Rhinebeck Bancorp, Inc. (RBKB) 10-Year Financial Performance & Capital Metrics

RBKB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutRhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York. The company offers deposits; automobile loans; commercial real estate loans, including multi-family real estate loans, commercial construction, and land development loans; commercial business loans; and one-to four-family residential real estate loans. It also provides brokerage and financial services; and life insurance and investment products to individuals and businesses. As of December 31, 2021, the company operated through 15 branches and 2 representative offices in Dutchess, Ulster, Orange, and Albany counties. It also operates ATM located in Tivoli, New York. The company was founded in 1860 and is based in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates as a subsidiary of Rhinebeck Bancorp, MHC.Show more

Net Interest Income $38M +0.7%
Total Revenue $54M -18.3%
Net Income -$9M -296.1%
Return on Equity -7.32% -284.7%
Net Interest Margin 3.04% +5.3%
Efficiency Ratio 67.95% +24.0%
ROA -0.67% -302.3%
Equity / Assets 9.7% +12.1%
Book Value per Share 11.32 +8.1%
Tangible BV/Share 11.10 +8.4%
Debt/Equity 0.62 -47.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Trading at only 1.1x book value

✗Weaknesses

✗Weak 3Y average ROE of 0.9%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y6.73%

5Y3.08%

3Y2.01%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM146.86%

EPS CAGR

10Y-

5Y-

3Y-

TTM197.17%

ROCE

10Y Avg3.53%

5Y Avg3.23%

3Y Avg1.09%

Latest-4.4%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	22.52M	24.59M	28.41M	32.25M	36.38M	39.41M	41.84M	37.97M	38.23M
NII Growth %	-	-	0.09%	0.16%	0.14%	0.13%	0.08%	0.06%	-0.09%	0.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	25.57M	27.89M	33.73M	40.99M	44.4M	43.7M	48.59M	60.66M	63.76M
Interest Expense	0	3.05M	3.3M	5.32M	8.74M	8.02M	4.29M	6.76M	22.69M	25.53M
Loan Loss Provision	0	1.2M	900K	2.1M	2.46M	7.14M	-3.67M	1.41M	1.7M	2.8M
Non-Interest Income+	29.36M	6.61M	6.38M	5.55M	5.63M	8.29M	7.41M	5.93M	5.73M	-9.5M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	29.36M	32.18M	34.26M	39.28M	46.62M	52.69M	51.11M	54.53M	66.39M	54.26M
Revenue Growth %	0.04%	0.1%	0.06%	0.15%	0.19%	0.13%	-0.03%	0.07%	0.22%	-0.18%
Non-Interest Expense	27.51M	23.92M	23.46M	26.49M	27.93M	30.05M	35.49M	37.46M	36.38M	36.87M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	10.24M	4.01M	6.6M	5.37M	7.49M	7.48M	14.99M	8.9M	5.61M	-10.94M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.14%	-0.61%	0.65%	-0.19%	0.39%	-0%	1.01%	-0.41%	-0.37%	-2.95%
Pretax Income+	1.85M	4.01M	6.6M	5.37M	7.49M	7.48M	14.99M	8.9M	5.61M	-10.94M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	992.07K	1.32M	3.6M	1.01M	1.53M	1.56M	3.43M	1.9M	1.22M	-2.32M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	857.21K	2.69M	3M	4.36M	5.96M	5.92M	11.56M	7M	4.39M	-8.62M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.07%	2.14%	0.12%	0.45%	0.37%	-0.01%	0.95%	-0.39%	-0.37%	-2.96%
Net Income (Continuing)	857.21K	2.69M	3M	4.36M	5.96M	5.92M	11.56M	7M	4.39M	-8.62M
EPS (Diluted)+	0.21	0.65	0.72	1.05	0.56	0.55	1.06	0.64	0.40	-0.80
EPS Growth %	-0.05%	2.1%	0.11%	0.46%	-0.47%	-0.02%	0.93%	-0.4%	-0.38%	-3%
EPS (Basic)	0.21	0.65	0.72	1.05	0.56	0.55	1.07	0.65	0.41	-0.80
Diluted Shares Outstanding	4.16M	4.16M	4.16M	4.16M	10.71M	10.74M	10.95M	11M	10.86M	10.76M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	28.32M	12.98M	10.46M	50.59M	11.98M	93.48M	19.45M	16.82M	14.61M	19.18M
Short Term Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	0	654.5M	681.39M	779.71M	908.3M	976.75M	1.14B	1.22B	1.2B	1.13B
Investments Growth %	-	-	0.04%	0.14%	0.16%	0.08%	0.16%	0.07%	-0.01%	-0.06%
Long-Term Investments	0	514.23M	568.09M	678.4M	793.47M	873.81M	854.97M	994.37M	1.06B	1B
Accounts Receivables	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	2.98M	2.78M	1.5M	1.41M	1.41M	1.41M	2.23M	2.23M	2.23M	2.23M
Intangible Assets	911.6K	727K	326K	284K	241K	199K	433K	334K	246K	166K
PP&E (Net)	18.37M	18.22M	17.02M	17.04M	18.34M	18.84M	19.18M	18.72M	17.57M	14.11M
Other Assets	617.57M	26.72M	26.22M	27.93M	28.52M	30.63M	97.9M	65.46M	63.16M	75.81M
Total Current Assets	28.32M	155.22M	125.91M	154.43M	129.71M	200.24M	303.1M	244.73M	163.67M	151.68M
Total Non-Current Assets	639.83M	567.34M	616.19M	728M	844.23M	928.59M	978.07M	1.09B	1.15B	1.1B
Total Assets+	668.15M	722.56M	742.1M	882.42M	973.95M	1.13B	1.28B	1.34B	1.31B	1.26B
Asset Growth %	0.03%	0.08%	0.03%	0.19%	0.1%	0.16%	0.13%	0.04%	-0.02%	-0.04%
Return on Assets (ROA)	0%	0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%	0%	-0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	5.16M	14.65M	20.05M	41.75M	71.46M	55.83M	23.2M	62.88M	133.22M	74.93M
Net Debt	-23.16M	1.68M	9.6M	-8.84M	59.48M	-37.66M	3.75M	46.06M	118.61M	55.75M
Long-Term Debt	5.16M	14.65M	20.05M	36.75M	71.46M	55.83M	23.2M	62.88M	133.22M	54.93M
Short-Term Debt	0	0	0	5M	0	0	0	0	0	20M
Other Liabilities	612.07M	7.06M	7.28M	86.87M	8.11M	8.49M	9.13M	9.73M	35.8M	38.22M
Total Current Liabilities	8.46M	648.33M	659.79M	699.53M	784.5M	948.01M	1.12B	1.16B	1.03B	1.04B
Total Non-Current Liabilities	608.76M	21.71M	27.34M	123.62M	79.56M	64.32M	32.33M	72.61M	169.01M	93.15M
Total Liabilities	617.22M	670.04M	687.13M	823.15M	864.06M	1.01B	1.16B	1.23B	1.2B	1.13B
Total Equity+	50.93M	52.52M	54.98M	59.28M	109.88M	116.5M	125.97M	108.13M	113.69M	121.83M
Equity Growth %	0.01%	0.03%	0.05%	0.08%	0.85%	0.06%	0.08%	-0.14%	0.05%	0.07%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.02%	0.05%	0.06%	0.08%	0.07%	0.05%	0.1%	0.06%	0.04%	-0.07%
Book Value per Share	12.23	12.62	13.21	14.24	10.26	10.85	11.50	9.83	10.47	11.32
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	0	111K	113K	113K	113K	111K	111K
Additional Paid-in Capital	100K	100K	100K	100K	45.87M	46.04M	46.57M	47.08M	45.96M	45.95M
Retained Earnings	55M	57.69M	61.83M	66.19M	72.15M	78.07M	89.63M	96.62M	100.39M	91.77M
Accumulated OCI	-4.17M	-5.27M	-6.96M	-7.01M	-4.1M	-3.79M	-6.63M	-32.19M	-29.5M	-12.94M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	0	4.9M	5.39M	8.61M	12.11M	14.85M	7.65M	14.79M	7.05M	8.47M
Operating CF Growth %	-	-	0.1%	0.6%	0.41%	0.23%	-0.48%	0.93%	-0.52%	0.2%
Net Income	857.21K	2.69M	3M	4.36M	5.96M	5.92M	11.56M	7M	4.39M	-8.62M
Depreciation & Amortization	0	1.31M	1.21M	1.19M	1.33M	1.42M	1.66M	1.65M	1.49M	1.42M
Deferred Taxes	0	-19K	1.92M	102K	-94K	-1.53M	1.11M	14K	-352K	-2.58M
Other Non-Cash Items	-857.21K	1.36M	-1.69M	4.1M	2.6M	7.18M	-4.59M	5.55M	1.43M	19.39M
Working Capital Changes	0	-448K	945K	-1.14M	2.07M	1.47M	-2.92M	-255K	-475K	-1.35M
Cash from Investing+	0	-72.87M	-23.96M	-104.07M	-132.08M	-74.12M	-135.73M	-123.61M	14.7M	74.75M
Purchase of Investments	0	-71.48M	-23.7M	-3.88M	-41.08M	-39.22M	-244.63M	-30.22M	0	-71.43M
Sale/Maturity of Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	3.44M	0	0	0	32.77M	0	0	0
Other Investing	0	-43.26M	-52.49M	-116.15M	-118.68M	-85.06M	15.68M	-146.48M	-18.79M	39.81M
Cash from Financing+	0	52.63M	16.06M	135.59M	81.36M	140.78M	106.69M	68.11M	-31M	-67.86M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	-41.08M	0	-125K	-111K	-1.46M	0
Stock Issued	0	0	0	79.14M	9.81M	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	0	43.13M	10.66M	34.75M	82.92M	156.41M	139.44M	28.54M	-99.89M	-9.57M
Net Change in Cash+	0	-15.34M	-2.52M	40.13M	-38.61M	81.51M	-21.39M	-40.71M	-9.26M	15.36M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	0	28.32M	12.98M	10.46M	50.59M	11.98M	93.48M	72.09M	31.38M	22.13M
Cash at End	0	12.98M	10.46M	50.59M	11.98M	93.48M	72.09M	31.38M	22.13M	37.48M
Interest Paid	0	3.04M	3.3M	5.14M	8.63M	8.31M	0	6.07M	21.98M	26.08M
Income Taxes Paid	0	869K	1.41M	625K	1.69M	3.4M	0	1.9M	1.5M	874K
Free Cash Flow+	0	3.84M	4.69M	7.46M	9.52M	12.98M	5.88M	13.66M	6.47M	7.68M
FCF Growth %	-	-	0.22%	0.59%	0.28%	0.36%	-0.55%	1.32%	-0.53%	0.19%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	1.69%	5.2%	5.59%	7.63%	7.05%	5.23%	9.53%	5.98%	3.96%	-7.32%
Return on Assets (ROA)	0.13%	0.39%	0.41%	0.54%	0.64%	0.56%	0.96%	0.53%	0.33%	-0.67%
Net Interest Margin	0%	3.12%	3.31%	3.22%	3.31%	3.22%	3.08%	3.13%	2.89%	3.04%
Efficiency Ratio	93.7%	74.33%	68.48%	67.44%	59.9%	57.04%	69.45%	68.7%	54.8%	67.95%
Equity / Assets	7.62%	7.27%	7.41%	6.72%	11.28%	10.32%	9.83%	8.09%	8.66%	9.7%
Book Value / Share	12.23	12.62	13.21	14.24	10.26	10.85	11.5	9.83	10.47	11.32
NII Growth	-	-	9.2%	15.55%	13.51%	12.8%	8.35%	6.15%	-9.25%	0.7%

Frequently Asked Questions

Growth & Financials

Rhinebeck Bancorp, Inc. (RBKB) saw revenue decline by 18.3% over the past year.

Yes, Rhinebeck Bancorp, Inc. (RBKB) is profitable, generating $2.4M in net income for fiscal year 2024 (-15.9% net margin).

Dividend & Returns

Rhinebeck Bancorp, Inc. (RBKB) has a return on equity (ROE) of -7.3%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Rhinebeck Bancorp, Inc. (RBKB) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.

Rhinebeck Bancorp, Inc. (RBKB) has an efficiency ratio of 67.9%. This is higher than peers, suggesting room for cost optimization.

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Rhinebeck Bancorp, Inc. (RBKB) 10-Year Financial Performance & Capital Metrics

RBKB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

Net Interest Income $38M +0.7%
Total Revenue $54M -18.3%
Net Income -$9M -296.1%
Return on Equity -7.32% -284.7%
Net Interest Margin 3.04% +5.3%
Efficiency Ratio 67.95% +24.0%
ROA -0.67% -302.3%
Equity / Assets 9.7% +12.1%
Book Value per Share 11.32 +8.1%
Tangible BV/Share 11.10 +8.4%
Debt/Equity 0.62 -47.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Trading at only 1.1x book value

✗Weaknesses

✗Weak 3Y average ROE of 0.9%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y6.73%

5Y3.08%

3Y2.01%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM146.86%

EPS CAGR

10Y-

5Y-

3Y-

TTM197.17%

ROCE

10Y Avg3.53%

5Y Avg3.23%

3Y Avg1.09%

Latest-4.4%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	22.52M	24.59M	28.41M	32.25M	36.38M	39.41M	41.84M	37.97M	38.23M
NII Growth %	-	-	0.09%	0.16%	0.14%	0.13%	0.08%	0.06%	-0.09%	0.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	25.57M	27.89M	33.73M	40.99M	44.4M	43.7M	48.59M	60.66M	63.76M
Interest Expense	0	3.05M	3.3M	5.32M	8.74M	8.02M	4.29M	6.76M	22.69M	25.53M
Loan Loss Provision	0	1.2M	900K	2.1M	2.46M	7.14M	-3.67M	1.41M	1.7M	2.8M
Non-Interest Income+	29.36M	6.61M	6.38M	5.55M	5.63M	8.29M	7.41M	5.93M	5.73M	-9.5M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	29.36M	32.18M	34.26M	39.28M	46.62M	52.69M	51.11M	54.53M	66.39M	54.26M
Revenue Growth %	0.04%	0.1%	0.06%	0.15%	0.19%	0.13%	-0.03%	0.07%	0.22%	-0.18%
Non-Interest Expense	27.51M	23.92M	23.46M	26.49M	27.93M	30.05M	35.49M	37.46M	36.38M	36.87M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	10.24M	4.01M	6.6M	5.37M	7.49M	7.48M	14.99M	8.9M	5.61M	-10.94M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.14%	-0.61%	0.65%	-0.19%	0.39%	-0%	1.01%	-0.41%	-0.37%	-2.95%
Pretax Income+	1.85M	4.01M	6.6M	5.37M	7.49M	7.48M	14.99M	8.9M	5.61M	-10.94M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	992.07K	1.32M	3.6M	1.01M	1.53M	1.56M	3.43M	1.9M	1.22M	-2.32M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	857.21K	2.69M	3M	4.36M	5.96M	5.92M	11.56M	7M	4.39M	-8.62M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.07%	2.14%	0.12%	0.45%	0.37%	-0.01%	0.95%	-0.39%	-0.37%	-2.96%
Net Income (Continuing)	857.21K	2.69M	3M	4.36M	5.96M	5.92M	11.56M	7M	4.39M	-8.62M
EPS (Diluted)+	0.21	0.65	0.72	1.05	0.56	0.55	1.06	0.64	0.40	-0.80
EPS Growth %	-0.05%	2.1%	0.11%	0.46%	-0.47%	-0.02%	0.93%	-0.4%	-0.38%	-3%
EPS (Basic)	0.21	0.65	0.72	1.05	0.56	0.55	1.07	0.65	0.41	-0.80
Diluted Shares Outstanding	4.16M	4.16M	4.16M	4.16M	10.71M	10.74M	10.95M	11M	10.86M	10.76M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	28.32M	12.98M	10.46M	50.59M	11.98M	93.48M	19.45M	16.82M	14.61M	19.18M
Short Term Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	0	654.5M	681.39M	779.71M	908.3M	976.75M	1.14B	1.22B	1.2B	1.13B
Investments Growth %	-	-	0.04%	0.14%	0.16%	0.08%	0.16%	0.07%	-0.01%	-0.06%
Long-Term Investments	0	514.23M	568.09M	678.4M	793.47M	873.81M	854.97M	994.37M	1.06B	1B
Accounts Receivables	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	2.98M	2.78M	1.5M	1.41M	1.41M	1.41M	2.23M	2.23M	2.23M	2.23M
Intangible Assets	911.6K	727K	326K	284K	241K	199K	433K	334K	246K	166K
PP&E (Net)	18.37M	18.22M	17.02M	17.04M	18.34M	18.84M	19.18M	18.72M	17.57M	14.11M
Other Assets	617.57M	26.72M	26.22M	27.93M	28.52M	30.63M	97.9M	65.46M	63.16M	75.81M
Total Current Assets	28.32M	155.22M	125.91M	154.43M	129.71M	200.24M	303.1M	244.73M	163.67M	151.68M
Total Non-Current Assets	639.83M	567.34M	616.19M	728M	844.23M	928.59M	978.07M	1.09B	1.15B	1.1B
Total Assets+	668.15M	722.56M	742.1M	882.42M	973.95M	1.13B	1.28B	1.34B	1.31B	1.26B
Asset Growth %	0.03%	0.08%	0.03%	0.19%	0.1%	0.16%	0.13%	0.04%	-0.02%	-0.04%
Return on Assets (ROA)	0%	0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%	0%	-0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	5.16M	14.65M	20.05M	41.75M	71.46M	55.83M	23.2M	62.88M	133.22M	74.93M
Net Debt	-23.16M	1.68M	9.6M	-8.84M	59.48M	-37.66M	3.75M	46.06M	118.61M	55.75M
Long-Term Debt	5.16M	14.65M	20.05M	36.75M	71.46M	55.83M	23.2M	62.88M	133.22M	54.93M
Short-Term Debt	0	0	0	5M	0	0	0	0	0	20M
Other Liabilities	612.07M	7.06M	7.28M	86.87M	8.11M	8.49M	9.13M	9.73M	35.8M	38.22M
Total Current Liabilities	8.46M	648.33M	659.79M	699.53M	784.5M	948.01M	1.12B	1.16B	1.03B	1.04B
Total Non-Current Liabilities	608.76M	21.71M	27.34M	123.62M	79.56M	64.32M	32.33M	72.61M	169.01M	93.15M
Total Liabilities	617.22M	670.04M	687.13M	823.15M	864.06M	1.01B	1.16B	1.23B	1.2B	1.13B
Total Equity+	50.93M	52.52M	54.98M	59.28M	109.88M	116.5M	125.97M	108.13M	113.69M	121.83M
Equity Growth %	0.01%	0.03%	0.05%	0.08%	0.85%	0.06%	0.08%	-0.14%	0.05%	0.07%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.02%	0.05%	0.06%	0.08%	0.07%	0.05%	0.1%	0.06%	0.04%	-0.07%
Book Value per Share	12.23	12.62	13.21	14.24	10.26	10.85	11.50	9.83	10.47	11.32
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	0	111K	113K	113K	113K	111K	111K
Additional Paid-in Capital	100K	100K	100K	100K	45.87M	46.04M	46.57M	47.08M	45.96M	45.95M
Retained Earnings	55M	57.69M	61.83M	66.19M	72.15M	78.07M	89.63M	96.62M	100.39M	91.77M
Accumulated OCI	-4.17M	-5.27M	-6.96M	-7.01M	-4.1M	-3.79M	-6.63M	-32.19M	-29.5M	-12.94M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	0	4.9M	5.39M	8.61M	12.11M	14.85M	7.65M	14.79M	7.05M	8.47M
Operating CF Growth %	-	-	0.1%	0.6%	0.41%	0.23%	-0.48%	0.93%	-0.52%	0.2%
Net Income	857.21K	2.69M	3M	4.36M	5.96M	5.92M	11.56M	7M	4.39M	-8.62M
Depreciation & Amortization	0	1.31M	1.21M	1.19M	1.33M	1.42M	1.66M	1.65M	1.49M	1.42M
Deferred Taxes	0	-19K	1.92M	102K	-94K	-1.53M	1.11M	14K	-352K	-2.58M
Other Non-Cash Items	-857.21K	1.36M	-1.69M	4.1M	2.6M	7.18M	-4.59M	5.55M	1.43M	19.39M
Working Capital Changes	0	-448K	945K	-1.14M	2.07M	1.47M	-2.92M	-255K	-475K	-1.35M
Cash from Investing+	0	-72.87M	-23.96M	-104.07M	-132.08M	-74.12M	-135.73M	-123.61M	14.7M	74.75M
Purchase of Investments	0	-71.48M	-23.7M	-3.88M	-41.08M	-39.22M	-244.63M	-30.22M	0	-71.43M
Sale/Maturity of Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	3.44M	0	0	0	32.77M	0	0	0
Other Investing	0	-43.26M	-52.49M	-116.15M	-118.68M	-85.06M	15.68M	-146.48M	-18.79M	39.81M
Cash from Financing+	0	52.63M	16.06M	135.59M	81.36M	140.78M	106.69M	68.11M	-31M	-67.86M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	-41.08M	0	-125K	-111K	-1.46M	0
Stock Issued	0	0	0	79.14M	9.81M	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	0	43.13M	10.66M	34.75M	82.92M	156.41M	139.44M	28.54M	-99.89M	-9.57M
Net Change in Cash+	0	-15.34M	-2.52M	40.13M	-38.61M	81.51M	-21.39M	-40.71M	-9.26M	15.36M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	0	28.32M	12.98M	10.46M	50.59M	11.98M	93.48M	72.09M	31.38M	22.13M
Cash at End	0	12.98M	10.46M	50.59M	11.98M	93.48M	72.09M	31.38M	22.13M	37.48M
Interest Paid	0	3.04M	3.3M	5.14M	8.63M	8.31M	0	6.07M	21.98M	26.08M
Income Taxes Paid	0	869K	1.41M	625K	1.69M	3.4M	0	1.9M	1.5M	874K
Free Cash Flow+	0	3.84M	4.69M	7.46M	9.52M	12.98M	5.88M	13.66M	6.47M	7.68M
FCF Growth %	-	-	0.22%	0.59%	0.28%	0.36%	-0.55%	1.32%	-0.53%	0.19%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	1.69%	5.2%	5.59%	7.63%	7.05%	5.23%	9.53%	5.98%	3.96%	-7.32%
Return on Assets (ROA)	0.13%	0.39%	0.41%	0.54%	0.64%	0.56%	0.96%	0.53%	0.33%	-0.67%
Net Interest Margin	0%	3.12%	3.31%	3.22%	3.31%	3.22%	3.08%	3.13%	2.89%	3.04%
Efficiency Ratio	93.7%	74.33%	68.48%	67.44%	59.9%	57.04%	69.45%	68.7%	54.8%	67.95%
Equity / Assets	7.62%	7.27%	7.41%	6.72%	11.28%	10.32%	9.83%	8.09%	8.66%	9.7%
Book Value / Share	12.23	12.62	13.21	14.24	10.26	10.85	11.5	9.83	10.47	11.32
NII Growth	-	-	9.2%	15.55%	13.51%	12.8%	8.35%	6.15%	-9.25%	0.7%

Frequently Asked Questions

Growth & Financials

Rhinebeck Bancorp, Inc. (RBKB) saw revenue decline by 18.3% over the past year.

Yes, Rhinebeck Bancorp, Inc. (RBKB) is profitable, generating $2.4M in net income for fiscal year 2024 (-15.9% net margin).

Dividend & Returns

Rhinebeck Bancorp, Inc. (RBKB) has a return on equity (ROE) of -7.3%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Rhinebeck Bancorp, Inc. (RBKB) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.

Rhinebeck Bancorp, Inc. (RBKB) has an efficiency ratio of 67.9%. This is higher than peers, suggesting room for cost optimization.