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Financial Services

Rhinebeck Bancorp, Inc.(RBKB)

Live Price

Offline

$17.59

+3.53% today

1Y Change

+43.56%

Window

Jun 23, 2025 โ†’ Jun 12, 2026

Market Cap
$180.00M
Revenue Growth
+39.8%
EPS Growth
+216.3%
Dividend Yield
0.0%

Coverage: 245 bars ยท Jun 23, 2025 โ†’ Jun 12, 2026

Research Briefing

A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.

Decision context

Research Snapshot

Rhinebeck Bancorp, Inc. (RBKB) is a Financial Services stock with a market cap of $180.00M and listed on NASDAQ. The stock last traded around $17.59 and up 43.6% across the available one-year price window (Jun 23, 2025 โ†’ Jun 12, 2026). Baseline metrics include revenue growth of +39.8%, EPS growth of +216.3%, a dividend yield of 0.0%. What stands out right now is revenue +39.8%, EPS +216.3%, free cash flow +41.9% with operating margin 16.7% and ROIC 0.8%. Valuation is more restrained than many high-expectation growth names at P/E 17.7 and price/sales 2.4. Stock Foundry combines RBKB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.

Benchmark Comparison

Normalized Performance vs SPY

Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.

1Y shared range

RBKB

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Normalized return

SPY

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S&P 500

Excess Return

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Relative to SPY

RBKB Max Drawdown

-30.04%

Trailing 1Y

SPY Max Drawdown

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Trailing 1Y

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Calendar-Year Returns

Uses the longest available daily history for RBKB and SPY.

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Financial profile

Rhinebeck Bancorp, Inc. (RBKB)

Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.

FY Revenue

$51.1M

-6.3% YoY

FY Net Income

$11.6M

+65.2% YoY

Free Cash Flow

$5.9M

-57.0% YoY

Revenue Growth

+39.8%

EPS Growth

+216.3%

Gross Margin

68.7%

Net Margin

13.2%

Income statement

USD

Annual
Metric20252024202320222021
Revenue76M54M66M55M51M
Gross Profit52M26M42M46M50M
Operating Income13M-11M6M9M15M
EBITDA14M-10M7M11M17M
Net Income10M-9M4M7M12M
EPS (Diluted)โ€”โ€”โ€”โ€”โ€”

Balance sheet

USD

Point-in-time
Metric20252024202320222021
Cash & Equivalents17M19M15M17M19M
Total Assets1.3B1.3B1.3B1.3B1.3B
Total Liabilities1.2B1.1B1.2B1.2B1.2B
Shareholder Equity137M122M114M108M126M
Total Debt30M75M133M63M23M
Net Debt13M56M119M46M4M

Cash flow positioning

Latest Full Year

Operating Cash Flow

8M

-48.3% YoY

Capital Expenditures

2M

-56.7% YoY

Free Cash Flow

6M

-57.0% YoY

Key ratios

  • Gross Margin

    68.7%

  • Operating Margin

    16.7%

  • Net Margin

    13.2%

  • ROE

    7.4%

  • Debt / Equity

    0.07x

Next Step

Turn financials into a decision

Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.