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Rhinebeck Bancorp cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$5.4M in Q2 2026 · $12.7M over twelve months

Operating cash flow$5.6M
Capital spending−$205K
Free cash flow+$5.4M
Cash / net income2.1×

Analysis

In Q2 2026, Rhinebeck Bancorp generated $5.6M of operating cash flow and spent $205K on capital projects, leaving free cash flow of $5.4M. That is $3.1M more than in Q2 2025 ($2.2M).

Over the twelve months to Jun 30, 2026, operating cash flow was $14.1M; the largest uses were capital spending ($1.4M); besides operations, cash came from other financing ($187M), other investing ($12.9M); the cash balance rose by $215M.

Operating cash flow was $5.6M against net income of $2.6M — 2.1× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$3.4M, accrued liabilities −$759K, stock-based pay +$65K.

Free cash flow

Rhinebeck Bancorp: free cash flow by quarterRhinebeck Bancorp: free cash flow by quarter−$3.6MQ3 2024$3.2MQ4 2024$4.2MQ1 2025$2.2MQ2 2025$2.0MQ3 2025$2.4MQ4 2025$2.9MQ1 2026$5.4MQ2 2026
Operating cash flow less capital spending.
Rhinebeck Bancorp: operating cash flow against capital spendingRhinebeck Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending−$3.6M$49KQ3 2024$3.6M$369KQ4 2024$4.3M$116KQ1 2025$2.4M$182KQ2 2025$2.2M$199KQ3 2025$2.8M$353KQ4 2025$3.5M$637KQ1 2026$5.6M$205KQ2 2026
Latest (Q2 2026): Operating cash flow $5.6M, Capital spending $205K.

Capital allocation, year by year

Rhinebeck Bancorp: where the cash came from (up) and went (down), by fiscal yearRhinebeck Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksFY2021: Operating cash flow $7.7MFY2021: Net borrowing −$48.5MFY2021: Shares issued $36KFY2021: Capital spending −$1.8M$7.7MFY2021FY2022: Operating cash flow $14.8MFY2022: Net borrowing $34.5MFY2022: Capital spending −$1.1M$49.3MFY2022FY2023: Operating cash flow $7.0MFY2023: Net borrowing $28.7MFY2023: Capital spending −$578K$35.8MFY2023FY2024: Operating cash flow $8.5MFY2024: Net borrowing −$33.5MFY2024: Asset sales $2.9MFY2024: Capital spending −$791K$11.4MFY2024FY2025: Operating cash flow $11.7MFY2025: Net borrowing −$44.8MFY2025: Asset sales $45KFY2025: Capital spending −$850KFY2025: Buybacks −$95K$11.8MFY2025
Over these 5 years operating cash flow totalled $49.7M; the largest uses were net borrowing ($127M) and capital spending ($5.1M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$305M
Debtnone
Net cash$305M

Rhinebeck Bancorp funds itself: free cash flow was $12.7M over the last twelve months, with $305M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Rhinebeck Bancorp: sources (+) and uses (−) of cash, Q2 2026Rhinebeck Bancorp: sources (+) and uses (−) of cash, Q2 2026Cash drawn (+) / kept (−)−$192MOther financing$185MOperating cash flow$5.6MOther investing$2.8MBuybacks−$1.6MCapital spending−$205KAsset & business sales$126KShares issued$118K
Rhinebeck Bancorp: sources (+) and uses (−) of cash, TTM to Q2 2026Rhinebeck Bancorp: sources (+) and uses (−) of cash, TTM to Q2 2026Cash drawn (+) / kept (−)−$215MOther financing$187MOperating cash flow$14.1MOther investing$12.9MNet borrowing (+) / repaid (−)$1.9MCapital spending−$1.4M

From profit to cash

Rhinebeck Bancorp: net income to operating cash flow, Q2 2026Rhinebeck Bancorp: net income to operating cash flow, Q2 2026Net income$2.6MStock-based pay$65KDeferred taxes$15KGains on disposals−$15KAccrued liabilities−$759KPrepaid and other assets$3.4MOperating cash flow$5.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026$5.6M−$205K−$1.6M—$118K−$192M$5.4M
Q1 2026$3.5M−$637K−$220K—$107K−$10.9M$2.9M
Q4 2025$2.8M−$353K—$164K—$1.5M$2.4M
Q3 2025$2.2M−$199K———−$13.8M$2.0M
Q2 2025$2.4M−$182K—−$29.1M—−$39.1M$2.2M
Q1 2025$4.3M−$116K—−$15.9M—−$13.0M$4.2M
Q4 2024$3.6M−$369K—$16.4M—$8.9M$3.2M
Q3 2024−$3.6M−$49K—−$20.0M—−$11.9M−$3.6M

Rhinebeck Bancorp: income statement and cash flow

Rhinebeck Bancorp, Q2 2026: revenue $13.4M (+2% year over year), operating margin 25.3%. The chart follows the revenue to costs, profit and cash.

Rhinebeck Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.