InsiderClue
Stocks · Financials · Savings Institutions, Not Federally Chartered

Rhinebeck Bancorp, Inc.

RBKB Clue Score58
United States Fiscal year ends December CIK 0001751783
$12.86 -0.69% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $12.86 +0.55% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 22 Jul 2026. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2017Revenue2.4Net income3.0Fiscal year 2018Revenue2.8 +16.6%Net income4.4 +45.1%Fiscal year 2019Revenue2.8 +0.6%Net income6.0 +36.9%EPS, diluted0.56Fiscal year 2020Revenue2.3 −19.4%Net income5.9 −0.8%EPS, diluted0.55 −1.8%Fiscal year 2021Revenue2.6 +13.5%Net income11.6 +95.3%EPS, diluted1.06 +92.7%Fiscal year 2022Revenue2.8 +9.5%Net income7.0 −39.5%EPS, diluted0.64 −39.6%Fiscal year 2023Revenue2.9 +1.8%Net income4.4 −37.2%EPS, diluted0.40 −37.5%Fiscal year 2024Revenue3.0 +4.2%Net income−8.6 −296.1%EPS, diluted−0.80 −300.0%Fiscal year 2025Revenue3.0 −0.6%Net income10.0EPS, diluted0.92
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 2.4 2.8 2.8 2.3 2.6 2.8 2.9 3.0 3.0
Growth +16.6% +0.6% −19.4% +13.5% +9.5% +1.8% +4.2% −0.6%
Net income 3.0 4.4 6.0 5.9 11.6 7.0 4.4 −8.6 10.0
Growth +45.1% +36.9% −0.8% +95.3% −39.5% −37.2% −296.1%
EPS, diluted n/a n/a 0.56 0.55 1.06 0.64 0.40 −0.80 0.92
Growth −1.8% +92.7% −39.6% −37.5% −300.0%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2017Net margin124.8%Free cash flow margin194.9%Fiscal year 2018Net margin155.3%Free cash flow margin265.9%Fiscal year 2019Net margin211.2%Free cash flow margin337.2%Fiscal year 2020Net margin260.0%Free cash flow margin570.2%Fiscal year 2021Net margin447.3%Free cash flow margin227.5%Fiscal year 2022Net margin247.3%Free cash flow margin483.0%Fiscal year 2023Net margin152.6%Free cash flow margin224.7%Fiscal year 2024Net margin−287.1%Free cash flow margin255.8%Fiscal year 2025Net margin336.6%Free cash flow margin365.0%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 124.8% 155.3% 211.2% 260.0% 447.3% 247.3% 152.6% −287.1% 336.6%
Free cash flow margin 194.9% 265.9% 337.2% 570.2% 227.5% 483.0% 224.7% 255.8% 365.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow5.4Capital expenditure−0.7Free cash flow4.7Fiscal year 2018Operating cash flow8.6Capital expenditure−1.1Free cash flow7.5 +59.1%Fiscal year 2019Operating cash flow12.1Capital expenditure−2.6Free cash flow9.5 +27.6%Fiscal year 2020Operating cash flow14.8Capital expenditure−1.9Free cash flow13.0 +36.3%Fiscal year 2021Operating cash flow7.7Capital expenditure−1.8Free cash flow5.9 −54.7%Fiscal year 2022Operating cash flow14.8Capital expenditure−1.1Free cash flow13.7 +132.4%Fiscal year 2023Operating cash flow7.0Capital expenditure−0.6Free cash flow6.5 −52.6%Fiscal year 2024Operating cash flow8.5Capital expenditure−0.8Free cash flow7.7 +18.7%Fiscal year 2025Operating cash flow11.7Capital expenditure−0.9Free cash flow10.9 +41.9%Buybacks−0.1
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 5.4 8.6 12.1 14.8 7.7 14.8 7.0 8.5 11.7
Capital expenditure −0.7 −1.1 −2.6 −1.9 −1.8 −1.1 −0.6 −0.8 −0.9
Free cash flow 4.7 7.5 9.5 13.0 5.9 13.7 6.5 7.7 10.9
Growth +59.1% +27.6% +36.3% −54.7% +132.4% −52.6% +18.7% +41.9%
Buybacks n/a n/a n/a n/a n/a n/a n/a n/a −0.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2017Cash10.5Shareholders’ equity55.0Fiscal year 2018Cash50.6Shareholders’ equity59.3Fiscal year 2019Cash12.0Shareholders’ equity109.9Fiscal year 2020Cash93.5Shareholders’ equity116.5Fiscal year 2021Cash72.1Shareholders’ equity126.0Fiscal year 2022Cash31.4Shareholders’ equity108.1Fiscal year 2023Cash22.1Shareholders’ equity113.7Fiscal year 2024Cash37.5Shareholders’ equity121.8Fiscal year 2025Cash102.0Shareholders’ equity136.9
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 10.5 50.6 12.0 93.5 72.1 31.4 22.1 37.5 102.0
Shareholders’ equity 55.0 59.3 109.9 116.5 126.0 108.1 113.7 121.8 136.9

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
274.3% 191.4% 265.3% 328.5% 580.1% 314.5% 194.9% −364.3% 425.1%
124.8% 155.3% 211.2% 260.0% 447.3% 247.3% 152.6% −287.1% 336.6%
194.9% 265.9% 337.2% 570.2% 227.5% 483.0% 224.7% 255.8% 365.0%
Spending
29.0% 40.8% 91.7% 82.0% 68.7% 40.0% 20.1% 26.3% 28.5%
54.5% 18.9% 20.4% 20.9% 22.9% 21.3% 21.7% n/a 20.8%
Returns
5.5% 7.4% 5.4% 5.1% 9.2% 6.5% 3.9% −7.1% 7.3%
0.4% 0.5% 0.6% 0.5% 0.9% 0.5% 0.3% −0.7% 0.8%
Balance and payout
92.6% 93.3% 88.7% 89.7% 90.2% 91.9% 91.3% 90.3% 89.5%
n/a n/a n/a n/a n/a n/a n/a n/a 0.9%