Rhinebeck Bancorp, Inc. RBKB

Financials SIC 6036 - Savings Institutions, Not Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

Rhinebeck Bancorp, Inc.

Rhinebeck Bancorp, Inc., (the "Company") a Maryland corporation, was incorporated in August 2018. On January 16, 2019, the Company became the holding company for Rhinebeck Bank (the "Bank") when it completed the reorganization of the Company and the Bank into a two-tier mutual holding company form of organization. The Company is regulated by the Board of Governors of the Federal Reserve System (the "Federal Reserve Board") and the New York State Department of Financial Services (the "NYSDFS"). The consolidated financial results contained herein reflect the consolidated accounts of the Company and the Bank.

Rhinebeck Bancorp, MHC, a New York-chartered non-stock corporation, is a mutual holding company that owns 57.0% of the outstanding common stock of Rhinebeck Bancorp, Inc.

Last close 12.93 2026-10-23
Market cap $202.2M 2026-06-30 share count
52-week range 9.41 - 17.99

Valuation FY2025 figures against the last close

P/S67.8x
P/E14.1x
P/FCF18.6x
EV/EBITDA—
Dividend yield—
Diluted EPS0.92

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $3.0M$3.0M$2.9M$2.8M$2.6M$2.3M$2.8M$2.8M$2.4M—
Interest expense $46.4M$37.7M$38.0M$6.8M$4.3M$8.0M$8.7M$5.3M$3.3M—
Pre-tax income $12.7M-$10.9M$5.6M$8.9M$15.0M$7.5M$7.5M$5.4M$6.6M—
Income tax $2.6M$2.3M$1.2M$1.9M$3.4M$1.6M$1.5M$1.0M$3.6M—
Net income $10.0M-$8.6M$4.4M$7.0M$11.6M$5.9M$6.0M$4.4M$3.0M—
EPS, basic 0.93-0.800.410.651.070.550.56———
EPS, diluted 0.92-0.800.400.641.060.550.56———
Shares, diluted (wtd. avg.) 11.0M10.8M10.9M11.0M11.0M10.7M10.7M———

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $102.0M$37.5M$22.1M$31.4M$72.1M$93.5M$12.0M$50.6M$10.5M$13.0M
Property, plant and equipment $13.6M$14.1M$17.6M$18.7M$19.2M$18.8M$18.3M$17.0M$17.0M—
Goodwill $2.2M$2.2M$2.2M$2.2M$2.2M$1.4M$1.4M$1.4M$1.5M$2.8M
Other intangibles $106.0K$166.0K$246.0K$334.0K$433.0K$199.0K$241.0K$284.0K$326.0K$727.0K
Total assets $1.30B$1.26B$1.31B$1.34B$1.28B$1.13B$973.9M$882.4M$742.1M—
Total liabilities $1.16B$1.13B$1.20B$1.23B$1.16B$1.01B$864.1M$823.1M$687.1M—
Retained earnings $101.8M$91.8M$100.4M$96.6M$89.6M$78.1M$72.2M$66.2M$61.8M—
Total equity $136.9M$121.8M$113.7M$108.1M$126.0M$116.5M$109.9M$59.3M$55.0M$52.5M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $11.7M$8.5M$7.0M$14.8M$7.7M$14.8M$12.1M$8.6M$5.4M—
Depreciation and amortisation $1.3M$1.3M$1.4M$1.6M$1.6M$1.4M————
Stock-based compensation $39.0K$19.0K$396.0K$615.0K$618.0K$217.0K————
Capital expenditure $850.0K$791.0K$578.0K$1.1M$1.8M$1.9M$2.6M$1.1M$697.0K—
Investing cash flow $21.2M$74.7M$14.7M-$123.6M-$135.7M-$74.1M-$132.1M-$104.1M-$24.0M—
Financing cash flow $31.6M-$67.9M-$31.0M$68.1M$106.7M$140.8M$81.4M$135.6M$16.1M—
Buybacks $95.0K—————————

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001751783-26-000005.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -10M 0 10M 20M Revenue, FY2017: 2.4M Net income, FY2017: 3M Revenue, FY2018: 2.8M Net income, FY2018: 4.4M Revenue, FY2019: 2.8M Net income, FY2019: 6M Revenue, FY2020: 2.3M Net income, FY2020: 5.9M Revenue, FY2021: 2.6M Net income, FY2021: 11.6M Revenue, FY2022: 2.8M Net income, FY2022: 7M Revenue, FY2023: 2.9M Net income, FY2023: 4.4M Revenue, FY2024: 3M Net income, FY2024: -8.6M Revenue, FY2025: 3M Net income, FY2025: 10M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — $2.4M $2.8M $2.8M $2.3M $2.6M $2.8M $2.9M $3.0M $3.0M
Gross profit — — — — — — — — — —
Net income — $3.0M $4.4M $6.0M $5.9M $11.6M $7.0M $4.4M -$8.6M $10.0M

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Officer or director change Item 5.02
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Other event Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Other event Item 8.01
  • Shareholder vote Item 5.07
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Results announced Item 2.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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