Rhinebeck Bancorp (RBKB) Gross Margin (2018 - 2025)

Rhinebeck Bancorp (RBKB) has 8 years of Gross Margin data on file, last reported at 61.69% in Q4 2025.

• Gross Margin for Q4 2025 came in at 61.69%, down 857.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 71.21% (down 920.0% YoY), and the FY2025 annual result was 71.21%, down 920.0% from the prior year.
• Gross Margin declined to 61.69% in Q4 2025 per RBKB's latest filing, from 79.57% in the prior quarter.
• Over five years, Gross Margin peaked at 85.55% in Q1 2021 and troughed at 48.77% in Q4 2021.
• A 5-year average of 76.2% and a median of 79.83% in 2023 frame the typical range for Gross Margin.
• The sharpest annual moves came in 2021 and 2022: Gross Margin plunged 1865 bps in 2021, then soared 1785 bps in 2022.
• A 5-year view of Gross Margin shows it stood at 48.77% in 2021, then jumped by 37 bps to 66.62% in 2022, then rose by 13 bps to 75.28% in 2023, then dropped by 7 bps to 70.27% in 2024, then retreated by 12 bps to 61.69% in 2025.
• Business Quant data shows RBKB's Gross Margin at 61.69% in Q4 2025, 79.57% in Q3 2025, and 69.37% in Q2 2025.