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MARKETS / NASDAQ / RBKB
NASDAQ · SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED · SMALL CAP

Rhinebeck Bancorp, Inc. RBKB

9 fiscal years on record · USD · FY2025 reported · SEC filings only
$3.0M
▼ 0.6% YoY
$10.0M
$10.9M
▲ 41.9% YoY
In brief

What this company does

Rhinebeck Bancorp, MHC, a New York-chartered non-stock corporation, is a mutual holding company that owns 57.0% of the outstanding common stock of Rhinebeck Bancorp, Inc. Rhinebeck Bank is a New York-chartered stock savings bank that was organized in 1860. We provide a full range of banking and financial services to consumer and commercial customers through our corporate office and 12 branches located in Dutchess, Orange and Ulster Counties.

Written from the business description in Rhinebeck Bancorp, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 13 March 2026. Every sentence was checked against that document before publication.

Growth
USD 3.0M
Revenue, FY2025 · full 9-year series below
Revenue $M Net income $M
FY2025 · Revenue 3.0 · Net income 10.0
4M8M-4M-8M201720182019202020212022202320242025
Compound annual growth
+1.8%
+5.6%
+12.8%
+11.2%
+12.9%
+10.8%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +5.6% a year over five years — but profit grew faster: net income at +11.2%, earnings per share at +10.8%.

The share count fell from 0.01B to 0.01B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
337 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 425.1% · Net 336.6%
200%400%-100%-200%-300%201720182019202020212022202320242025
ROE
FY2025 · ROE 7.8%
5%-2%-4%-6%201720182019202020212022202320242025
Gross margin—
Operating margin425.1%
Net margin336.6%
Return on assets0.8%
EBITDAUSD 14.0M

Each USD of equity produced 8 cents of profit this year.

Cash & shareholders
USD 95,000.00
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 10.9
5M10M201720182019202020212022202320242025
Net buybacks $ Dividends $
FY2025 · Dividends — · Net buybacks 95000.0
40000800002025
Dividends paid—
Net buybacksUSD 95,000.00
Share of profit0.9%
Consecutive raises—

USD 95,000.00 in buybacks — 1% of the year's profit went back to shareholders.

Total assetsUSD 1.3B
EquityUSD 136.9M
CashUSD 102.0M
DepositsUSD 1.1B

Equity funds 11% of total assets.

The 9-year record
9 fiscal years
Every figure from documents filed with the SEC · USD

The share count changed between 2017 and 2019, but the exact year can't be marked here — the underlying count wasn't on file for every year in that stretch.

row low → row highnegative
Metric 202520242023202220212020201920182017
Revenue $B0.00.00.00.00.00.00.00.00.0
Operating income $B0.0−0.00.00.00.00.00.00.00.0
EBITDA $B0.0−0.00.00.00.00.0···
Income tax $B0.0−0.00.00.00.00.00.00.00.0
Net income $B0.0−0.00.00.00.00.00.00.00.0
Free cash flow $B0.00.00.00.00.00.00.00.00.0
EPS, diluted $0.92−0.800.400.641.060.550.56··
Dividend / sh $·········
Payout %·········
ROE %7.8−7.34.06.09.55.27.17.65.5
Shares out B0.010.010.010.010.010.010.010.000.00

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 25 reconciliationsAUDITED

Reconciled in 9 of 19 fiscal years. 32 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivitySavings Institutions, Not Federally Chartered
Listed onNASDAQ
Incorporated inMaryland
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2017

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