How much cash does Rhinebeck Bancorp, Inc. generate?

Rhinebeck Bancorp, Inc. (RBKB) generated $10.9M in operating cash flow over the trailing twelve months.

What is Rhinebeck Bancorp, Inc.'s free cash flow?

After $1.4M of capital expenditures, Rhinebeck Bancorp, Inc.'s free cash flow was $9.6M over the trailing twelve months, down 38.2% year over year.

Where does Rhinebeck Bancorp, Inc.'s cash flow data come from?

Every line is extracted from Rhinebeck Bancorp, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Rhinebeck Bancorp, Inc. RBKB Cash Flow Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Net income	$9.97M+234%	$10.05M+217%	$5.06M+200%	-$5.7M-234%	-$7.45M-258%
Depreciation and amortization	$1.32M0.0%	$1.3M-3.4%	$1.16M-14.0%	$1.28M-8.2%	$1.32M-5.3%
Stock-based compensation	$40K—	$39K—	$39K—	——	——
Deferred income taxes	$1.9M+188%	$1.84M+171%	$686K—	-$1.58M—	-$2.16M—
Gain (loss) on sale of assets	——	——	——	——	——
Provision for credit losses	$1.38M-55.1%	$1.66M-40.8%	$2.54M+53.9%	$2.52M+51.0%	$3.07M+298%
Change in accrued liabilities	——	——	$3.21M—	——	——
Change in other assets	——	——	——	——	-$2.07M—
Amortization of intangible assets	$47K-40.5%	$60K-25.0%	$73K-9.9%	$76K-9.5%	$79K-7.1%
Change in accrued investment income	——	——	——	——	——
Loans held for sale activity	——	$7.56M+11.9%	$8.03M+18.5%	$8.06M+52.4%	$5.19M-11.6%
Net cash from operating activities	$10.95M—	$11.74M—	$12.55M—	——	——
Capital expenditures	$1.37M+107%	$850K+7.5%	$866K+30.8%	$716K-4.1%	$663K-12.6%
Purchases of investments	$49.36M—	$48.99M—	$37.98M—	——	——
Proceeds from sale of property, plant and equipment	——	——	——	——	——
Net change in loans and leases	-$38.37M—	-$16.74M—	——	——	——
Net cash from investing activities	——	——	——	$65.05M—	$63.17M—
Repurchases of common stock	$291.25K—	$95K—	——	——	——
Repayments of debt	——	——	——	——	——
Proceeds from issuance of common stock	——	——	——	——	——
Net change in short-term borrowings	——	——	——	——	——
Net cash from financing activities	——	——	$36.82M+156%	-$13.65M+81.5%	-$56.65M+1.8%
Net increase (decrease) in cash	$63.87M—	$65.98M—	——	——	——
Interest paid	$22.28M-11.8%	$22.35M-14.3%	$22.58M-13.5%	$23.62M-7.5%	$25.27M+5.1%
Income taxes paid	$615K-29.4%	$603K-31.0%	$623K-46.4%	$615K-58.2%	$871K-42.0%
Accretion (Amortization) of Discounts and Premiums, Investments	$129K—	$167K—	——	——	——
Amortization of capitalized software and acquired intangible assets	$47K-40.5%	$60K-25.0%	$73K-9.9%	$76K-9.5%	$79K-7.1%
Employee Stock Ownership Plan ESOP Compensation Expense	$265K+35.9%	$243K+30.6%	$235K+36.6%	$212K+30.1%	$195K+22.6%
Gain (Loss) on Sale of Mortgage Loans	——	$252K+57.5%	$225K+43.3%	$186K+35.8%	$152K-1.3%
Increase (Decrease) in Accrued Interest Receivable, Net	——	——	——	——	——
Advances from borrowers	——	——	$532K—	$721K—	$325K—
Accrued liabilities	——	——	$3.21M—	——	——
Increase (Decrease) in Other Operating Assets	——	——	——	——	-$2.07M—
Life Insurance, Corporate or Bank Owned, Change in Value	$790K+4.6%	$780K+3.9%	$767K+4.4%	$761K+6.7%	$755K+9.6%
Depreciation and amortization	$1.32M0.0%	$1.3M-3.4%	$1.16M-14.0%	$1.28M-8.2%	$1.32M-5.3%
Payments For Origination Of Mortgage Loans Held For Sale	——	$7.56M+11.9%	$8.03M+18.5%	$8.06M+52.4%	$5.19M-11.6%
Proceeds From Sale Of Loans Held For Sale	——	$7.81M-0.1%	$8.12M+23.1%	$7.57M+35.5%	$6.23M+7.2%
Total provisions for credit losses	——	——	——	——	——
Payments for (Proceeds from) Federal Home Loan Bank Stock	-$2.19M—	-$2M—	——	——	——
Payments For Proceeds From Loans And Leases	-$38.37M—	-$16.74M—	——	——	——
Proceeds from disposals of property, plant and equipment	——	——	——	——	——
Increase Decrease In Demand Deposits Money Market And Savings Accounts	——	——	$31.75M—	——	——
Net (decrease) increase in time deposits	——	——	——	——	——
Proceeds from (Repayments of) Short-Term Debt	——	——	——	——	——
Payments of FHLBank Borrowings, Financing Activities	——	——	——	——	——
Income Taxes Paid, Net	$615K-29.4%	$603K-31.0%	$623K-46.4%	$615K-58.2%	$871K-42.0%
Free cash flow	$9.58M—	$10.89M—	$11.68M—	——	——
Free cash flow	$9.58M—	$10.89M—	$11.68M—	——	——

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Questions, answered.

How much cash does Rhinebeck Bancorp, Inc. generate?: Rhinebeck Bancorp, Inc. (RBKB) generated $10.9M in operating cash flow over the trailing twelve months.
What is Rhinebeck Bancorp, Inc.'s free cash flow?: After $1.4M of capital expenditures, Rhinebeck Bancorp, Inc.'s free cash flow was $9.6M over the trailing twelve months, down 38.2% year over year.
Where does Rhinebeck Bancorp, Inc.'s cash flow data come from?: Every line is extracted from Rhinebeck Bancorp, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.