Filing Flows › Rhinebeck Bancorp (RBKB) › Q1 2026 › vs Q4 2025
Rhinebeck Bancorp (RBKB) Q1 2026 vs Q4 2025 (quarter over quarter)
Rhinebeck Bancorp's revenue fell $848K (-6%) from $13.5M in Q4 2025 to $12.7M in Q1 2026. Operating margin 22.5% against 21.7% (+0.9 pts).
Rhinebeck Bancorp, Q1 2026: revenue $12.7M (-1% year over year), operating margin 22.5%, net earnings $2.2M, operating cash flow $3.5M. The chart draws each line against Q4 2025, the increases inside each band.
Margins
| Q1 2026 | Q4 2025 | Change | |
|---|---|---|---|
| Operating margin | 22.5% | 21.7% | +0.9 pts |
| Net margin | 17.5% | 17.3% | +0.2 pts |
| Free cash flow margin | 22.8% | 17.9% | +4.9 pts |
Every line
| Line | Q1 2026 | Q4 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $12.7M | $13.5M | −$848K | -6% |
| Operating profit | $2.9M | $2.9M | −$76K | -3% |
| Costs & expenses | $9.8M | $10.6M | −$772K | -7% |
| Pre-tax earnings | $2.9M | $2.9M | −$76K | -3% |
| Credit loss provision | $71K | $503K | −$432K | -86% |
| Noninterest expense | $9.7M | $10.1M | −$340K | -3% |
| Net earnings | $2.2M | $2.3M | −$120K | -5% |
| Income tax | $635K | $591K | $44K | +7% |
| Share-based compensation | $10K | $10K | $0 | 0% |
| Working capital & other | $1.3M | $426K | $867K | +204% |
| Operating cash flow | $3.5M | $2.8M | $747K | +27% |
| Free cash flow (OCF − capex) | $2.9M | $2.4M | $463K | +19% |
| Capital expenditures | $637K | $353K | $284K | +80% |
Questions
How much did Rhinebeck Bancorp's revenue grow quarter over quarter in Q1 2026?
Rhinebeck Bancorp's revenue fell $848K (-6%) from $13.5M in Q4 2025 to $12.7M in Q1 2026. Operating margin 22.5% against 21.7% (+0.9 pts).