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Rhinebeck Bancorp, Inc. RBKB Gain (Loss) on Sale of Mortgage Loans

Gain (Loss) on Sale of Mortgage Loans at other companies

Customers Bancorp logo
Customers BancorpCUBI
$1.04M+52,100%
Fulton Financial logo
Fulton FinancialFULT
$2.2M+7.4%
OFG Bancorp logo
OFG BancorpOFG
-$108K-117%
First Financial Corporation logo
First Financial CorporationTHFF
$294K+30.7%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$4.25M+11.3%
Primis Financial Corp. logo
Primis Financial Corp.FRST
$3.46M+72.1%

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:GainLossOnSaleOfMortgageLoans.

The official record: Rhinebeck Bancorp, Inc.’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Rhinebeck Bancorp, Inc.'s gain (loss) on sale of mortgage loans?
Rhinebeck Bancorp, Inc. (RBKB) reported gain (loss) on sale of mortgage loans of $56K in Q4 2025.
How has Rhinebeck Bancorp, Inc.'s gain (loss) on sale of mortgage loans changed year-over-year?
Rhinebeck Bancorp, Inc.'s gain (loss) on sale of mortgage loans increased by 93.1% year-over-year, from $29K to $56K.
What is the long-term trend for Rhinebeck Bancorp, Inc.'s gain (loss) on sale of mortgage loans?
Over 4 years (2021 to 2025), Rhinebeck Bancorp, Inc.'s gain (loss) on sale of mortgage loans has grown at a -44.1% compound annual growth rate (CAGR), from $2.58M to $252K.
What does gain (loss) on sale of mortgage loans mean?
This measures the net profit or loss generated from the sale of mortgage loans to third-party investors in the secondary market. It reflects the spread between the loan origination value and the market price achieved at the time of sale. This metric is a primary driver of non-interest income for banks with significant mortgage banking operations.