Last 32 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Rhinebeck Bancorp, Inc.'s quarterly P/E stands at 14.3x.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 18.16 | 14.31 | 11.36 | 11.73 | 11.71 | — | — | 21.81 | 21.12 | 23.27 | 15.39 | 12.94 | 27.32 |
| — | — | — | -46.2% | -44.5% | — | — | +68.5% | -22.7% | -28.5% | +20.0% | +0.7% | +104.4% | |
| P/S Ratio | 2.45 | 1.70 | 1.58 | 1.75 | 1.46 | 1.89 | 4.14 | 1.23 | 1.34 | 1.27 | 1.06 | 1.12 | 1.32 |
| — | -10.1% | -61.8% | +42.3% | +9.5% | +48.1% | +290.3% | +9.3% | +1.1% | -25.6% | -44.8% | -41.4% | -40.1% | |
| P/B Ratio | 1.34 | 0.96 | 0.94 | 1.00 | 0.85 | 0.85 | 0.81 | 0.73 | 0.80 | 0.76 | 0.68 | 0.68 | 0.76 |
| — | +12.6% | +15.4% | +36.1% | +6.4% | +12.3% | +18.8% | +7.4% | +5.3% | -18.0% | -32.0% | -24.0% | -20.1% | |
| P/FCF | 17.09 | 13.97 | 12.31 | 14.30 | 6.40 | 8.11 | — | 1.80 | — | — | 7.83 | 15.49 | 6.93 |
| — | +72.2% | — | +696.4% | — | — | — | -88.4% | — | — | +62.8% | +60.9% | +71.4% | |
| EV / EBITDA | 14.70 | 12.37 | 10.94 | 8.94 | 10.93 | — | — | 23.93 | 26.21 | 33.28 | 19.11 | 19.41 | 30.15 |
| — | — | — | -62.6% | -58.3% | — | — | +23.3% | -13.1% | +42.5% | +95.7% | +153.1% | +434.5% | |
| EV / EBIT | 15.73 | 12.39 | 11.68 | 9.76 | 12.19 | — | — | 30.80 | 32.85 | 43.06 | 23.98 | 23.22 | 41.41 |
| — | — | — | -68.3% | -62.9% | — | — | +32.6% | -20.7% | +35.9% | +112.8% | +160.0% | +531.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Rhinebeck Bancorp, Inc.'s operating margin was 15.1% in Q4 2025, down 1.9 pp QoQ and up 39.3 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 16.7% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 40.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.2% | 67.0% | 66.4% | 71.9% | 67.6% | 47.9% | -20.3% | 59.0% | 60.2% | 60.7% | 60.5% | 68.1% | 64.0% |
| — | +40.0% | +427.5% | +21.8% | +12.2% | -21.1% | -133.5% | -13.4% | -5.8% | -17.5% | -29.4% | -25.0% | -30.1% | |
| Operating Margin | 16.7% | 15.1% | 17.0% | 19.0% | 15.9% | -24.2% | -171.3% | 7.3% | 8.4% | 7.0% | 9.2% | 11.2% | 6.4% |
| — | +162.4% | +109.9% | +161.4% | +89.4% | -444.7% | -1963.9% | -35.0% | +31.1% | -11.0% | -52.6% | -41.7% | -67.5% | |
| Net Margin | 13.2% | 12.0% | 13.7% | 14.8% | 12.4% | -19.2% | -134.1% | 5.6% | 6.5% | 5.5% | 7.2% | 8.8% | 5.0% |
| — | +162.6% | +110.2% | +163.3% | +90.5% | -451.1% | -1963.9% | -35.9% | +30.7% | -0.6% | -52.4% | -42.6% | -69.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.8% | 1.7% | 2.1% | 2.1% | 1.8% | -2.2% | -6.8% | 0.8% | 1.0% | 0.8% | 1.2% | 1.3% | 0.7% |
| — | +179.7% | +130.5% | +152.8% | +87.8% | -357.2% | -684.7% | -35.5% | +34.9% | +12.3% | -39.7% | -25.4% | -56.8% | |
| ROA | 0.8% | 0.2% | 0.2% | 0.2% | 0.2% | -0.2% | -0.6% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| — | +184.8% | +132.8% | +184.7% | +112.4% | -397.3% | -780.6% | -28.9% | +44.4% | +15.1% | -42.8% | -32.4% | -62.9% | |
| ROIC | 5.2% | 1.3% | 1.5% | 1.5% | 1.2% | -1.3% | -4.0% | 0.4% | 0.5% | 0.4% | 0.6% | 0.6% | 0.4% |
| — | +201.6% | +138.8% | +244.0% | +152.3% | -425.4% | -802.4% | -28.9% | +16.9% | -26.0% | -59.3% | -54.4% | -70.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Rhinebeck Bancorp, Inc.'s Debt/EBITDA ratio is 10.3x, up from 8.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 338343.0% YoY to 493.23x, strengthening the short-term liquidity position. Debt/Equity has declined for 5 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | 0.22 | 0.24 | 0.25 | 0.47 | 0.62 | 0.53 | 0.73 | 0.99 | 1.17 | 0.87 | 1.04 | 1.01 |
| — | -64.0% | -54.9% | -66.3% | -52.7% | -47.5% | -39.2% | -29.6% | -1.7% | +101.5% | +117.7% | +306.4% | +460.8% | |
| Debt / EBITDA | 2.23 | 10.33 | 8.90 | 8.34 | 18.08 | — | — | 52.49 | 62.66 | 86.45 | 46.86 | 51.22 | 79.43 |
| — | — | — | -84.1% | -71.1% | — | — | +2.5% | -21.1% | +115.6% | +242.2% | +423.1% | +994.9% | |
| Current Ratio | 493.23 | 493.23 | 1.02 | 0.08 | 0.08 | 0.15 | 0.20 | 0.18 | 0.18 | 0.16 | 0.18 | 0.20 | 0.22 |
| — | +338343.0% | +411.6% | -57.4% | -57.6% | -8.2% | +8.7% | -12.3% | -17.8% | -25.0% | -19.4% | -19.6% | -26.7% | |
| Quick Ratio | 493.23 | 493.23 | 1.02 | 0.08 | 0.08 | 0.15 | 0.20 | 0.18 | 0.18 | 0.16 | 0.18 | 0.20 | 0.22 |
| — | +338343.0% | +411.6% | -57.4% | -57.6% | -8.2% | +8.7% | -12.3% | -17.8% | -25.0% | -19.4% | -19.6% | -26.7% | |
| Interest Coverage | 0.56 | 0.50 | 0.58 | 0.66 | 0.52 | -0.57 | -1.62 | 0.19 | 0.21 | 0.18 | 0.27 | 0.32 | 0.22 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
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Rhinebeck Bancorp, Inc.'s current P/E is 18.2x. The average P/E over the last 4 quarters is 12.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Rhinebeck Bancorp, Inc.'s current operating margin is 16.7%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Rhinebeck Bancorp, Inc.'s business trajectory between earnings reports.