RBKBNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
Rhinebeck Bancorp, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$12.69−0.16 (-1.25%)
Close on Oct 19, 2026
- Market cap
- $139.06M
- P/E (TTM)
- 14.1
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2016 to 2025
Net margin
336.6%+76.7 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -0.6% | +1.8% | +5.6% | – | |
| Net income | – | +12.8% | +11.2% | – | |
| EPS, diluted | – | +12.9% | +10.8% | – | |
| Free cash flow | +41.9% | -7.3% | -3.4% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 5.2% | 7.8% | |
| Return on assets | – | 0.6% | 0.8% | |
| Capex to revenue | – | 82.0% | 28.5% | |
| Diluted shares | – | 11M | 11M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Rhinebeck Bancorp generated $49.71M from operations and spent $5.22M on capital expenditure, dividends and share buybacks. 98% of that went back into the business.
Generated
$49.71M
Used
$5.22M
Capital expenditure$5.13M98%Dividends$00%Share buybacks$95.00K2%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin336.6%
×Asset turnover0.00×
×Equity multiplier9.89×
=Return on equity, FY20257.8%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 336.6% | 0.00× | 9.89× | 7.8% |
| FY2024 | -287.1% | 0.00× | 10.91× | -7.3% |
| FY2023 | 152.6% | 0.00× | 11.94× | 4.0% |
| FY2022 | 247.3% | 0.00× | 11.18× | 6.0% |
| FY2021 | 447.3% | 0.00× | 9.94× | 9.5% |
| FY2020 | 260.0% | 0.00× | 9.29× | 5.2% |
| FY2019 | 211.2% | 0.00× | 10.97× | 7.1% |
| FY2018 | 155.3% | 0.00× | 14.22× | 7.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$10.05M
- Cash generatingOperating cash flow above zero$11.74M
- Return on assets improvedROA up on the prior year-0.7% → 0.8%
- Earnings backed by cashOperating cash flow above net income$11.74M vs $10.05M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise11M → 11M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00