Rhinebeck Bancorp, Inc. (RBKB) Earnings History
Growth Compounder13 years of earnings data (2013–2025) · Consistent double-digit EPS growth over 5 years
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Rhinebeck Bancorp, Inc. (RBKB) Earnings Overview
As of July 8, 2026, Rhinebeck Bancorp, Inc. (RBKB) reported trailing twelve-month net income of $10M, reflecting +215.0% year-over-year growth. The company earned $0.91 per diluted share over the past four quarters, with a net profit margin of 13.2%.
Looking at the long-term picture, RBKB's 5-year EPS compound annual growth rate (CAGR) stands at +10.8%, showing solid earnings momentum. The company achieved its highest annual net income of $12M in fiscal 2021.
Rhinebeck Bancorp, Inc. maintains positive profitability with a gross margin of 68.2%, operating margin of 16.7%, and net margin of 13.2%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), NECB ($44M net income, 28.2% margin), MNSB ($17M net income, 11.5% margin), RBKB has room to improve margins relative to the peer group. Compare RBKB vs CZWI →
RBKB Earnings vs Peers
Earnings metrics vs comparable public companies
RBKB Historical Earnings Data (2013–2025)
13 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $10M | +216.5% | $13M | $0.92 | 13.2% | 16.7% |
| 2024 | -$9M | -296.1% | -$11M | $-0.80 | -15.9% | -20.2% |
| 2023 | $4M | -37.2% | $6M | $0.40 | 6.6% | 8.5% |
| 2022 | $7M | -39.5% | $9M | $0.64 | 12.8% | 16.3% |
| 2021 | $12M | +95.3% | $15M | $1.06 | 22.6% | 29.3% |
| 2020 | $6M | -0.8% | $7M | $0.55 | 11.2% | 14.2% |
| 2019 | $6M | +36.9% | $7M | $0.56 | 12.8% | 16.1% |
| 2018 | $4M | +45.1% | $5M | $1.05 | 11.1% | 13.7% |
| 2017 | $3M | +11.6% | $7M | $0.72 | 8.8% | 19.3% |
| 2016 | $3M | +213.7% | $4M | $0.65 | 8.4% | 12.5% |
| 2015 | $857,207 | -7.2% | $10M | $0.21 | 2.9% | 34.9% |
| 2014 | $923,258 | -33.7% | $9M | $0.22 | 3.3% | 31.7% |
| 2013 | $1M | - | $9M | $0.33 | 4.8% | 30.7% |
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RBKB — Frequently Asked Questions
Quick answers to the most common questions about buying RBKB stock.
What is RBKB earnings per share (EPS)?
RBKB trailing twelve-month (TTM) diluted EPS is $0.91, reflecting +215.0% year-over-year growth. The 5-year EPS CAGR is +10.8%. Complete EPS history from 2013 to 2025 is available in the table on this page.
What is Rhinebeck Bancorp, Inc.'s net income?
Rhinebeck Bancorp, Inc. (RBKB) trailing twelve-month net income is $10M as of 2025. Earnings grew +215.0% year-over-year.
Is RBKB profitable?
Yes, RBKB is profitable with a TTM net income of $10M and a net profit margin of +13.2%.
What is RBKB's earnings growth rate?
RBKB compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: +12.9%, 5-Year: +10.8%, 10-Year: +15.9%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2013 to 2025.
What are RBKB's profit margins?
Rhinebeck Bancorp, Inc. net profit margin is +13.2%, operating margin is +16.7%, and gross margin is +68.2%. Margins are within a typical range for the sector. Return on Equity is +7.8%.
Is RBKB growing earnings?
Yes, RBKB earnings are accelerating — EPS growth of +215.0% exceeds the 5-year CAGR of +10.8%. TTM net income reached $10M. Earnings momentum is strengthening.
What was RBKB's best earnings year?
Rhinebeck Bancorp, Inc.'s highest annual net income on record is $12M, achieved in fiscal year 2021. Earnings history on this page spans 2013 to 2025 and includes all annual and quarterly figures.
What were RBKB's earnings last quarter?
RBKB's most recent reported quarter was Q1 2026. Net income was $2M with diluted EPS of $0.20. For a full breakdown of all quarters, see the quarterly earnings table on this page.