Rhinebeck Bancorp, Inc.RBKBEarnings & Financial Report
Rhinebeck Bancorp, Inc. is a US regional bank holding company based in New York. It operates Rhinebeck Bank, offering retail and commercial banking services including deposit accounts, loans, mortgages and wealth management, mainly serving consumers and small-to-medium businesses across New York's Hudson Valley region.
RBKB Q4 FY2025 Key Financial Metrics
Revenue
$13.5M
Gross Profit
N/A
Operating Profit
$2.9M
Net Profit
$2.3M
Gross Margin
N/A
Operating Margin
21.7%
Net Margin
17.3%
YoY Growth
1701.1%
EPS
$0.21
Rhinebeck Bancorp, Inc. Q4 FY2025 Financial Summary
Rhinebeck Bancorp, Inc. reported revenue of $13.5M (up 1701.1% YoY) for Q4 FY2025, with a net profit of $2.3M (up 188.0% YoY) (17.3% margin).
Key Financial Metrics
| Total Revenue | $13.5M |
|---|---|
| Net Profit | $2.3M |
| Gross Margin | N/A |
| Operating Margin | 21.7% |
| Report Period | Q4 FY2025 |
Rhinebeck Bancorp, Inc. Annual Revenue by Year
Rhinebeck Bancorp, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $53.4M).
Rhinebeck Bancorp, Inc. Quarterly Revenue & Net Profit History
Rhinebeck Bancorp, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $13.5M | +1701.1% | $2.3M | 17.3% |
| Q3 FY2025 | $14.0M | +1707.8% | $2.7M | 19.3% |
| Q2 FY2025 | $13.1M | +22.9% | $2.7M | 20.8% |
| Q1 FY2025 | $12.8M | +22.9% | $2.3M | 17.9% |
| Q4 FY2024 | $750.0K | -92.9% | $-2.7M | -353.9% |
| Q3 FY2024 | $773.0K | -93.2% | $-8.1M | -1042.9% |
| Q2 FY2024 | $10.7M | -0.1% | $975.0K | 9.2% |
| Q1 FY2024 | $10.4M | -7.5% | $1.1M | 10.8% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.4M | $10.7M | $773000 | $750000 | $12.8M | $13.1M | $14.0M | $13.5M |
| YoY Growth | -7.5% | -0.1% | -93.2% | -92.9% | 22.9% | 22.9% | 1707.8% | 1701.1% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $1.30B | $1.28B | $1.27B | $1.26B | $1.26B | $1.27B | $1.32B | $1.30B |
| Liabilities | $1.18B | $1.16B | $1.14B | $1.13B | $1.13B | $1.15B | $1.18B | $1.16B |
| Equity | $114.3M | $116.2M | $122.7M | $121.8M | $126.0M | $129.0M | $133.0M | $136.9M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $-3.5M | $12.0M | $-3.6M | $8.5M | $4.3M | $2.4M | $2.2M | $11.7M |