Growth & profitability
- Revenue has grown 5.6% per year over the past 5 years.
- Net income has grown faster than revenue (11.2% vs 5.6% per year).
- Free cash flow has declined 3.4% per year over the past 5 years.
RBKB Financials Rhinebeck Bancorp, Inc.
9 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| 2025 | $3M | $10M | 0.0% | 0.0% | $11M | — | $102M |
| 2024 | $3M | -$9M | 0.0% | 0.0% | $8M | — | $37M |
| 2023 | $3M | $4M | 0.0% | 0.0% | $6M | — | $22M |
| 2022 | $3M | $7M | 0.0% | 0.0% | $14M | — | $31M |
| 2021 | $3M | $12M | 0.0% | 0.0% | $6M | — | $72M |
| 2020 | $2M | $6M | 0.0% | 0.0% | $13M | — | $93M |
| 2019 | $3M | $6M | 0.0% | 0.0% | $10M | — | $12M |
| 2018 | $3M | $4M | 0.0% | 0.0% | $7M | — | $51M |
| 2017 | $2M | $3M | 0.0% | 0.0% | $5M | — | $10M |
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| Mar '26 | $764000 | $2M | 0.0% | 0.0% | $3M | — | $113M |
| Dec '25 | $744000 | $2M | 0.0% | 0.0% | $2M | — | $102M |
| Sep '25 | $739000 | $3M | 0.0% | 0.0% | $2M | — | $103M |
| Jun '25 | $728000 | $3M | 0.0% | 0.0% | $2M | — | $90M |
| Mar '25 | $773000 | $2M | 0.0% | 0.0% | $4M | — | $51M |
| Dec '24 | $750000 | -$3M | 0.0% | 0.0% | $3M | — | $37M |
| Sep '24 | $773000 | -$8M | 0.0% | 0.0% | -$4M | — | $46M |
| Jun '24 | $736000 | $975000 | 0.0% | 0.0% | $12M | — | $34M |
| Mar '24 | $743000 | $1M | 0.0% | 0.0% | -$4M | — | $31M |
| Dec '23 | $716000 | $930000 | 0.0% | 0.0% | -$80000 | — | $22M |
| Sep '23 | $738000 | $1M | 0.0% | 0.0% | $2M | — | $27M |
| Jun '23 | $718000 | $1M | 0.0% | 0.0% | $1M | — | $54M |
| Mar '23 | $708000 | $798000 | 0.0% | 0.0% | $3M | — | $36M |
| Dec '22 | $704000 | $808000 | 0.0% | 0.0% | -$1M | — | $31M |
| Sep '22 | $713000 | $2M | 0.0% | 0.0% | $6M | — | $28M |
| Jun '22 | $706000 | $2M | 0.0% | 0.0% | $3M | — | $40M |
| Mar '22 | $706000 | $2M | 0.0% | 0.0% | $7M | — | $67M |
| Dec '21 | $693000 | $3M | 0.0% | 0.0% | $1M | — | $72M |
| Sep '21 | $664000 | $3M | 0.0% | 0.0% | $3M | — | $115M |
| Jun '21 | $618000 | $3M | 0.0% | 0.0% | -$751000 | — | $72M |
Valuation over time
How the market has priced RBKB against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 12.4× (Mar '23) to 19.1× (Jun '26).
- The price-to-sales ratio has risen from 30.6× (Mar '23) to 64.3× (Jun '26).
P/E
P/S
Frequently asked questions
Is RBKB growing its revenue and profit?
Over the past 5 years, Rhinebeck Bancorp, Inc.'s revenue has grown 5.6% per year, and net income grown 11.2% per year. These are computed facts, not advice.
How much debt does RBKB have?
As of FY2025, Rhinebeck Bancorp, Inc. reported — of total debt against $102M of cash.
What is RBKB's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 336.6%.
What is RBKB's P/E ratio?
As of Jun '26, Rhinebeck Bancorp, Inc. traded at a price-to-earnings ratio of about 19.1× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.