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
- –
Rhinebeck Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institutions, Not Federally Chartered companies for comparison
Valuation
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Market Cap | $198.42M | $679.86M |
| Enterprise Value | -$106.14M | $408.94M |
| PE Ratio | 14.10 | 11.99 |
| PS Ratio | 66.34 | 3.59 |
| PB Ratio | 1.42 | 1.18 |
| P/TBV Ratio | 1.45 | 1.41 |
| P/FCF Ratio | 15.60 | 10.89 |
| P/OCF Ratio | 14.06 | 10.01 |
Enterprise value
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| EV / Sales | -35.49 | 2.76 |
| EV / FCF | -8.35 | 8.23 |
Income (trailing twelve months)
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Revenue | $2.99M | $170.85M |
| Pretax Income | $12.50M | $70.12M |
| Net Income | $9.86M | $54.33M |
| EPS (Diluted) | $0.90 | $2.91 |
Margins
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 417.9% | 36.5% |
| Profit Margin | 329.8% | 29.1% |
| FCF Margin | 425.2% | 33.2% |
Returns
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 7.35% | 10.6% |
| Return on Assets (ROA) | 0.72% | 1.12% |
Growth
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | -1.09% | 11.8% |
| FCF Growth (YoY) | 111.0% | 28.5% |
| Revenue Growth (3Y CAGR) | 1.79% | 5.82% |
| Revenue Growth (5Y CAGR) | 5.57% | 6.17% |
| EPS Growth (3Y CAGR) | 12.9% | 1.31% |
| EPS Growth (5Y CAGR) | 10.8% | 8.24% |
Balance sheet
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $304.56M | $205.54M |
| Net Cash (Debt) | $304.56M | $164.40M |
| Net Cash Per Share | $19.48 | $8.13 |
| Equity (Book Value) | $139.60M | $563.88M |
| Book Value Per Share | $8.93 | $28.47 |
| Tangible Book Value | $137.28M | $475.36M |
Cash flow (trailing twelve months)
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $14.11M | $61.52M |
| Capital Expenditures | -$1.39M | -$4.08M |
| Free Cash Flow | $12.72M | $52.15M |
| FCF Per Share | $0.81 | $3.05 |
Efficiency
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.00 | 0.04 |
| Revenue Per Employee | $18.93K | $353.78K |
| Profits Per Employee | $62.42K | $107.28K |
| Employee Count | 158 | 489 |
Dividends and yields
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 4.97% | 8.13% |
| FCF Yield | 6.41% | 8.91% |
Shares
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 15,636,000 | 18,839,100 |
| Shares Change (YoY) | 1.09% | 0.40% |
| Shares Change (QoQ) | 0.25% | 0.00% |
| Float | 15,095,800 | 17,061,900 |
| Shares Held by Insiders | 3.45% | 5.89% |
| Shares Held by Institutions | 14.2% | 61.9% |
Taxes
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Income Tax | $2.64M | $14.50M |
| Effective Tax Rate | 21.1% | 21.1% |
Scores
| Measure | Rhinebeck Bancorp | Industry median |
|---|---|---|
| Graham Number | $13.45 | $45.31 |
| Graham Upside | 5.96% | 21.9% |
| Altman Z-Score | 0.19 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Rhinebeck Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.