Rhinebeck Bancorp Ratios (2017-2025) | RBKB

Ratios Sep2017 Dec2017 Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Profitability
Gross Margin 81.15%75.26%77.79%79.41%77.23%71.01%78.07%83.43%82.97%67.43%85.55%76.38%82.08%48.77%83.43%71.53%80.36%66.62%85.31%80.08%82.25%75.28%83.71%84.38%83.31%70.27%74.13%69.37%79.57%
EBT Margin 550.73%147.45%125.93%111.52%284.08%214.82%162.75%213.73%362.28%320.50%211.96%344.85%258.42%515.76%679.64%527.02%529.22%588.89%353.97%359.63%378.96%164.20%144.49%253.62%213.96%166.34%194.08%170.79%-1,332.34%-444.93%378.65%479.12%452.37%
EBIT Margin 187.28%289.13%287.88%298.16%59.62%45.10%-913.32%-907.70%-859.95%-972.47%-1,041.41%-1,283.23%-1,248.92%-1,433.27%-1,220.36%-1,359.87%-1,294.13%-1,328.57%-1,206.23%-1,271.95%-1,215.43%-1,296.02%-1,214.55%-1,213.65%-1,112.20%-1,198.74%-1,111.04%-1,131.25%-1,091.46%-1,255.47%-1,155.89%-1,264.01%-1,236.67%
EBITDA Margin 187.28%289.13%287.88%298.16%59.62%45.10%-913.32%-907.70%-859.95%-972.47%-1,041.41%-1,283.23%-1,248.92%-1,433.27%-1,220.36%-1,359.87%-1,294.13%-1,328.57%-1,206.23%-1,271.95%-1,215.43%-1,296.02%-1,214.55%-1,213.65%-114.50%-1,198.74%-1,111.04%-1,131.25%830.01%-1,255.47%-1,155.89%-1,264.01%-1,236.67%
Operating Margin 187.28%59.62%45.10%-913.32%-907.70%-859.95%-972.47%-1,041.41%-1,283.23%-1,248.92%-1,433.27%-1,220.36%-1,359.87%-1,294.13%-1,328.57%-1,206.23%-1,271.95%-1,215.43%-1,296.02%-1,214.55%-1,213.65%-1,112.20%-1,198.74%-1,111.04%-1,131.25%-1,091.46%-1,255.47%-1,155.89%-1,264.01%-1,236.67%
Net Margin 427.73%-202.97%103.70%88.94%250.19%154.38%130.52%171.01%286.83%241.00%164.88%272.32%206.09%142.38%545.32%415.05%404.37%431.02%290.79%287.39%295.51%114.77%112.71%199.30%167.48%80.73%150.87%132.47%-1,042.95%-353.87%295.99%374.45%364.68%
FCF Margin 25.70%1,142.76%-279.72%179.87%139.56%151.43%276.19%468.18%450.95%500.92%-346.67%566.67%1,447.64%383.91%-121.52%439.91%197.69%980.31%374.08%781.21%-208.66%429.80%164.62%315.04%-11.17%-503.90%1,608.42%-468.95%428.00%542.95%308.52%274.83%
Efficiency
Assets Average 851.07M883.59M898.92M929.56M959.99M990.61M1,067.80M1,120.45M1,120.70M1,162.93M1,203.61M1,236.45M1,271.94M1,281.33M1,287.15M1,292.75M1,314.33M1,343.68M1,344.27M1,326.29M1,314.32M1,305.99M1,287.37M1,271.06M1,260.95M1,255.84M1,265.09M1,295.13M
Equity Average 56.08M58.15M81.03M104.23M106.97M109.07M111.89M113.79M114.44M115.84M117.68M120.36M123.03M125.09M121.63M115.32M110.07M107.47M109.42M109.09M107.07M110.18M113.98M115.23M119.43M122.25M123.90M127.47M130.98M
Invested Capital 57.19M54.98M57.01M59.28M102.78M105.68M108.25M109.88M113.90M113.68M115.19M116.50M118.86M121.86M124.20M125.97M117.29M113.34M106.80M108.13M110.72M107.46M106.67M113.69M114.27M116.20M122.67M121.83M125.97M128.96M133.00M
Asset Utilization Ratio 0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
Leverage & Solvency
Interest Coverage Ratio 1.382.041.781.600.330.20-3.57-2.95-2.66-2.78-2.81-2.84-3.78-5.39-5.85-7.58-8.59-10.13-9.90-10.30-5.95-2.56-1.81-1.55-1.40-1.33-1.22-1.25-1.33-1.62-1.60-1.75-1.60
Debt to Equity 0.270.940.530.750.610.440.600.700.520.480.430.310.180.160.140.140.210.350.530.960.990.821.130.950.690.490.570.430.210.20
Debt Ratio 0.020.070.040.090.070.050.070.080.050.050.040.030.020.020.010.010.020.030.040.080.080.070.100.080.060.050.060.040.020.02
Equity Ratio 0.070.070.070.120.120.110.110.110.100.100.100.100.100.100.100.090.090.080.080.080.080.080.090.090.090.100.100.100.100.10
Times Interest Earned 1.382.041.781.600.330.20-3.57-2.95-2.66-2.78-2.81-2.84-3.78-5.39-5.85-7.58-8.59-10.13-9.90-10.30-5.95-2.56-1.81-1.55-1.40-1.33-1.22-1.25-1.33-1.62-1.60-1.75-1.60
Dividends & Payouts
FCF Payout Ratio 0.11
Valuation
Enterprise Value -113.30M-102.39M133.60M122.69M119.13M125.92M71.25M73.03M70.36M95.19M115.23M121.91M121.35M48.33M114.77M104.49M110.14M71.42M50.18M21.99M48.30M67.01M62.89M52.59M56.18M69.73M71.57M40.56M22.69M
Market Capitalization 133.60M122.69M119.13M125.92M71.25M73.03M70.36M95.19M115.23M121.91M121.35M120.42M114.77M104.49M110.14M102.80M86.33M75.94M75.06M89.13M93.56M87.03M102.56M107.22M122.08M130.18M126.16M
Return Ratios
Return on Sales 1.05%0.73%1.55%1.60%1.78%1.86%2.08%2.17%2.41%2.19%1.93%2.97%3.33%3.81%4.47%3.84%3.52%3.26%2.47%2.03%1.81%1.49%1.40%1.50%1.33%-1.82%-2.87%-2.46%-1.89%1.69%
Return on Invested Capital 0.06%-0.04%-0.09%-0.14%-0.19%-0.18%-0.18%-0.18%-0.14%-0.16%-0.17%-0.18%-0.21%-0.22%-0.24%-0.25%-0.26%-0.25%-0.25%-0.25%-0.22%-0.21%-0.21%-0.24%-0.22%-0.22%-0.22%-0.22%
Return on Assets 0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.00%0.00%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-0.01%-0.01%0.00%0.00%
Return on Equity 0.07%0.06%0.05%0.05%0.05%0.05%0.05%0.05%0.04%0.06%0.07%0.08%0.09%0.08%0.08%0.08%0.07%0.05%0.05%0.04%0.04%0.04%0.03%-0.05%-0.07%-0.06%-0.04%0.04%