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

Rhinebeck Bancorp, Inc. (RBKB) reported free cash flow margin of 18% in Q1 2026.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Rhinebeck Bancorp, Inc. RBKB Free cash flow margin

Free cash flow margin at other companies

M&T BankMTB

32.2%-5.2pp

KeyCorpKEY

28.4%—

RBB BancorpRBB

824.3%-266pp

ECB Bancorp, Inc.ECBK

22.2%+5.5pp

SR Bancorp, Inc.SRBK

-22.7%—

Great Southern BancorpGSBC

33.6%-2.1pp

Other financials

Income statement

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Revenue$12.7M-1.0%

Net income$2.2M-3.1%

EPS (diluted)$0.20-4.8%

Balance sheet

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Cash & equivalents$112.9M+123%

Total debt$11.3M-8.9%

Total equity$138.6M+10.1%

Total assets$1.3B+2.3%

Cash flow

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Operating cash flow$3.5M-18.4%

CapEx$637.0K+449%

Free cash flow$2.9M-31.3%

Valuation

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Market cap$191.15M+42.5%

Enterprise value$89.57M+57.5%

P/E19.2×—

P/S3.6×-0.4×

Profitability

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Net margin18.7%+12.0pp

Returns & leverage

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Return on equity7.5%+5.2pp

Debt / equity0.1×0.0×

Where this comes from

Calculated from Rhinebeck Bancorp, Inc.’s reported figures.

free cash flow/total revenue=18%

Based on trailing twelve months.

The official record: Rhinebeck Bancorp, Inc.’s 10-Q, filed May 14, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Rhinebeck Bancorp, Inc.'s free cash flow margin?: Rhinebeck Bancorp, Inc. (RBKB) reported free cash flow margin of 18% in Q1 2026.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.