undamentalytics Newsletter
Sign in

Rhinebeck Bancorp, Inc. key statistics and ratios

In fiscal 2025, Rhinebeck Bancorp, Inc. had return on equity of 7.8% and a net margin of 18.8%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin9.2%13.0%15.7%13.2%24.7%14.7%10.0%−30.0%18.8%18.4%
Return on equity5.5%7.6%7.1%5.2%9.5%6.0%4.0%−7.3%7.8%7.1%
Return on assets0.4%0.5%0.6%0.6%1.0%0.5%0.3%−0.7%0.8%0.7%
Effective tax rate54.5%18.9%20.4%20.9%22.9%21.3%21.7%—20.8%21.1%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

36 /100

Weak moat

How hard Rhinebeck Bancorp's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 5 / 20

    Net income has been a median 0.6% of total assets over 8 years.

  • Durability 4 / 20

    Net margin has been a median 14.5%; its worst year was -17.0%.

  • Discipline 16 / 20

    The diluted share count rose 1.3% over five years; stock-based pay has been a median 0.7% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (41 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: FCAP vs RBKBCMTV vs RBKBRBKB vs RMBIBOTJ vs RBKB

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Rhinebeck Bancorp, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Rhinebeck Bancorp, Inc.