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Rhinebeck Bancorp (RBKB) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 13, 2026 · Rhinebeck Bancorp (RBKB) Q2 2026 earnings results →
Q2 2026 Revenue up 2% year over year to $13.4M · 20¢ of every $1 of revenue kept as net profit · operating margin 25.3%
Rhinebeck Bancorp made $13.4M in Q2 2026 (+2% Y/Y). Operating margin 25.3%, net earnings $2.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 13, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $13.4M in Q2 2026, up 2% year over year and up 6% from the previous quarter.
Operating profit was $3.4M, a 25.3% margin (down 1.4 points year over year). Operating profit fell $110K even though revenue rose $281K versus Q2 2025, so costs grew faster than sales. Total costs grew 4% against revenue growth of 2%. Net earnings were $2.6M, down 4% year over year. The effective tax rate was 22.6%.
Operating cash flow was $5.6M (up 130% year over year), 214% of net earnings. Non-cash charges added back $65K of share-based compensation. Working capital and other items added $2.9M. Capital expenditures of $205K left free cash flow of $5.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 13, 2026 | $13.4M | +2% | 25.3% | $2.6M | $5.6M |
| Q1 2026 | 10-Q | May 14, 2026 | $12.7M | -1% | 22.5% | $2.2M | $3.5M |
| Q4 2025 | 10-K | Mar 13, 2026 | $13.5M | +69% | 21.7% | $2.3M | $2.8M |
| Q3 2025 | 10-Q | Nov 13, 2025 | $14.0M | 18× | 23.9% | $2.7M | $2.2M |
| Q2 2025 | 10-Q | Aug 12, 2025 | $13.1M | +23% | 26.6% | $2.7M | $2.4M |
| Q1 2025 | 10-Q | May 13, 2025 | $12.8M | +23% | 22.9% | $2.3M | $4.3M |
| Q4 2024 | 10-K | Mar 25, 2025 | $7.5M | -29% | -44.8% | −$2.7M | $3.6M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Rhinebeck Bancorp
Rhinebeck Bancorp, Inc., (the “Company”) a Maryland corporation, was incorporated in August 2018. On January 16, 2019, the Company became the holding company for Rhinebeck Bank (the “Bank”) when it completed the reorganization of the Company and the Bank into a two-tier mutual holding company form of organization. The Company is regulated by the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”) and the New York State Department of Financial Services (the “NYSDFS”). The consolidated financial results contained herein reflect the consolidated accounts of the Company and the Bank.
In its own words, from its 10-K, filed Mar 13, 2026.
Rhinebeck Bancorp against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +6%. Operating margin: 25.3% against the peers' median 31.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| RBKB Rhinebeck Bancorp | Q2 2026 | $13.4M | +2% | 25.3% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
Source: Rhinebeck Bancorp 10-Q on SEC EDGAR · CIK 1751783 · Savings Institutions, Not Federally Chartered
More on RBKB
History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results