Rhinebeck Bancorp (RBKB) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Rhinebeck Bancorp had a P/E ratio of 12.99, return on equity of 7.8% (up from -7.3%), debt-to-equity of 0.32 (down from 0.73) and return on assets of 0.8% (up from -0.7%).

Rhinebeck Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	12.99	-	19.67	14.23	10.07	15.51
P/S Ratio	2.52	4.02	2.08	2.15	2.31	2.44
P/B Ratio	0.95	0.85	0.76	0.92	0.92	0.79
Price/Tangible Book	0.97	0.87	0.78	0.94	0.94	0.80
Price/FCF	11.98	13.57	13.36	7.29	19.80	7.07
Price/OCF	11.11	12.30	12.27	6.73	15.21	6.18
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	7.77%	-7.32%	3.96%	5.98%	9.53%	5.23%
Return on Assets (ROA)	0.79%	-0.67%	0.33%	0.54%	0.96%	0.56%
Leverage & Solvency Ratios
Debt/Equity	0.32	0.73	1.28	0.69	0.25	0.53
Debt/FCF	4.01	11.60	22.54	5.44	5.39	4.79
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.70%	-8.27%	5.08%	7.03%	9.93%	6.45%
FCF Yield	8.35%	7.37%	7.48%	13.72%	5.05%	14.14%
Buyback Yield	-1.86%	0.90%	1.35%	-0.46%	-2.00%	-0.30%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Rhinebeck Bancorp Financial Ratios

What is Rhinebeck Bancorp's P/E ratio?

Rhinebeck Bancorp's P/E ratio was 12.99 for fiscal 2025 (period ended Dec 31, 2025).

What is Rhinebeck Bancorp's return on equity?

Rhinebeck Bancorp's return on equity (ROE) was 7.8% for fiscal 2025 (period ended Dec 31, 2025). It was -7.3% a year earlier.

What is Rhinebeck Bancorp's debt-to-equity ratio?

Rhinebeck Bancorp's debt-to-equity ratio was 0.32 for fiscal 2025 (period ended Dec 31, 2025). It was 0.73 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition