RBKB - NASDAQ
Rhinebeck Bancorp, Inc.
$16.37
-0.91%Rhinebeck 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.
At a Glance
Live SnapshotRhinebeck Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Rhinebeck Bancorp, Inc. Cash Flow Statement
RBKB • NASDAQ
| Rhinebeck Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||||||||
10M | -8.6M | 4.4M | 7M | 11.6M | 5.9M | 6M | 4.4M | 3M | 2.7M | 857.2K | 923.3K | 1.4M | |
0.0 | 1.4M | 1.5M | 1.7M | 1.7M | 1.4M | 1.3M | 1.2M | 1.2M | 1.3M | 0.0 | 0.0 | 0.0 | |
0.0 | -2.6M | -352K | 14K | 1.1M | -1.5M | -94K | 102K | 1.9M | -19K | 0.0 | 0.0 | 0.0 | |
0.0 | 205K | 558K | 831K | 845K | 387K | 243K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
5M | 19.4M | 1.4M | 5.6M | -4.6M | 7.2M | 2.6M | 4.1M | -1.7M | 1.4M | -857.2K | -923.3K | -1.4M | |
(603K) | (874K) | (1.5M) | (1.9M) | (0.0) | (3.4M) | (1.7M) | (625K) | (1.4M) | (869K) | (0.0) | (0.0) | (0.0) | |
-3.3M | -1.4M | -475K | -255K | -2.9M | 1.5M | 2.1M | -1.1M | 945K | -448K | 0.0 | 0.0 | 0.0 | |
11.7M | 8.5M | 7M | 14.8M | 7.7M | 14.8M | 12.1M | 8.6M | 5.4M | 4.9M | 0.0 | 0.0 | 0.0 | |
INVESTING ACTIVITIES | |||||||||||||
(0.0) | -791K | -578K | -1.1M | -1.8M | -1.9M | -2.6M | -1.1M | -697K | -1.1M | (0.0) | (0.0) | (0.0) | |
(0.0) | (0.0) | (0.0) | (0.0) | (32.8M) | (0.0) | (0.0) | (0.0) | (3.4M) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -71.4M | (0.0) | -30.2M | -244.6M | -39.2M | -41.1M | -3.9M | -23.7M | -71.5M | (0.0) | (0.0) | (0.0) | |
0.0 | 107.2M | 34.1M | 54.2M | 62.2M | 52M | 30.3M | 17.1M | 49.5M | 42.9M | 0.0 | 0.0 | 0.0 | |
21.2M | 39.8M | -18.8M | -146.5M | 15.7M | -85.1M | -118.7M | -116.1M | -52.5M | -43.3M | 0.0 | 0.0 | 0.0 | |
(21.2M) | (74.7M) | (14.7M) | -123.6M | -135.7M | -74.1M | -132.1M | -104.1M | -24M | -72.9M | (0.0) | (0.0) | (0.0) | |
FINANCING ACTIVITIES | |||||||||||||
-95K | 0.0 | -1.5M | -111K | -125K | 0.0 | -31.3M | 79.1M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-44.6M | -58.3M | 70.3M | 39.7M | -32.6M | -15.6M | 29.7M | 21.7M | 5.4M | 9.5M | 0.0 | 0.0 | 0.0 | |
-95K | (0.0) | -1.5M | -111K | -125K | (0.0) | -41.1M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
76.3M | -9.6M | -99.9M | 28.5M | 139.4M | 156.4M | 82.9M | 34.8M | 10.7M | 43.1M | 0.0 | 0.0 | 0.0 | |
31.6M | -67.9M | -31M | 68.1M | 106.7M | 140.8M | 81.4M | 135.6M | 16.1M | 52.6M | 0.0 | 0.0 | 0.0 | |
CASH FLOW SUMMARY | |||||||||||||
64.5M | 15.4M | -9.3M | -40.7M | -21.4M | 81.5M | -38.6M | 40.1M | -2.5M | -15.3M | 0.0 | 0.0 | 0.0 | |
37.5M | 22.1M | 31.4M | 72.1M | 93.5M | 12M | 50.6M | 10.5M | 13M | 28.3M | 0.0 | 0.0 | 0.0 | |
102M | 37.5M | 22.1M | 31.4M | 72.1M | 93.5M | 12M | 50.6M | 10.5M | 13M | 0.0 | 0.0 | 0.0 | |
10.9M | 7.7M | 6.5M | 13.7M | 5.9M | 13M | 9.5M | 7.5M | 4.7M | 3.8M | 0.0 | 0.0 | 0.0 |
SEC Filings
RBKB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 26, 2026 | May 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 19, 2026 | May 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 14, 2026 | May 14, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 14, 2026 | March 31, 2026 | 2026 | |
S-1/A S-1/A (Amended) N/A | May 11, 2026 | May 11, 2026 | ||
S-1/A S-1/A (Amended) N/A | April 24, 2026 | April 24, 2026 | ||
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 15, 2026 | May 19, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 13, 2026 | December 31, 2025 | 2025 | |
S-1 S-1 N/A | March 13, 2026 | March 13, 2026 |
Related Guides
Continue your RBKB research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.