Rhinebeck Bancorp, Inc.
RBKB Nasdaq· Savings Institutions, Not Federally Chartered
Last close · Oct 23, 2026
$12.93
KIRA · Stoqly’s AI analyst, in plain words
- Rhinebeck Bancorp, Inc. had $3.0M of revenue in fiscal 2025, down 0.6% on the year before. Over five years, revenue changed +5.6% a year on average.
- Rhinebeck Bancorp, Inc. made $10.0M of net profit in fiscal 2025.
- Rhinebeck Bancorp, Inc. returned $0.1M to shareholders in fiscal 2025, 1% of free cash flow. The diluted share count rose 1.9%.
- It earned 7.8% on shareholders’ money. Running costs took 1,307.6% of revenue (the efficiency ratio; lower is better).
Market cap
$142M
P/E
14.4x
Revenue
$3.0M
Net income
$10.0M
Return on equity
7.8%
Efficiency ratio
1,307.6%
Rhinebeck Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−0.6%
No. Sales fell 0.6% last year.
Does it make a profit?
336.6%
Yes. It keeps 336.6% of every sale as profit.
How lean are its costs?
1,307.6%
Costly. Running costs take 1,307.6% of revenue.
How much does it earn on its capital?
7.8%
Low. It earns 7.8% a year on shareholders’ money.
How is the share priced?
14.4x
One share costs 14.4 times its yearly profit per share.
What Rhinebeck Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- Rhinebeck Bancorp, Inc.
- CIK
- 0001751783
Rhinebeck Bancorp, Inc. · RBKB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $2.6M | $2.8M | $2.9M | $3.0M | $3.0M |
| Revenue growth | 13.5% | 9.5% | 1.8% | 4.2% | −0.6% |
| Net interest income | $39.4M | $41.8M | $38.0M | $37.7M | $46.4M |
| Net income | $11.6M | $7.0M | $4.4M | −$8.6M | $10.0M |
| Net margin | 447.3% | 247.3% | 152.6% | −287.1% | 336.6% |
| Diluted EPS | $1.06 | $0.64 | $0.40 | −$0.80 | $0.92 |
| Cash | |||||
| Cash from operations | $7.7M | $14.8M | $7.0M | $8.5M | $11.7M |
| Capital expenditure | $1.8M | $1.1M | $0.6M | $0.8M | $0.9M |
| Free cash flow | $5.9M | $13.7M | $6.5M | $7.7M | $10.9M |
| FCF margin | 227.5% | 483.0% | 224.7% | 255.8% | 365.0% |
| Share buybacks | — | — | — | — | $0.1M |
| Share count change | 2.0% | 0.5% | −1.4% | −0.9% | 1.9% |
| Debt and strength | |||||
| Cash and short-term investments | $72.1M | $31.4M | $22.1M | $37.5M | $102M |
| Loans, net | $855M | $994M | $1.0B | $972M | $953M |
| Deposits | $1.1B | $1.1B | $1.0B | $1.0B | $1.1B |
| Shareholders' equity | $126M | $108M | $114M | $122M | $137M |
| Returns and quality | |||||
| Return on equity | 9.5% | 6.0% | 4.0% | −7.3% | 7.8% |
| Return on tangible equity | 9.4% | 6.6% | 4.0% | −7.2% | 7.5% |
| Efficiency ratio | 1,374.3% | 1,322.8% | 1,264.9% | 1,227.4% | 1,307.6% |
Insiders bought, 12 months
$0.7M
5 insiders
Insiders sold, 12 months
$0.1M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Rhinebeck Bancorp, Inc. · RBKB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $12.93 a share, the company is worth $142M: 14.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001751783). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.