Rhinebeck Bancorp, Inc. (RBKB) Income Statement
RBKB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsRBKB revenue and net income
Where RBKB's revenue goes
2025Each bar shows an amount and its share of revenue. RBKB kept 13.2% of revenue as net income.
RBKB profit margins
RBKB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +39.8% | +11.6% | +7.6% | +10.0% |
| Gross profit | +99.6% | +3.7% | +6.6% | +5.8% |
| Operating income | — | +12.6% | +11.2% | +2.2% |
| Net income | — | +12.8% | +11.2% | +27.9% |
| EPS (diluted) | — | +13.0% | +10.2% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
RBKB quarterly EPS vs estimates
Rhinebeck Bancorp beat the analyst EPS estimate in 1 of the last 1 quarters. Next report: October 27, 2026.
RBKB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $75.8M | $54.3M | $66.4M | $54.5M | $51.1M | $52.7M | $46.6M | $39.3M | $34.3M | $32.2M |
| Cost of revenue | $24.1M | $28.3M | $24.4M | $8.2M | $620,000 | $15.2M | $11.2M | $7.4M | $4.2M | $4.2M |
| Gross profit | $51.7M | $25.9M | $42.0M | $46.4M | $50.5M | $37.5M | $35.4M | $31.9M | $30.1M | $27.9M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $12.1M | $22.1M | $21.2M | $23.1M | $23.3M | $19.5M | $18.1M | $17.1M | $16.1M | $15.6M |
| Total operating expenses | $39.0M | $36.9M | $36.4M | $37.5M | $35.5M | $30.1M | $27.9M | $26.5M | $23.5M | $23.9M |
| Operating income | $12.7M | −$10.9M | $5.6M | $8.9M | $15.0M | $7.5M | $7.5M | $5.4M | $6.6M | $4.0M |
| Interest income | $68.9M | $63.8M | $58.4M | $48.6M | $43.7M | $44.4M | $41.0M | $33.7M | $27.9M | $25.6M |
| Interest expense | $22.5M | $25.5M | $22.7M | $6.8M | $4.3M | $8.0M | $8.7M | $5.3M | $3.3M | $3.0M |
| Income before taxes | $12.7M | −$10.9M | $5.6M | $8.9M | $15.0M | $7.5M | $7.5M | $5.4M | $6.6M | $4.0M |
| Income taxes | $2.6M | −$2.3M | $1.2M | $1.9M | $3.4M | $1.6M | $1.5M | $1.0M | $3.6M | $1.3M |
| Net income | $10.0M | −$8.6M | $4.4M | $7.0M | $11.6M | $5.9M | $6.0M | $4.4M | $3.0M | $2.7M |
| EBITDA | $14.0M | −$9.5M | $7.1M | $10.6M | $16.6M | $8.9M | $8.8M | $6.5M | $7.8M | $5.3M |
| EPS (diluted) | $0.91 | −$0.80 | $0.41 | $0.63 | $1.06 | $0.56 | $0.55 | $0.17 | $0.72 | — |
| Gross margin | 68.2% | 47.8% | 63.3% | 85.0% | 98.8% | 71.2% | 76.0% | 81.1% | 87.7% | 86.8% |
| Operating margin | 16.7% | −20.2% | 8.5% | 16.3% | 29.3% | 14.2% | 16.1% | 13.7% | 19.3% | 12.5% |
| Net margin | 13.2% | −15.9% | 6.6% | 12.8% | 22.6% | 11.2% | 12.8% | 11.1% | 8.8% | 8.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.4M | $18.1M | $19.4M | $19.7M | $18.4M | $18.4M | $13.8M | $6.0M | $17.3M | $17.2M | $17.0M | $17.2M |
| Cost of revenue | $5.5M | $5.5M | $6.4M | $6.6M | $5.2M | $6.0M | $7.2M | $7.2M | $7.1M | $6.8M | $6.7M | $6.8M |
| Gross profit | −$2.1M | $12.6M | $13.0M | $13.1M | $13.2M | $12.4M | $6.6M | −$1.2M | $10.2M | $10.3M | $10.3M | $10.4M |
| Sales, general & admin | $774,000 | $538,000 | $10.1M | $652,000 | $715,000 | $677,000 | $6.0M | $5.5M | $5.3M | $5.4M | $5.1M | $5.1M |
| Total operating expenses | $774,000 | $9.7M | $10.1M | $9.7M | $9.7M | $9.5M | $9.9M | $9.1M | $8.9M | $8.9M | $9.1M | $8.8M |
| Operating income | −$2.9M | $2.9M | $2.9M | $3.3M | $3.5M | $2.9M | −$3.3M | −$10.3M | $1.3M | $1.4M | $1.2M | $1.6M |
| Interest income | $17.0M | $16.6M | $17.7M | $17.8M | $16.8M | $16.6M | $16.3M | $16.0M | $15.8M | $15.6M | $15.6M | $15.5M |
| Interest expense | $5.1M | $5.4M | $5.9M | $5.7M | $5.3M | $5.6M | $5.8M | $6.3M | $6.6M | $6.7M | $6.4M | $5.9M |
| Income before taxes | $3.4M | $2.9M | $2.9M | $3.3M | $3.5M | $2.9M | −$3.3M | −$10.3M | $1.3M | $1.4M | $1.2M | $1.6M |
| Income taxes | $762,000 | $635,000 | $591,000 | $648,000 | $762,000 | $639,000 | −$683,000 | −$2.2M | $282,000 | $321,000 | $261,000 | $343,000 |
| Net income | $2.6M | $2.2M | $2.3M | $2.7M | $2.7M | $2.3M | −$2.7M | −$8.1M | $975,000 | $1.1M | $930,000 | $1.2M |
| EBITDA | −$2.5M | $3.2M | $3.4M | $3.6M | $3.8M | $3.3M | −$3.0M | −$9.9M | $1.6M | $1.8M | $1.5M | $2.0M |
| EPS (diluted) | $0.24 | $0.20 | $0.21 | $0.25 | $0.25 | $0.21 | −$0.25 | −$0.75 | $0.09 | $0.10 | $0.09 | $0.11 |
| Gross margin | −60.9% | 69.6% | 67.0% | 66.4% | 71.9% | 67.6% | 47.9% | −20.3% | 59.0% | 60.2% | 60.7% | 60.5% |
| Operating margin | −83.6% | 15.8% | 15.1% | 17.0% | 19.0% | 15.9% | −24.2% | −171.3% | 7.3% | 8.4% | 7.0% | 9.2% |
| Net margin | 76.7% | 12.3% | 12.0% | 13.7% | 14.8% | 12.4% | −19.2% | −134.1% | 5.6% | 6.5% | 5.5% | 7.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in RBKB's financial statements (latest annual report filed March 13, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
RBKB financial results
In fiscal year 2025 (ended December 31, 2025), Rhinebeck Bancorp reported revenue of $75.8 million, up 39.8% from the year before. It had net income of $10.0 million, a net profit margin of 13.2%. Diluted earnings per share came to $0.91. Over five years revenue grew at an average rate of 7.6% a year.
See the RBKB stock overview for the latest quote and news, or the RBKB chart for price history and technical indicators.
RBKB income statement FAQ
What is Rhinebeck Bancorp's annual revenue?
Rhinebeck Bancorp reported total revenue of $75.8 million for fiscal year 2025, which ended on December 31, 2025. That was up 39.8% from $54.3 million the previous year.
Is Rhinebeck Bancorp profitable?
Yes. Rhinebeck Bancorp reported net income of $10.0 million in fiscal 2025, a net profit margin of 13.2%; its operating margin was 16.7%.
What is Rhinebeck Bancorp's gross margin?
Rhinebeck Bancorp's gross margin was 68.2% in fiscal 2025: for every $100 of revenue, Rhinebeck Bancorp kept $68 after the direct cost of its products and services.
How fast is Rhinebeck Bancorp growing?
Revenue grew 7.6% a year on average over the last five fiscal years, from $52.7 million to $75.8 million.
What are Rhinebeck Bancorp's earnings per share?
Rhinebeck Bancorp earned $0.91 per diluted share in fiscal 2025, compared with $-0.80 a year earlier.
When will Rhinebeck Bancorp report its next earnings?
Rhinebeck Bancorp is expected to report results for the quarter ending September 30, 2026 on October 27, 2026.
When does Rhinebeck Bancorp's fiscal year end?
Rhinebeck Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 13, 2026.