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Rhinebeck Bancorp, Inc.

RBKB Nasdaq Savings Institutions, Not Federally Chartered Financials FY2017–FY2025

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.

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Last close Β· Oct 23, 2026

$12.93

0.0%

What Rhinebeck Bancorp, Inc. does

RBKB Β· Savings Institutions, Not Federally Chartered

From its latest annual report

No business description yet.

Filing details

Legal name
Rhinebeck Bancorp, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Mar 13, 2026
Accession Β· CIK
0001751783-26-000005 Β· 0001751783

Earnings calendar Β· Rhinebeck Bancorp, Inc.

Every quarter, companies publish how much they sold and earned. These are the days Rhinebeck Bancorp, Inc. did it, and the next one. Share prices often move a lot on those days.

Next results

October 27, 2026

Tuesday Β· tomorrow

Time
Time not announced
Covers
Period ended Sep 30, 2026
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Jul 23, 2026 Q2 '26 After the market closes 8-K β†—
Apr 23, 2026 Q1 '26 After the market closes 8-K β†—
Jan 29, 2026 Q4 '25 After the market closes 8-K β†—
Oct 28, 2025 Q3 '25 After the market closes 8-K β†—
Jul 24, 2025 Q2 '25 After the market closes 8-K β†—
Apr 24, 2025 Q1 '25 After the market closes 8-K β†—
Jan 30, 2025 Q4 '24 After the market closes 8-K β†—
Oct 24, 2024 Q3 '24 After the market closes 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

KIRA’s summary AI analyst

Hi! I read Rhinebeck Bancorp, Inc.’s latest annual report (fiscal 2025). Here is what stands out:

1 strength 2 to watch

1.Sales and profit

See section β†’
  • 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.

2.Cash and shareholders

See section β†’
  • Rhinebeck Bancorp, Inc. returned $0.1M to shareholders in fiscal 2025, 1% of free cash flow. The diluted share count rose 1.9%.
  • In the last 12 months, insiders bought $0.7M and sold $0.1M of shares on the open market.

Rhinebeck Bancorp, Inc. in 30 seconds

Good So-so Weak

Weak

Are sales growing?

βˆ’0.6%

No. Sales fell 0.6% last year.

Good

Does it make a profit?

336.6%

Yes. It keeps 336.6% of every sale as profit.

Weak

How lean are its costs?

1,307.6%

Costly. Running costs take 1,307.6% of revenue.

Weak

How much does it earn on its capital?

7.8%

Low. It earns 7.8% a year on shareholders’ money.

For information

How is the share priced?

14.4x

One share costs 14.4 times its yearly profit per share.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$142M
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
14.4x
On $0.90 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· 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.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned 7.8% on shareholders’ money. Running costs took 1,307.6% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Rhinebeck Bancorp, Inc. made $10.0M of net profit in fiscal 2025.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned 7.8% on shareholders’ money. Running costs took 1,307.6% of revenue (the efficiency ratio; lower is better).

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Revenue and margins

KIRA Β· 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.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue

Revenue

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net income and earnings per share

KIRA Β· Rhinebeck Bancorp, Inc. made $10.0M of net profit in fiscal 2025.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

KIRA Β· Rhinebeck Bancorp, Inc. returned $0.1M to shareholders in fiscal 2025, 1% of free cash flow. The diluted share count rose 1.9%.

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

KIRA Β· In the last 12 months, insiders bought $0.7M and sold $0.1M of shares on the open market.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.7M

5 insiders

Sold, 12 months

$0.1M

1 insider

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
Aug 6, 2026 Michael VitaleEVP, Head of Comm Banking Bought 4,834 $12.35 $0.1M Form 4
Jul 22, 2026 Matthew James SmithPresident & CEO, Director Bought 12,425 $12.00 $0.1M Form 4
Jul 22, 2026 Michael VitaleEVP, Head of Comm Banking Bought 5,000 $11.94 $0.1M Form 4
Jul 22, 2026 Nancy Koskey PatzwahlDirector Bought 25,000 $11.94 $0.3M Form 4
Jul 22, 2026 Suzanne LoughlinDirector Bought 12,500 $11.93 $0.1M Form 4
May 19, 2026 Philip J Bronzi1st SVP, Com Mkt Pres Sold 4,162 $15.92 $0.1M Form 4
Dec 3, 2025 Philip J BronziChief Lending Officer Sold 5,046 $11.08 $0.1M Form 4
Nov 6, 2025 Kevin M NihillCFO and Treasurer Bought 1,000 $9.67 $0.0M Form 4

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Loans and deposits

Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $855M$994M$1.0B$972M$953M
Deposits $1.1B$1.1B$1.0B$1.0B$1.1B
Loans / deposits 77.6%88.0%97.9%95.2%86.9%
Total assets $1.3B$1.3B$1.3B$1.3B$1.3B
Shareholders' equity $126M$108M$114M$122M$137M
Goodwill $2.2M$2.2M$2.2M$2.2M$2.2M
Intangible assets $0.4M$0.3M$0.2M$0.2M$0.1M
Provision / loans βˆ’0.4%0.1%0.2%0.3%0.2%

Returns and efficiency

KIRA Β· It earned 7.8% on shareholders’ money. Running costs took 1,307.6% of revenue (the efficiency ratio; lower is better).

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

All figures

Every number, year by year.

9 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $2.4M $2.8M $2.8M $2.3M $2.6M $2.8M $2.9M $3.0M $3.0M
Net interest income $24.6M $28.4M $32.2M $36.4M $39.4M $41.8M $38.0M $37.7M $46.4M
Noninterest income $8.1M $5.2M $5.6M $8.3M $7.4M $5.9M $5.8M βˆ’$9.0M $7.0M
Noninterest expense $25.1M $26.1M $27.9M $30.1M $35.5M $37.4M $36.4M $36.8M $39.0M
Provision for credit losses $0.9M $2.1M $2.5M $7.1M βˆ’$3.7M $1.4M $1.7M $2.8M $1.7M
Interest expense $3.3M $5.3M $8.7M $8.0M $4.3M $6.8M $22.7M β€” β€”
Pretax income $6.6M $5.4M $7.5M $7.5M $15.0M $8.9M $5.6M βˆ’$10.9M $12.7M
Income tax $3.6M $1.0M $1.5M $1.6M $3.4M $1.9M $1.2M βˆ’$2.3M $2.6M
Net income $3.0M $4.4M $6.0M $5.9M $11.6M $7.0M $4.4M βˆ’$8.6M $10.0M
Diluted EPS β€” β€” $0.56 $0.55 $1.06 $0.64 $0.40 βˆ’$0.80 $0.92
Diluted shares β€” β€” 0.01B 0.01B 0.01B 0.01B 0.01B 0.01B 0.01B
Cash flow
Cash from operations $5.4M $8.6M $12.1M $14.8M $7.7M $14.8M $7.0M $8.5M $11.7M
Capital expenditure $0.7M $1.1M $2.6M $1.9M $1.8M $1.1M $0.6M $0.8M $0.9M
Free cash flow $4.7M $7.5M $9.5M $13.0M $5.9M $13.7M $6.5M $7.7M $10.9M
Depreciation and amortization β€” β€” β€” $1.4M $1.6M $1.6M $1.4M $1.3M $1.3M
Stock-based compensation β€” β€” β€” $0.2M $0.6M $0.6M $0.4M $0.0M $0.0M
Share buybacks β€” β€” β€” β€” β€” β€” β€” β€” $0.1M
Dividends and buybacks β€” β€” β€” β€” β€” β€” β€” β€” $0.1M
Balance sheet
Cash and short-term investments $10.5M $50.6M $12.0M $93.5M $72.1M $31.4M $22.1M $37.5M $102M
Loans, net $566M $678M $793M $874M $855M $994M $1.0B $972M $953M
Deposits $650M $684M $773M $929M $1.1B $1.1B $1.0B $1.0B $1.1B
Property and equipment, net $17.0M $17.0M $18.3M $18.8M $19.2M $18.7M $17.6M $14.1M $13.6M
Goodwill $1.5M $1.4M $1.4M $1.4M $2.2M $2.2M $2.2M $2.2M $2.2M
Intangible assets $0.3M $0.3M $0.2M $0.2M $0.4M $0.3M $0.2M $0.2M $0.1M
Total assets $742M $882M $974M $1.1B $1.3B $1.3B $1.3B $1.3B $1.3B
Total liabilities $687M $823M $864M $1.0B $1.2B $1.2B $1.2B $1.1B $1.2B
Shareholders' equity $55.0M $59.3M $110M $116M $126M $108M $114M $122M $137M
Margins
Net margin 124.8% 155.3% 211.2% 260.0% 447.3% 247.3% 152.6% βˆ’287.1% 336.6%
FCF margin 194.9% 265.9% 337.2% 570.2% 227.5% 483.0% 224.7% 255.8% 365.0%
Net interest share of revenue 1,021.9% 1,012.5% 1,141.9% 1,598.2% 1,525.3% 1,478.8% 1,318.2% 1,255.7% 1,554.7%
Efficiency ratio 1,045.1% 930.9% 988.8% 1,321.0% 1,374.3% 1,322.8% 1,264.9% 1,227.4% 1,307.6%
Returns
Return on equity 5.5% 7.6% 7.1% 5.2% 9.5% 6.0% 4.0% βˆ’7.3% 7.8%
Return on assets 0.4% 0.5% 0.6% 0.6% 1.0% 0.5% 0.3% βˆ’0.7% 0.8%
Return on tangible equity 5.6% 7.6% 5.5% 5.2% 9.4% 6.6% 4.0% βˆ’7.2% 7.5%
Growth
Revenue growth β€” 16.6% 0.6% βˆ’19.4% 13.5% 9.5% 1.8% 4.2% βˆ’0.6%
Net income growth β€” 45.1% 36.9% βˆ’0.8% 95.3% βˆ’39.5% βˆ’37.2% βˆ’296.1% β€”
EPS growth β€” β€” β€” βˆ’1.8% 92.7% βˆ’39.6% βˆ’37.5% βˆ’300.0% β€”
FCF growth β€” 59.1% 27.6% 36.3% βˆ’54.7% 132.4% βˆ’52.6% 18.7% 41.9%
Share count change β€” β€” β€” 0.3% 2.0% 0.5% βˆ’1.4% βˆ’0.9% 1.9%
Financial health
Loans / deposits 87.1% 99.1% 102.6% 94.0% 77.6% 88.0% 97.9% 95.2% 86.9%
Provision / loans 0.2% 0.3% 0.3% 0.8% βˆ’0.4% 0.1% 0.2% 0.3% 0.2%
Capital allocation
Capex / revenue 29.0% 40.8% 91.7% 82.0% 68.7% 40.0% 20.1% 26.3% 28.5%
Stock comp / revenue β€” β€” β€” 9.5% 23.9% 21.7% 13.8% 0.6% 1.3%
Payouts / FCF β€” β€” β€” β€” β€” β€” β€” β€” 0.9%
Quality scores
Accruals ratio βˆ’0.3% βˆ’0.5% βˆ’0.7% βˆ’0.8% 0.3% βˆ’0.6% βˆ’0.2% βˆ’1.3% βˆ’0.1%

Source: SEC EDGAR XBRL filings (CIK 0001751783). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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