Rhinebeck Bancorp financials
$12.80+0.87%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 |
|---|---|---|---|---|---|---|---|
| Revenue | $75.8M | $54.2M | $66.4M | $54.5M | $51.1M | $52.7M | $46.6M |
| Gross profit | $53.4M | $28.7M | $43.7M | $47.7M | $46.8M | $44.7M | $37.9M |
| Gross margin | 70.4% | 52.9% | 65.8% | 87.6% | 91.6% | 84.8% | 81.3% |
| Operating income | $12.7M | -$10.9M | $5.6M | $8.9M | $15.0M | $7.5M | $7.5M |
| Net income | $10.0M | -$8.6M | $4.4M | $7.0M | $11.6M | $5.9M | $6.0M |
| Net margin | 13.2% | −15.9% | 6.6% | 12.8% | 22.6% | 11.2% | 12.8% |
| Diluted EPS | $0.92 | $-0.80 | $0.40 | $0.64 | $1.06 | $0.55 | $0.56 |
| EBITDA | $12.7M | -$10.9M | $6.0M | $8.9M | $15.0M | $7.5M | $7.5M |
| Operating cash flow | $11.7M | $8.5M | $7.0M | $14.8M | $7.7M | $14.8M | $12.1M |
| Free cash flow | $10.9M | $6.4M | $6.5M | $13.7M | $5.9M | $13.0M | $9.5M |
| Diluted shares | 11.0M | 10.8M | 10.9M | 11.0M | 11.0M | 10.7M | 10.7M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $15.9M | $18.6M | $14.2M | $13.3M | $11.0M | $93.5M |
| Short-term investments | $250.3M | $182.8M | $206.4M | $245.0M | $342.7M | $105.7M |
| Total debt | $30.3M | $74.9M | $133.2M | $62.9M | $23.2M | $55.8M |
| Total assets | $1.30B | $1.26B | $1.31B | $1.34B | $1.28B | $1.13B |
| Total liabilities | $1.16B | $1.13B | $1.20B | $1.23B | $1.16B | $1.01B |
| Shareholders' equity | $136.9M | $121.8M | $113.7M | $108.1M | $126.0M | $116.5M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology