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Rhinebeck Bancorp, Inc. RBKB Q4 2025 Annual earnings

Reported January 29, 2026 · After market close

Revenue$19.4M
EPS$0.21

Next report

Date not yet announced

Financials

Q4 2025

Income statement

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Revenue$13.5M+69.1%
Net income$2.3M+188%
EPS (diluted)$0.22+188%

Balance sheet

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Cash & equivalents$102.0M+172%
Total debt$11.3M-9.9%
Total equity$136.9M+12.3%
Total assets$1.3B+3.7%

Cash flow

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Operating cash flow$2.8M-22.5%
CapEx$353.0K-4.3%
Free cash flow$2.4M-24.6%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$133.97M+25.0%
Enterprise value$43.28M-47.4%
P/E13.3×—
P/S2.5×-1.2×

Profitability

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Net margin18.8%+11.7pp
FCF margin20.4%—

Returns & leverage

See full
Return on equity7.8%+5.2pp
Debt / equity0.1×0.0×

Versus estimates

Revenue

Q2 2026$3.4MQ1 2026$18.1M
Q4 2025$19.4M
Q3 2025$19.7MQ2 2025$18.4MQ1 2025$18.4M

Diluted EPS

Q2 2026$0.24Q1 2026$0.20
Q4 2025$0.21
Q3 2025$0.25Q2 2025$0.25Q1 2025$0.21

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Questions, answered.

When did Rhinebeck Bancorp, Inc. report Q4 2025 earnings?
Rhinebeck Bancorp, Inc. (RBKB) reported Q4 2025 earnings on January 29, 2026 after market close.
What were Rhinebeck Bancorp, Inc.'s Q4 2025 revenue and EPS?
Rhinebeck Bancorp, Inc. reported revenue of $19.4M and eps of $0.21 for Q4 2025.
How did Rhinebeck Bancorp, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 40.6% from $13.8M a year earlier.
Where can I find Rhinebeck Bancorp, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001751783-26-000002) and the 10-K periodic report (0001751783-26-000005) directly on SEC EDGAR. The filing index links above go to sec.gov.