Rhinebeck Bancorp, Inc. (RBKB) Key Metrics
RBKB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $200.9M
- Enterprise value
- −$90.8M
- P/E (TTM)
- 14.1 10-yr median 10.7
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 3.9 10-yr median 1.3
- Price / book
- 1.4 10-yr median 0.7
- EV / EBITDA
- — 10-yr median 3.6
- Dividend yield
- —
- Beta
- 0.17
RBKB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsRBKB valuation Price multiples at each fiscal year-end price.
RBKB returns How much profit the business earns on the capital it uses.
RBKB per-share figures Results divided by the shares outstanding at year-end.
RBKB financial health Debt, liquidity and how easily interest is covered.
RBKB efficiency & capital use Working capital cycle and where the cash goes.
RBKB valuation history
RBKB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
RBKB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
RBKB cash returned to shareholders
RBKB price vs earnings per share
RBKB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $94.3M | $74.5M | $62.6M | $71.8M | $83.6M | $65.7M | $86.7M | — | — | — |
| Enterprise value | $2.6M | $2.2M | $36.7M | −$105.8M | −$192.9M | −$74.9M | $31.3M | — | — | — |
| P/E ratio | 9.4 | — | 14.2 | 10.3 | 7.2 | 11.1 | 14.5 | — | — | — |
| Price / sales | 1.2 | 1.4 | 0.9 | 1.3 | 1.6 | 1.2 | 1.9 | — | — | — |
| Price / book | 0.7 | 0.6 | 0.6 | 0.7 | 0.7 | 0.6 | 0.8 | — | — | — |
| Price / free cash flow | 8.7 | 9.7 | 9.7 | 5.3 | 14.2 | 5.1 | 9.1 | — | — | — |
| Price / operating cash flow | 8.0 | 8.8 | 8.9 | 4.9 | 10.9 | 4.4 | 7.2 | — | — | — |
| EV / sales | 0.0 | 0.0 | 0.6 | -1.9 | -3.8 | -1.4 | 0.7 | — | — | — |
| EV / EBITDA | 0.2 | — | 5.2 | — | — | — | 3.6 | — | — | — |
| EV / free cash flow | 0.2 | 0.3 | 5.7 | — | — | — | 3.3 | — | — | — |
| Earnings yield | 10.7% | −11.6% | 7.0% | 9.8% | 13.8% | 9.0% | 6.9% | — | — | — |
| Free cash flow yield | 11.6% | 10.3% | 10.3% | 19.0% | 7.0% | 19.7% | 11.0% | — | — | — |
| Dividend yield | — | — | — | — | 0.0% | — | 34.3% | — | — | — |
| Shareholder yield (dividends + buybacks) | 0.1% | 0.0% | 2.3% | 0.2% | 0.2% | 0.0% | 81.7% | — | — | — |
| Share price at fiscal year-end | $8.60 | $6.92 | $5.76 | $6.52 | $7.63 | $6.12 | $8.10 | — | — | — |
| Per share | ||||||||||
| Revenue per share | $6.92 | $5.04 | $6.12 | $4.95 | $4.67 | $4.91 | $4.35 | $9.44 | $8.23 | $7.73 |
| Earnings per share | $0.92 | −$0.80 | $0.40 | $0.64 | $1.06 | $0.55 | $0.56 | $1.05 | $0.72 | $0.65 |
| Operating cash flow per share | $1.07 | $0.79 | $0.65 | $1.34 | $0.70 | $1.38 | $1.13 | $2.07 | $1.29 | $1.18 |
| Free cash flow per share | $0.99 | $0.71 | $0.60 | $1.24 | $0.54 | $1.21 | $0.89 | $1.79 | $1.13 | $0.92 |
| Cash per share | $11.13 | $13.69 | $14.65 | $21.85 | $27.36 | $18.29 | $11.84 | $36.49 | $29.73 | $36.81 |
| Book value per share | $12.49 | $11.32 | $10.47 | $9.83 | $11.50 | $10.85 | $10.26 | $14.24 | $13.21 | $12.62 |
| Tangible book value per share | $12.27 | $11.10 | $10.24 | $9.59 | $11.26 | $10.70 | $10.11 | $13.83 | $12.77 | $11.77 |
| Dividends per share | — | — | — | — | $0.00 | — | $2.77 | $0.00 | $0.00 | $0.00 |
| Capex per share | $0.08 | $0.07 | $0.05 | $0.10 | $0.16 | $0.17 | $0.24 | $0.28 | $0.17 | $0.25 |
| Debt per share | $2.77 | $6.96 | $12.27 | $5.71 | $2.12 | $5.20 | $6.67 | $10.03 | $4.82 | $3.52 |
| Shares outstanding | 11.0M | 10.8M | 10.9M | 11.0M | 11.0M | 10.7M | 10.7M | 4.2M | 4.2M | 4.2M |
| Change in shares outstanding | +1.9% | −0.9% | −1.4% | +0.5% | +2.0% | +0.3% | +157.2% | 0.0% | 0.0% | 0.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 7.8% | −7.3% | 4.0% | 6.0% | 9.5% | 5.2% | 7.1% | 7.6% | 5.6% | 5.2% |
| Return on invested capital (ROIC) | 21.2% | −12.6% | 47.8% | — | — | — | 325.9% | — | — | — |
| Return on assets (ROA) | 0.8% | −0.7% | 0.3% | 0.5% | 1.0% | 0.6% | 0.6% | 0.5% | 0.4% | 0.4% |
| Return on tangible assets | 0.8% | −0.7% | 0.3% | 0.5% | 0.9% | 0.5% | 0.6% | 0.5% | 0.4% | 0.4% |
| Free cash flow margin | 14.4% | 14.2% | 9.7% | 25.1% | 11.5% | 24.6% | 20.4% | 19.0% | 13.7% | 11.9% |
| Income quality (OCF / net income) | 1.17 | — | 1.60 | 2.11 | 0.66 | 2.51 | 2.03 | 1.98 | 1.79 | 1.82 |
| Financial health | ||||||||||
| Total debt | $30.3M | $74.9M | $133.2M | $62.9M | $23.2M | $55.8M | $71.5M | $41.8M | $20.1M | $14.7M |
| Cash & short-term investments | $122.0M | $147.2M | $159.1M | $240.5M | $299.7M | $196.4M | $126.8M | $151.9M | $123.8M | $153.2M |
| Net debt | −$91.7M | −$72.3M | −$25.8M | −$177.6M | −$276.5M | −$140.6M | −$55.4M | −$110.1M | −$103.7M | −$138.6M |
| Debt / equity | 0.22 | 0.62 | 1.17 | 0.58 | 0.18 | 0.48 | 0.65 | 0.70 | 0.36 | 0.28 |
| Debt / assets | 0.02 | 0.06 | 0.10 | 0.05 | 0.02 | 0.05 | 0.07 | 0.05 | 0.03 | 0.02 |
| Net debt / EBITDA | −6.53 | — | −3.64 | −16.83 | −16.61 | −15.82 | −6.27 | −16.83 | −13.28 | −26.07 |
| Current ratio | 0.12 | 0.15 | 0.16 | 0.21 | 0.27 | 0.21 | 0.17 | 0.22 | 0.19 | 0.24 |
| Quick ratio | 0.12 | 0.15 | 1.13 | 0.21 | 0.34 | 0.31 | 0.19 | 0.22 | 0.19 | 0.24 |
| Interest coverage | 0.6 | -0.4 | 0.2 | 1.3 | 3.5 | 0.9 | 0.9 | 1.0 | 2.0 | 1.3 |
| Working capital | −$972.0M | −$889.1M | −$866.8M | −$910.5M | −$819.8M | −$747.8M | −$654.8M | −$545.1M | −$533.9M | −$493.1M |
| Invested capital | $45.1M | $49.5M | $87.9M | −$69.5M | −$150.6M | −$24.1M | $54.5M | −$50.9M | −$48.7M | −$86.1M |
| Tangible asset value | $134.5M | $119.4M | $111.2M | $105.6M | $123.3M | $114.9M | $108.2M | $57.6M | $53.1M | $49.0M |
| Net current asset value | −$1.04B | −$982.3M | −$1.04B | −$983.1M | −$852.1M | −$812.1M | −$734.4M | −$668.7M | −$561.2M | −$514.8M |
| Graham number | $16.05 | — | $9.77 | $11.86 | $16.52 | $11.60 | $11.34 | $18.31 | $14.64 | $13.54 |
| Graham net-net per share | −$94.83 | −$91.41 | −$141.55 | −$89.43 | −$81.31 | −$80.24 | −$69.41 | −$160.59 | −$134.67 | −$123.47 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | — | — | $36,000 | — | $29.7M | $0 | $0 | $0 |
| Share buybacks (net) | $95,000 | $0 | $1.5M | $111,000 | $125,000 | $0 | $41.1M | $0 | $0 | $0 |
| Dividend payout ratio | — | — | — | — | 0.3% | — | 498.2% | 0.0% | 0.0% | 0.0% |
| Dividends + buybacks / free cash flow | 0.9% | 0.0% | 22.5% | 0.8% | 2.7% | 0.0% | 743.4% | 0.0% | 0.0% | 0.0% |
| Capex / revenue | 1.1% | 1.5% | 0.9% | 2.1% | 3.5% | 3.5% | 5.6% | 2.9% | 2.0% | 3.3% |
| Capex / operating cash flow | 7.2% | 9.3% | 8.2% | 7.7% | 23.2% | 12.6% | 21.4% | 13.3% | 12.9% | 21.6% |
| Capex / depreciation | 0.63 | 0.56 | 0.39 | 0.68 | 1.07 | 1.31 | 1.94 | 0.96 | 0.58 | 0.81 |
| Stock-based compensation / revenue | 0.4% | 0.4% | 0.8% | 1.5% | 1.7% | 0.7% | 0.5% | 5.9% | −2.0% | 3.4% |
| SG&A / revenue | 16.0% | 40.7% | 32.0% | 42.4% | 45.7% | 37.0% | 38.9% | 43.5% | 47.0% | 48.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 22.4 | 30.4 | 24.4 | 25.5 | 25.7 | 23.3 | 21.2 | 21.7 | 22.0 | 22.4 |
| Days of inventory on hand | — | — | -14,950.8 | — | -50,897.5 | -1,369.5 | -238.1 | 96.4 | 213.6 | 243.9 |
| Days payables outstanding | — | — | — | 25,181.4 | 597,941.5 | 20,501.7 | 23,755.8 | 32,823.5 | 56,044.0 | 53,126.9 |
| Cash conversion cycle (days) | — | — | — | -25,155.9 | -648,813.4 | -21,847.9 | -23,972.7 | -32,705.4 | -55,808.4 | -52,860.6 |
| Receivables turnover | 16.28 | 11.99 | 14.97 | 14.31 | 14.23 | 15.68 | 17.18 | 16.82 | 16.60 | 16.27 |
| Payables turnover | — | — | — | 0.01 | 0.00 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | — | — | — | — | — | — | — | 3.79 | 1.71 | 1.50 |
| Asset turnover | 0.06 | 0.04 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | $4.7M | $4.5M | $4.4M | $3.8M | $3.6M | $3.4M | $2.7M | $2.3M | $2.1M | $2.0M |
| Average payables | — | — | — | $563.7M | $1.02B | $851.4M | $728.9M | $667.3M | $644.9M | $618.6M |
| Average inventory | — | — | −$999.3M | — | −$86.5M | −$56.9M | −$7.3M | $2.0M | $2.5M | $2.8M |
| Intangibles / total assets | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.5% |
Computed from RBKB's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
RBKB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Rhinebeck Bancorp traded at 9.4 times earnings, against a 10-year median of 10.7. Based on the latest twelve months, the trailing P/E is 14.1. Rhinebeck Bancorp earned a return on equity of 7.8% and a return on invested capital of 21.2% in fiscal 2025. It ended the year with $30.3 million of debt and $122.0 million in cash and short-term investments, a net cash position of $91.7 million. It returned $0.1 million to shareholders: $0 in dividends and $0.1 million in share buybacks, 1% of free cash flow. The share count rose 163.3% from 4.2M to 11.0M over 9 years.
See the RBKB income statement, the RBKB chart for price history, or the RBKB stock overview for the latest quote and news.
RBKB key metrics FAQ
What is Rhinebeck Bancorp's P/E ratio?
Rhinebeck Bancorp's trailing P/E ratio is 14.1 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 9.4, compared with a 10-year median of 10.7.
What is Rhinebeck Bancorp's EV/EBITDA?
Rhinebeck Bancorp's enterprise value was 0.2 times EBITDA at the end of fiscal 2025 (enterprise value $2.6 million, EBITDA $14.0 million).
What is Rhinebeck Bancorp's return on equity?
Rhinebeck Bancorp's return on equity (ROE) was 7.8% in fiscal 2025: net income of $10.0 million on average shareholders' equity of $129.3 million.
What is Rhinebeck Bancorp's ROIC?
Rhinebeck Bancorp's return on invested capital was 21.2% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Rhinebeck Bancorp have?
Rhinebeck Bancorp had total debt of $30.3 million at the end of fiscal 2025, a debt-to-equity ratio of 0.22 and more cash than debt.
Does Rhinebeck Bancorp buy back its shares?
Yes. Rhinebeck Bancorp spent $0.1 million on net share repurchases in fiscal 2025 Shares outstanding changed +1.9% over the year, to 11.0M..
What is Rhinebeck Bancorp's free cash flow yield?
Rhinebeck Bancorp generated $10.9 million of free cash flow in fiscal 2025, a free cash flow yield of 11.6% on its market value at year-end ($94.3 million).
What is Rhinebeck Bancorp's current ratio?
Rhinebeck Bancorp's current ratio was 0.12 at the end of fiscal 2025: current assets were 0.12 times current liabilities.