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. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
Rhinebeck Bancorp, Inc. Income Statement
RBKB • NASDAQ
| Rhinebeck Bancorp, Inc. Income 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||||||
75.8M | 54.3M | 66.4M | 54.5M | 51.1M | 52.7M | 46.6M | 39.3M | 34.3M | 32.2M | 29.4M | 28.3M | 29.1M | |
GROSS PROFIT | |||||||||||||
(24.1M) | (28.3M) | (24.4M) | (8.2M) | (620K) | (15.2M) | (11.2M) | (7.4M) | (4.2M) | (4.3M) | (0.0) | (0.0) | (0.0) | |
51.7M | 25.9M | 42M | 46.4M | 50.5M | 37.5M | 35.4M | 31.9M | 30.1M | 27.9M | 29.4M | 28.3M | 29.1M | |
OPERATING INCOME | |||||||||||||
(39M) | (36.9M) | (36.4M) | (37.5M) | (35.5M) | (30.1M) | (27.9M) | (26.5M) | (23.5M) | (23.9M) | (27.5M) | (27.2M) | (27.5M) | |
(12.1M) | (22.1M) | (21.2M) | (23.1M) | (23.3M) | (19.5M) | (18.1M) | (17.1M) | (16.1M) | (15.6M) | (19.1M) | (19.3M) | (20.2M) | |
12.7M | -10.9M | 5.6M | 8.9M | 15M | 7.5M | 7.5M | 5.4M | 6.6M | 4M | 10.2M | 9M | 8.9M | |
PRE-TAX INCOME | |||||||||||||
(22.5M) | (25.5M) | (22.7M) | (6.8M) | (4.3M) | (8M) | (8.7M) | (5.3M) | (3.3M) | (3.1M) | (0.0) | (0.0) | (0.0) | |
46.4M | 38.2M | 38M | 41.8M | 39.4M | 36.4M | 32.2M | 28.4M | 24.6M | 22.5M | 0.0 | 0.0 | 0.0 | |
(26.9M) | (14.8M) | (15.1M) | (14.3M) | (12.2M) | (10.6M) | (9.8M) | (9.4M) | (7.3M) | (8.3M) | (0.0) | (0.0) | (0.0) | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -8.4M | -7.8M | -7.3M | |
12.7M | -10.9M | 5.6M | 8.9M | 15M | 7.5M | 7.5M | 5.4M | 6.6M | 4M | 1.8M | 1.1M | 1.7M | |
NET INCOME | |||||||||||||
(2.6M) | -2.3M | (1.2M) | (1.9M) | (3.4M) | (1.6M) | (1.5M) | (1M) | (3.6M) | (1.3M) | (992.1K) | (197K) | (260.6K) | |
10M | -8.6M | 4.4M | 7M | 11.6M | 5.9M | 6M | 4.4M | 3M | 2.7M | 857.2K | 923.3K | 1.4M |
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 |
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Snapshot
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Statements
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Analyst Expectations
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