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Rhinebeck Bancorp, Inc. RBKB Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

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$43K-41.1%
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-$42K+93.7%
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$9.84K+220%
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$17K+325%
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Sound Financial BancorpSFBC
-$22K0.0%
Equity Bancshares logo
Equity BancsharesEQBK
$3.35M+481%

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
FCF margin18%

Returns & leverage

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Return on equity7.5%+5.2pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Rhinebeck Bancorp, Inc. in its filing.

Tagged under the XBRL concept us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

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 accretion (amortization) of discounts and premiums, investments?
Rhinebeck Bancorp, Inc. (RBKB) reported accretion (amortization) of discounts and premiums, investments of $59K in Q1 2026.
How has Rhinebeck Bancorp, Inc.'s accretion (amortization) of discounts and premiums, investments changed year-over-year?
Rhinebeck Bancorp, Inc.'s accretion (amortization) of discounts and premiums, investments decreased by 39.2% year-over-year, from $97K to $59K.
What is the long-term trend for Rhinebeck Bancorp, Inc.'s accretion (amortization) of discounts and premiums, investments?
Over 3 years (2021 to 2025), Rhinebeck Bancorp, Inc.'s accretion (amortization) of discounts and premiums, investments has grown at a -20.2% compound annual growth rate (CAGR), from -$329K to $167K.
What does accretion (amortization) of discounts and premiums, investments mean?
This represents the non-cash adjustment to interest income resulting from the amortization of premiums or accretion of discounts on investment securities held by the bank. It reflects the systematic allocation of the difference between the purchase price and the par value of debt securities over their remaining life. This adjustment is essential for reconciling net income with cash flow from operations.