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Reported July 23, 2026 · Before market open

Revenue$3.4M
EPS$0.24
“During the second quarter, we continued to make progress in repositioning the franchise for sustainable growth and profitability. Our results reflected increased net interest and non-interest income, continued discipline in managing funding costs, and meaningful improvement in past-due loans. We are also investing in talent, technology, and capabilities that will broaden our growth opportunities and strengthen the organization over time. The successful completion of our second-step conversion following quarter-end represents an important milestone for Rhinebeck Bancorp, Inc. and significantly strengthens our capital position. We remain focused on deploying that capital prudently as we expand our commercial banking capabilities, advance our retail and digital deposit initiatives, and invest in the infrastructure necessary to support responsible, sustainable growth.”
Matthew Smith

Next report

Date not yet announced

Financials

Q2 2026

Income statement

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Revenue$13.4M+2.1%
Net income$2.6M-4.0%
EPS (diluted)$0.24-4.0%

Balance sheet

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Cash & equivalents$304.6M+240%
Total debt$11.2M-9.0%
Total equity$139.6M+8.3%
Total assets$1.5B+15.4%

Cash flow

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Operating cash flow$5.6M+130%
CapEx$205.0K+12.6%
Free cash flow$5.4M+140%

Valuation & ratios

Valuation

as of 10/13/26
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Market cap$201.08M+58.1%
Enterprise value-$92.28M-357%
P/E20.4×-4.8×
P/S3.8×+1.1×

Profitability

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Net margin18.4%+12.5pp
FCF margin23.8%—

Returns & leverage

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Return on equity7.3%+5.3pp
Debt / equity0.1×0.0×

FAQ

When did Rhinebeck Bancorp, Inc. report Q2 2026 earnings?
Rhinebeck Bancorp, Inc. (RBKB) reported Q2 2026 earnings on July 23, 2026 before market open.
What were Rhinebeck Bancorp, Inc.'s Q2 2026 revenue and EPS?
Rhinebeck Bancorp, Inc. reported revenue of $3.4M and eps of $0.24 for Q2 2026.
How did Rhinebeck Bancorp, Inc.'s Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 81.4% from $18.4M a year earlier and eps declined 4.0% from $0.25.
Where can I find Rhinebeck Bancorp, Inc.'s Q2 2026 SEC filings?
You can read the 8-K earnings release (0001751783-26-000032) and the 10-Q periodic report (0001751783-26-000040) directly on SEC EDGAR. The filing index links above go to sec.gov.