intangible Assets		 0.33 0.28 0.24 0.20 0.43 0.33 0.25 0.17 0.11
Other Assets		 31 33 34 38 52 65 70 70 68
Total Liabilities & Shareholders' Equity		 742 882 974 1,129 1,281 1,336 1,313 1,256 1,302
Total Liabilities		 687 823 864 1,012 1,155 1,228 1,200 1,134 1,165
Non-Interest Bearing Deposits		 158 172 179 244 315 284 250 238 227
Interest Bearing Deposits		 500 520 602 694 796 856 790 792 879
Long-Term Debt		 20 37 71 56 23 63 133 75 30
Other Long-Term Liabilities		 9.68 89 11 19 21 25 27 29 28
Total Equity & Noncontrolling Interests		 55 59 110 116 126 108 114 122 137
Total Preferred & Common Equity		 55 59 110 116 126 108 114 122 137
Preferred Stock		 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 55 59 110 116 126 108 114 122 137
Common Stock		 0.10 0.10 46 46 47 47 46 46 46
Retained Earnings		 62 66 72 78 90 97 100 92 102
Accumulated Other Comprehensive Income / (Loss)		 -6.96 -7.01 -4.10 -3.79 -6.64 -32 -29 -13 -7.93
Other Equity Adjustments		 - 0.00 -4.15 -3.93 -3.71 -3.49 -3.27 -3.06 -2.84

Quarterly Balance Sheets for Rhinebeck Bancorp

This table presents Rhinebeck Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,315 1,299 1,276 1,266 1,256 1,274 1,316 1,285
Cash and Due from Banks		 14 14 14 22 23 22 14 18
Federal Funds Sold		 13 15 19 10 27 66 87 92
Interest Bearing Deposits at Other Banks		 0.49 1.55 0.87 14 0.56 2.45 1.92 3.19
Trading Account Securities		 194 183 174 169 145 141 149 156
Loans and Leases, Net of Allowance		 1,004 993 982 965 977 961 978 937
Premises and Equipment, Net		 18 15 14 14 14 14 14 13
Goodwill		 2.24 2.24 2.24 2.24 2.24 2.24 2.24 2.24
Intangible Assets		 0.27 0.23 0.21 0.19 0.15 0.13 0.11 0.10
Other Assets		 70 75 68 69 68 66 70 63
Total Liabilities & Shareholders' Equity		 1,315 1,299 1,276 1,266 1,256 1,274 1,316 1,285
Total Liabilities		 1,209 1,185 1,160 1,143 1,130 1,145 1,183 1,146
Non-Interest Bearing Deposits		 277 237 241 257 238 239 253 226
Interest Bearing Deposits		 810 807 803 793 804 844 867 886
Long-Term Debt		 93 113 85 65 59 32 32 10
Other Long-Term Liabilities		 29 27 31 29 29 30 31 25
Total Equity & Noncontrolling Interests		 107 114 116 123 126 129 133 139
Total Preferred & Common Equity		 107 114 116 123 126 129 133 139
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 107 114 116 123 126 129 133 139
Common Stock		 46 46 46 46 46 46 46 46
Retained Earnings		 99 102 102 94 94 97 99 104
Accumulated Other Comprehensive Income / (Loss)		 -36 -30 -29 -15 -11 -11 -9.49 -8.33
Other Equity Adjustments		 -3.33 -3.22 -3.16 -3.11 -3.00 -2.95 -2.89 -2.78

Annual Metrics And Ratios for Rhinebeck Bancorp

This table displays calculated financial ratios and metrics derived from Rhinebeck Bancorp's official financial filings.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 100.00 11,133,290.00 11,133,290.00 11,296,770.00 11,284,565.00 11,072,607.00 - 11,145,681.00
DEI Adjusted Shares Outstanding		 0.00 100.00 11,133,290.00 11,133,290.00 11,296,770.00 11,284,565.00 11,072,607.00 - 11,145,681.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 43,570.00 0.54 0.53 1.02 0.62 0.40 - 0.90
Growth Metrics		 - - - - - - - - -
Revenue Growth		 0.00% 2.90% 12.76% 17.96% 4.83% 1.91% -8.35% -34.37% 85.87%
EBITDA Growth		 0.00% -15.83% 31.51% 4.30% 79.45% -36.50% -31.48% -228.18% 246.64%
EBIT Growth		 0.00% -18.62% 39.49% -0.21% 100.52% -40.66% -36.89% -294.82% 215.98%
NOPAT Growth		 0.00% 45.14% 36.86% -0.77% 95.34% -39.46% -37.19% -274.20% 231.21%
Net Income Growth		 0.00% 45.14% 36.86% -0.77% 95.34% -39.46% -37.19% -296.13% 216.53%
EPS Growth		 0.00% 0.00% 0.00% -1.79% 92.73% -39.62% -37.50% -300.00% 215.00%
Operating Cash Flow Growth		 0.00% 59.79% 40.69% 22.57% -48.45% 93.35% -52.36% 20.18% 38.64%
Free Cash Flow Firm Growth		 0.00% 0.00% -243.55% 120.08% 132.56% -142.76% -381.54% 159.42% -6.69%
Invested Capital Growth		 0.00% 34.65% 79.49% -4.97% -13.44% 14.64% 44.38% -20.31% -15.04%
Revenue Q/Q Growth		 0.00% 0.00% 1.87% 7.67% -1.71% -2.21% -1.15% -8.17% 11.54%
EBITDA Q/Q Growth		 0.00% 0.00% 6.67% 8.54% 8.49% -22.07% -0.12% -98.64% 86.58%
EBIT Q/Q Growth		 0.00% 0.00% 7.49% 11.25% 8.20% -24.74% 0.63% -70.65% 97.55%
NOPAT Q/Q Growth		 0.00% 0.00% 10.00% 11.37% 5.89% -23.75% 2.86% -70.65% 98.71%
Net Income Q/Q Growth		 0.00% 0.00% 10.00% 11.37% 5.89% -23.75% 2.86% -71.17% 98.71%
EPS Q/Q Growth		 0.00% 0.00% 40.00% 12.24% 4.95% -22.89% 2.56% -70.21% 95.74%
Operating Cash Flow Q/Q Growth		 0.00% 18.60% 12.80% 57.44% -46.85% -16.94% 23.45% 67.69% -6.43%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 274.76% -5.17% -261.71% -56.32% 471.93% 42.16%
Invested Capital Q/Q Growth		 0.00% 0.00% 12.39% -1.64% -0.23% 14.39% 23.76% 4.89% 1.46%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 25.10% 20.53% 23.95% 21.17% 36.25% 22.58% 16.89% -32.98% 26.02%
EBIT Margin		 20.22% 15.99% 19.78% 16.73% 32.01% 18.64% 12.83% -38.09% 23.77%
Profit (Net Income) Margin		 9.20% 12.97% 15.74% 13.24% 24.68% 14.66% 10.05% -30.02% 18.82%
Tax Burden Percent		 45.48% 81.12% 79.59% 79.15% 77.10% 78.65% 78.29% 78.82% 79.19%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 54.52% 18.88% 20.41% 20.85% 22.90% 21.35% 21.71% 0.00% 20.81%
Return on Invested Capital (ROIC)		 4.00% 4.95% 4.22% 3.35% 7.19% 4.37% 2.10% -3.45% 5.52%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.00% 4.95% 4.22% 3.35% 7.19% 4.37% 2.10% -4.38% 5.52%
Return on Net Nonoperating Assets (RNNOA)		 1.46% 2.68% 2.83% 1.88% 2.34% 1.61% 1.86% -3.87% 2.25%
Return on Equity (ROE)		 5.46% 7.63% 7.05% 5.23% 9.53% 5.98% 3.96% -7.32% 7.77%
Cash Return on Invested Capital (CROIC)		 0.00% -24.58% -52.66% 8.44% 21.60% -9.27% -34.22% 19.15% 21.79%
Operating Return on Assets (OROA)		 0.89% 0.66% 0.81% 0.71% 1.24% 0.68% 0.42% -0.85% 0.99%
Return on Assets (ROA)		 0.40% 0.54% 0.64% 0.56% 0.96% 0.53% 0.33% -0.67% 0.79%
Return on Common Equity (ROCE)		 5.46% 7.63% 7.05% 5.23% 9.53% 5.98% 3.96% -7.32% 7.77%
Return on Equity Simple (ROE_SIMPLE)		 5.46% 7.35% 5.43% 5.08% 9.18% 6.47% 3.87% -7.08% 7.34%
Net Operating Profit after Tax (NOPAT)		 3.00 4.36 5.96 5.92 12 7.00 4.40 -7.66 10
NOPAT Margin		 9.20% 12.97% 15.74% 13.24% 24.68% 14.66% 10.05% -26.67% 18.82%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.93% 0.00%
SG&A Expenses to Revenue		 47.73% 48.36% 55.78% 49.79% 56.98% 60.25% 60.09% 94.97% 54.37%
Operating Expenses to Revenue		 77.02% 77.76% 73.73% 67.29% 75.82% 78.40% 83.28% 128.34% 73.12%
Earnings before Interest and Taxes (EBIT)		 6.60 5.37 7.49 7.48 15 8.90 5.61 -11 13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.19 6.90 9.07 9.46 17 11 7.39 -9.47 14
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 1.15 0.82 0.96 0.95 0.78 0.88 0.98
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1.16 0.83 0.98 0.97 0.80 0.90 1.00
Price to Revenue (P/Rev)		 0.00 0.00 3.32 2.13 2.57 2.15 2.04 3.73 2.51
Price to Earnings (P/E)		 0.00 0.00 21.12 16.09 10.42 14.69 20.28 0.00 13.34
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 4.74% 6.22% 9.60% 6.81% 4.93% 0.00% 7.50%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 1.02 0.33 0.48 0.79 0.81 0.74 0.37
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 4.89 1.29 1.53 2.81 4.58 5.04 1.17
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 20.44 6.08 4.21 12.46 27.11 0.00 4.49
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 24.75 7.70 4.77 15.10 35.67 0.00 4.91
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 31.09 9.72 6.19 19.19 45.56 0.00 6.20
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 15.31 3.88 9.35 9.08 28.41 17.08 5.30
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 3.85 2.06 0.00 0.00 3.40 1.57
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 0.36 0.70 0.65 0.48 0.18 0.58 1.17 0.62 0.22
Long-Term Debt to Equity		 0.36 0.62 0.65 0.48 0.18 0.58 1.17 0.62 0.22
Financial Leverage		 0.36 0.54 0.67 0.56 0.33 0.37 0.88 0.88 0.41
Leverage Ratio		 13.50 14.22 10.97 9.29 9.94 11.18 11.94 10.91 9.89
Compound Leverage Factor		 13.50 14.22 10.97 9.29 9.94 11.18 11.94 10.91 9.89
Debt to Total Capital		 26.73% 41.33% 39.41% 32.40% 15.55% 36.77% 53.96% 38.08% 18.13%
Short-Term Debt to Total Capital		 0.00% 4.95% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 26.73% 36.38% 39.41% 32.40% 15.55% 36.77% 53.96% 38.08% 18.13%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.27% 58.67% 60.59% 67.60% 84.45% 63.23% 46.04% 61.92% 81.87%
Debt to EBITDA		 2.45 6.05 7.88 5.90 1.37 5.83 18.03 -7.91 2.18
Net Debt to EBITDA		 1.17 -1.28 6.56 -3.98 -2.88 2.92 15.04 -3.95 -5.16
Long-Term Debt to EBITDA		 2.45 5.33 7.88 5.90 1.37 5.83 18.03 -7.91 2.18
Debt to NOPAT		 6.68 9.58 11.98 9.44 2.01 8.99 30.31 -9.79 3.02
Net Debt to NOPAT		 3.20 -2.03 9.98 -6.36 -4.23 4.50 25.28 -4.89 -7.14
Long-Term Debt to NOPAT		 6.68 8.44 11.98 9.44 2.01 8.99 30.31 -9.79 3.02
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -22 -74 15 35 -15 -71 42 40
Operating Cash Flow to CapEx		 3,131.98% 751.13% 467.79% 795.13% 431.34% 1,306.98% 1,219.38% 0.00% 1,458.76%
Free Cash Flow to Firm to Interest Expense		 0.00 -4.07 -8.51 1.86 8.10 -2.20 -3.15 1.66 1.76
Operating Cash Flow to Interest Expense		 1.63 1.62 1.39 1.85 1.78 2.19 0.31 0.33 0.52
Operating Cash Flow Less CapEx to Interest Expense		 1.58 1.40 1.09 1.62 1.37 2.02 0.29 0.41 0.49
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.02 0.04
Fixed Asset Turnover		 1.92 1.97 2.14 2.40 2.46 2.52 2.41 1.81 3.85
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 75 101 181 172 149 171 247 197 167
Invested Capital Turnover		 0.44 0.38 0.27 0.25 0.29 0.30 0.21 0.13 0.29
Increase / (Decrease) in Invested Capital		 0.00 26 80 -9.01 -23 22 76 -50 -30
Enterprise Value (EV)		 0.00 0.00 185 58 72 134 200 145 62
Market Capitalization		 0.00 0.00 126 95 120 103 89 107 134
Book Value per Share		 $0.00 $592,770.00 $9.87 $10.46 $11.15 $9.58 $10.27 $10.99 $12.28
Tangible Book Value per Share		 $0.00 $575,830.00 $9.72 $10.32 $10.91 $9.35 $10.04 $10.77 $12.07
Total Capital		 75 101 181 172 149 171 247 197 167
Total Debt		 20 42 71 56 23 63 133 75 30
Total Long-Term Debt		 20 37 71 56 23 63 133 75 30
Net Debt		 9.60 -8.84 59 -38 -49 31 111 37 -72
Capital Expenditures (CapEx)		 0.17 1.15 2.59 1.87 1.77 1.13 0.58 -2.10 0.81
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.96 0.00
Net Nonoperating Obligations (NNO)		 20 42 71 56 23 63 133 75 30
Total Depreciation and Amortization (D&A)		 1.59 1.53 1.58 1.98 1.99 1.88 1.77 1.47 1.20
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.56 $0.55 $1.07 $0.65 $0.41 ($0.80) $0.93
Adjusted Weighted Average Basic Shares Outstanding		 0.00 11.13M 10.71M 10.73M 10.77M 10.84M 10.79M 10.76M 10.81M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.56 $0.55 $1.06 $0.64 $0.40 ($0.80) $0.92
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 11.13M 10.71M 10.74M 10.95M 11.00M 10.86M 10.76M 10.96M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 11.13M 11.13M 11.13M 11.30M 11.28M 11.07M 11.09M 11.14M
Normalized Net Operating Profit after Tax (NOPAT)		 4.62 4.43 5.96 5.92 12 7.00 4.69 -7.66 10
Normalized NOPAT Margin		 14.15% 13.20% 15.74% 13.24% 24.68% 14.66% 10.72% -26.67% 18.82%
Pre Tax Income Margin		 20.22% 15.99% 19.78% 16.73% 32.01% 18.64% 12.83% -38.09% 23.77%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 2.00 1.01 0.86 0.93 3.50 1.32 0.25 -0.43 0.56
NOPAT to Interest Expense		 0.91 0.82 0.68 0.74 2.70 1.04 0.19 -0.30 0.45
EBIT Less CapEx to Interest Expense		 1.95 0.79 0.56 0.70 3.08 1.15 0.22 -0.35 0.53
NOPAT Less CapEx to Interest Expense		 0.86 0.60 0.39 0.51 2.28 0.87 0.17 -0.22 0.41
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 2.03% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 2.03% 0.00% 0.00% 0.00% 0.00% 0.00% 0.95%

Quarterly Metrics And Ratios for Rhinebeck Bancorp

This table displays calculated financial ratios and metrics derived from Rhinebeck Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 11,083,897.00 11,072,607.00 11,072,607.00 11,072,607.00 11,087,607.00 - 11,094,828.00 11,098,404.00 11,105,330.00 11,145,681.00 11,140,395.00
DEI Adjusted Shares Outstanding		 11,083,897.00 11,072,607.00 11,072,607.00 11,072,607.00 11,087,607.00 - 11,094,828.00 11,098,404.00 11,105,330.00 11,145,681.00 11,140,395.00
DEI Earnings Per Adjusted Shares Outstanding		 0.11 0.08 0.10 0.09 -0.73 - 0.21 0.25 0.24 0.21 0.20
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -9.47% -4.60% -7.46% -0.07% -102.91% -24.24% 22.94% 22.94% 4,347.42% 69.12% -1.00%
EBITDA Growth		 -35.31% -0.56% 26.47% -25.75% -583.66% -292.41% 69.59% 128.35% 135.80% 208.24% -1.01%
EBIT Growth		 -41.56% 3.03% 40.96% -30.97% -752.25% -380.18% 102.98% 177.49% 132.46% 187.71% -2.60%
NOPAT Growth		 -41.34% 15.10% 40.48% -31.87% -683.28% -351.17% 104.10% 179.59% 137.38% 200.00% -3.15%
Net Income Growth		 -41.34% 15.10% 40.48% -31.87% -752.27% -385.38% 104.10% 179.59% 133.43% 188.02% -3.15%
EPS Growth		 -42.11% 12.50% 42.86% -30.77% -781.82% -366.67% 110.00% 177.78% 133.33% 187.50% -4.76%
Operating Cash Flow Growth		 -57.26% 113.57% -212.69% 804.54% -245.43% 2,136.88% 223.23% -79.71% 162.36% -22.55% -18.41%
Free Cash Flow Firm Growth		 -2,408.38% -256.34% 95.13% 125.11% 109.65% 163.77% 1,206.13% 128.00% 442.49% -33.20% -14.53%
Invested Capital Growth		 33.45% 44.38% 2.33% -8.19% -5.97% -20.31% -18.68% -20.09% -12.17% -15.04% -19.49%
Revenue Q/Q Growth		 6.06% -6.73% -1.34% 2.39% -103.09% 2,527.66% 60.11% 2.39% 6.72% -3.33% -6.28%
EBITDA Q/Q Growth		 -8.97% -21.56% 16.17% -10.49% -693.00% 68.79% 202.39% 20.52% -7.02% -5.66% -6.36%
EBIT Q/Q Growth		 -13.29% -24.57% 21.07% -12.83% -919.33% 67.60% 187.71% 19.17% -4.16% -12.44% -2.60%
NOPAT Q/Q Growth		 -13.63% -24.76% 20.54% -13.02% -839.42% 67.60% 197.95% 19.14% -1.14% -13.32% -5.14%
Net Income Q/Q Growth		 -13.63% -24.76% 20.54% -13.02% -926.87% 67.08% 186.21% 19.14% -1.14% -13.32% -5.14%
EPS Q/Q Growth		 -15.38% -18.18% 11.11% -10.00% -933.33% 68.00% 187.50% 19.05% 0.00% -16.00% -4.76%
Operating Cash Flow Q/Q Growth		 85.87% -93.49% -2,287.50% 441.91% -129.88% 200.08% 20.51% -43.71% -8.15% 24.30% 26.95%
Free Cash Flow Firm Q/Q Growth		 35.25% -53.69% 94.60% 567.37% -75.13% 915.94% -6.34% -3.66% -40.82% 25.11% 19.83%
Invested Capital Q/Q Growth		 -8.93% 23.76% -7.86% -11.59% -6.73% 4.89% -5.98% -13.13% 2.52% 1.46% -10.89%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 18.14% 15.25% 17.96% 15.70% 0.00% -38.74% 24.77% 29.16% 25.40% 24.79% 24.77%
EBIT Margin		 13.97% 11.30% 13.86% 11.80% 0.00% -41.78% 22.89% 26.64% 23.92% 21.67% 22.52%
Profit (Net Income) Margin		 10.93% 8.82% 10.78% 9.15% 0.00% -33.23% 17.89% 20.82% 19.29% 17.29% 17.50%
Tax Burden Percent		 78.28% 78.09% 77.74% 77.57% 78.28% 79.53% 78.17% 78.15% 80.62% 79.81% 77.73%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.72% 21.91% 22.26% 22.43% 0.00% 0.00% 21.83% 21.85% 19.38% 20.19% 22.27%
Return on Invested Capital (ROIC)		 2.77% 1.85% 2.06% 1.87% 0.00% -3.79% 2.70% 3.86% 5.24% 5.07% 5.58%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.77% 1.85% 2.06% 1.87% 0.00% -4.09% 2.70% 3.86% 5.24% 5.07% 5.58%
Return on Net Nonoperating Assets (RNNOA)		 1.76% 1.63% 2.05% 1.64% 0.00% -3.62% 1.93% 1.84% 1.98% 2.06% 1.46%
Return on Equity (ROE)		 4.53% 3.48% 4.11% 3.51% 0.00% -7.40% 4.63% 5.70% 7.22% 7.13% 7.04%
Cash Return on Invested Capital (CROIC)		 -26.21% -34.22% -0.20% 10.57% 3.84% 19.15% 17.39% 19.54% 15.83% 21.79% 27.56%
Operating Return on Assets (OROA)		 0.47% 0.37% 0.45% 0.39% 0.00% -0.93% 0.56% 0.70% 0.89% 0.90% 0.94%
Return on Assets (ROA)		 0.37% 0.29% 0.35% 0.30% 0.00% -0.74% 0.44% 0.55% 0.71% 0.72% 0.73%
Return on Common Equity (ROCE)		 4.53% 3.48% 4.11% 3.51% 0.00% -7.40% 4.63% 5.70% 7.22% 7.13% 7.04%
Return on Equity Simple (ROE_SIMPLE)		 4.01% 0.00% 4.13% 3.67% -4.11% 0.00% -5.92% -4.42% 3.80% 0.00% 7.19%
Net Operating Profit after Tax (NOPAT)		 1.24 0.93 1.12 0.98 -7.21 -2.34 2.29 2.73 2.70 2.34 2.22
NOPAT Margin		 10.93% 8.82% 10.78% 9.15% 0.00% -29.25% 17.89% 20.82% 19.29% 17.29% 17.50%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 1.08% 0.31% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 56.21% 60.21% 64.04% 62.06% 0.00% 91.21% 54.19% 54.33% 51.71% 57.34% 59.32%
Operating Expenses to Revenue		 77.98% 86.52% 85.34% 84.00% 0.00% 124.49% 74.35% 74.13% 69.61% 74.61% 76.92%
Earnings before Interest and Taxes (EBIT)		 1.58 1.19 1.44 1.26 -10 -3.34 2.93 3.49 3.34 2.93 2.85
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.05 1.61 1.87 1.67 -9.92 -3.09 3.17 3.82 3.55 3.35 3.14
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.70 0.78 0.82 0.75 0.84 0.88 0.87 1.01 0.95 0.98 1.24
Price to Tangible Book Value (P/TBV)		 0.72 0.80 0.84 0.77 0.85 0.90 0.88 1.03 0.97 1.00 1.26
Price to Revenue (P/Rev)		 1.70 2.04 2.18 2.03 3.28 3.73 3.51 3.88 2.64 2.51 3.23
Price to Earnings (P/E)		 17.57 20.28 19.83 20.42 0.00 0.00 0.00 0.00 24.96 13.34 17.23
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 5.69% 4.93% 5.04% 4.90% 0.00% 0.00% 0.00% 0.00% 4.01% 7.50% 5.81%
Enterprise Value to Invested Capital (EV/IC)		 0.71 0.81 0.77 0.68 0.65 0.74 0.64 0.45 0.33 0.37 0.46
Enterprise Value to Revenue (EV/Rev)		 3.19 4.58 4.10 3.21 3.87 5.04 3.78 2.16 1.14 1.17 1.30
Enterprise Value to EBITDA (EV/EBITDA)		 19.08 27.11 22.64 19.11 0.00 0.00 0.00 0.00 7.32 4.49 4.99
Enterprise Value to EBIT (EV/EBIT)		 25.30 35.67 29.19 25.15 0.00 0.00 0.00 0.00 8.48 4.91 5.49
Enterprise Value to NOPAT (EV/NOPAT)		 33.03 45.56 37.33 32.27 0.00 0.00 0.00 0.00 10.77 6.20 6.94
Enterprise Value to Operating Cash Flow (EV/OCF)		 24.72 28.41 398.44 12.40 23.98 17.08 7.23 10.72 4.34 5.30 6.32
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 6.19 16.30 3.40 3.28 2.05 1.95 1.57 1.50
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.87 1.17 0.99 0.73 0.53 0.62 0.47 0.25 0.24 0.22 0.07
Long-Term Debt to Equity		 0.87 1.17 0.99 0.73 0.53 0.62 0.47 0.25 0.24 0.22 0.07
Financial Leverage		 0.63 0.88 1.00 0.88 0.69 0.88 0.72 0.48 0.38 0.41 0.26
Leverage Ratio		 12.22 11.94 11.78 11.68 11.26 10.91 10.63 10.40 10.10 9.89 9.60
Compound Leverage Factor		 12.22 11.94 11.78 11.68 11.26 10.91 10.63 10.40 10.10 9.89 9.60
Debt to Total Capital		 46.53% 53.96% 49.77% 42.23% 34.61% 38.08% 31.91% 19.76% 19.28% 18.13% 6.92%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 46.53% 53.96% 49.77% 42.23% 34.61% 38.08% 31.91% 19.76% 19.28% 18.13% 6.92%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 53.47% 46.04% 50.23% 57.77% 65.39% 61.92% 68.09% 80.24% 80.72% 81.87% 93.08%
Debt to EBITDA		 12.55 18.03 14.56 11.80 -13.62 -7.91 -7.23 -5.27 4.27 2.18 0.74
Net Debt to EBITDA		 8.93 15.04 10.61 7.01 -3.89 -3.95 -1.04 9.61 -9.64 -5.16 -7.41
Long-Term Debt to EBITDA		 12.55 18.03 14.56 11.80 -13.62 -7.91 -7.23 -5.27 4.27 2.18 0.74
Debt to NOPAT		 21.73 30.31 24.00 19.93 -14.47 -9.79 -8.92 -6.28 6.28 3.02 1.03
Net Debt to NOPAT		 15.46 25.28 17.50 11.85 -4.13 -4.89 -1.29 11.45 -14.19 -7.14 -10.29
Long-Term Debt to NOPAT		 21.73 30.31 24.00 19.93 -14.47 -9.79 -8.92 -6.28 6.28 3.02 1.03
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -49 -75 -4.05 19 4.71 48 45 43 26 32 38
Operating Cash Flow to CapEx		 1,205.39% 66.67% 0.00% 12,596.84% -7,450.00% 969.92% 3,718.10% 1,334.07% 1,238.89% 847.71% 1,861.90%
Free Cash Flow to Firm to Interest Expense		 -8.30 -11.64 -0.60 2.85 0.74 8.23 7.99 8.20 4.46 5.42 7.06
Operating Cash Flow to Interest Expense		 0.42 0.02 -0.52 1.80 -0.56 0.62 0.77 0.46 0.39 0.47 0.65
Operating Cash Flow Less CapEx to Interest Expense		 0.38 -0.01 -0.13 1.79 -0.57 0.55 0.75 0.43 0.36 0.42 0.61
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.02 0.02 0.02 0.03 0.04 0.04 0.04
Fixed Asset Turnover		 2.40 2.41 2.60 2.64 1.95 1.81 2.18 2.38 3.44 3.85 3.89
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 200 247 227 201 188 197 185 161 165 167 149
Invested Capital Turnover		 0.25 0.21 0.19 0.20 0.16 0.13 0.15 0.19 0.27 0.29 0.32
Increase / (Decrease) in Invested Capital		 50 76 5.17 -18 -12 -50 -42 -40 -23 -30 -36
Enterprise Value (EV)		 141 200 176 138 121 145 118 72 54 62 69
Market Capitalization		 75 89 94 87 103 107 109 130 126 134 172
Book Value per Share		 $9.62 $10.27 $10.32 $10.49 $11.06 $10.99 $11.35 $11.62 $11.98 $12.28 $12.45
Tangible Book Value per Share		 $9.40 $10.04 $10.10 $10.27 $10.85 $10.77 $11.14 $11.41 $11.77 $12.07 $12.24
Total Capital		 200 247 227 201 188 197 185 161 165 167 149
Total Debt		 93 133 113 85 65 75 59 32 32 30 10
Total Long-Term Debt		 93 133 113 85 65 75 59 32 32 30 10
Net Debt		 66 111 83 50 19 37 8.51 -58 -72 -72 -103
Capital Expenditures (CapEx)		 0.20 0.24 -2.61 0.10 0.05 0.37 0.12 0.18 0.18 0.33 0.19
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.85 0.32 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 93 133 113 85 65 75 59 32 32 30 10
Total Depreciation and Amortization (D&A)		 0.47 0.42 0.43 0.42 0.38 0.24 0.24 0.33 0.21 0.42 0.29
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.12 $0.09 $0.10 $0.09 ($0.75) ($0.24) $0.21 $0.25 $0.25 $0.22 $0.20
Adjusted Weighted Average Basic Shares Outstanding		 10.71M 10.79M 10.75M 10.75M 10.76M 10.76M 10.78M 10.79M 10.81M 10.81M 10.84M
Adjusted Diluted Earnings per Share		 $0.11 $0.09 $0.10 $0.09 ($0.75) ($0.24) $0.21 $0.25 $0.25 $0.21 $0.20
Adjusted Weighted Average Diluted Shares Outstanding		 10.76M 10.86M 10.84M 10.82M 10.76M 10.76M 10.92M 10.95M 10.98M 10.96M 10.98M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.07M 11.07M 11.07M 11.09M 11.09M 11.09M 11.10M 11.11M 11.15M 11.14M 11.17M
Normalized Net Operating Profit after Tax (NOPAT)		 1.24 0.93 1.12 0.98 -7.21 -2.34 2.29 2.73 2.70 2.34 2.22
Normalized NOPAT Margin		 10.93% 8.82% 10.78% 9.15% 0.00% -29.25% 17.89% 20.82% 19.29% 17.29% 17.50%
Pre Tax Income Margin		 13.97% 11.30% 13.86% 11.80% 0.00% -41.78% 22.89% 26.64% 23.92% 21.67% 22.52%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.27 0.18 0.21 0.19 -1.62 -0.57 0.52 0.66 0.58 0.50 0.53
NOPAT to Interest Expense		 0.21 0.14 0.17 0.15 -1.14 -0.40 0.41 0.52 0.47 0.40 0.41
EBIT Less CapEx to Interest Expense		 0.23 0.15 0.60 0.18 -1.63 -0.64 0.50 0.63 0.55 0.44 0.49
NOPAT Less CapEx to Interest Expense		 0.18 0.11 0.55 0.13 -1.14 -0.47 0.39 0.48 0.44 0.34 0.37
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.95% 3.16%

Financials Breakdown Chart

Key Financial Trends

Rhinebeck Bancorp (NASDAQ: RBKB) posted a solid start to 2026, with improved profitability and strong operating cash flow, but the quarter also showed ongoing balance-sheet and funding pressures that investors should keep an eye on.

  • Q1 2026 net income rose to $2.2 million, up from $2.0 million in Q1 2025, showing year-over-year earnings improvement.
  • Operating cash flow was strong at $3.5 million in Q1 2026, well above the $4.3 million generated in Q1 2025, despite a seasonal decline from the prior quarter.
  • Net interest income increased to $11.2 million in Q1 2026 from $11.0 million a year earlier, helped by stable loan income and manageable interest expense.
  • Total revenue improved to $12.7 million in Q1 2026 versus $12.8 million in Q1 2025, while non-interest income held up reasonably well at $1.5 million.
  • The company ended Q1 2026 with $138.6 million in common equity, a modest increase from $126.0 million a year earlier, indicating a stronger capital base.
  • Loans and leases net remained substantial at $936.8 million, supporting core banking earnings power.
  • Loan-loss provisioning was modest at $71 thousand in Q1 2026, suggesting credit costs were contained in the quarter.
  • The balance sheet remains large and liquid, with significant holdings in federal funds sold and trading securities, which can support flexibility but may also reflect a conservative deployment of assets.
  • Interest-bearing deposits still represent a large funding cost, with deposit interest expense of $5.2 million in Q1 2026.
  • Long-term debt and other liabilities remain meaningful, and the company repaid $20.0 million of debt in Q1 2026, keeping financing activity a notable drag on cash flow.
  • Net cash from financing activities was negative $15.5 million in Q1 2026, pressured by deposit changes, debt repayment, and other financing outflows.
  • Profitability remains below the stronger levels seen in parts of 2025, when quarterly net income reached as high as $2.7 million to $2.9 million.

Trend takeaway: RBKB appears to be stabilizing after a volatile 2024, when some quarters showed sharp earnings pressure and negative cash generation. The recent pattern is more constructive: earnings are positive again, operating cash flow is healthy, and equity has improved. Still, funding costs, debt management, and swings in investment-related cash flows remain important risks for retail investors to watch.

07/10/26 09:41 PM ETAI Generated. May Contain Errors.

Rhinebeck Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Rhinebeck Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Rhinebeck Bancorp's net income appears to be on a downward trend, with a most recent value of $10.05 million in 2025, rising from $3.00 million in 2017. The previous period was -$8.62 million in 2024. Find out what analysts predict for Rhinebeck Bancorp in the coming months.

Over the last 8 years, Rhinebeck Bancorp's total revenue changed from $32.64 million in 2017 to $53.36 million in 2025, a change of 63.5%.

Rhinebeck Bancorp's total liabilities were at $1.16 billion at the end of 2025, a 2.7% increase from 2024, and a 69.5% increase since 2017.

In the past 8 years, Rhinebeck Bancorp's cash and equivalents has ranged from $10.46 million in 2017 to $93.49 million in 2020, and is currently $15.89 million as of their latest financial filing in 2025.

Over the last 8 years, Rhinebeck Bancorp's book value per share changed from 0.00 in 2017 to 12.28 in 2025, a change of 1,227.9%.


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Financial statements for NASDAQ:RBKB last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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