Filing Flows › Rhinebeck Bancorp (RBKB) › Q2 2025
Rhinebeck Bancorp (RBKB) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 12, 2025
Rhinebeck Bancorp (RBKB) reported revenue of $13.1M for the second quarter 2025 (Q2 2025), +23% from a year earlier and +2% from the quarter before. Operating margin was 26.6%, net earnings $2.7M (20.8% of revenue).
Rhinebeck Bancorp, Q2 2025: revenue $13.1M (+23% year over year), operating margin 26.6%, net earnings $2.7M, operating cash flow $2.4M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $13.1M | +2% | +23% |
| Operating profit | $3.5M | +19% | +177% |
| Net earnings | $2.7M | +19% | +180% |
| Operating cash flow | $2.4M | -44% | -80% |
| Free cash flow | $2.2M | -46% | -81% |
What changed
Revenue was $13.1M in Q2 2025, up 23% year over year and up 2% from the previous quarter.
Operating profit was $3.5M, a 26.6% margin (up 14.8 points year over year). Of the extra revenue versus a year earlier, 91% reached operating profit, above the 12% margin then. Total costs grew 2% against revenue growth of 23%. Net earnings were $2.7M, up 180% year over year. The effective tax rate was 21.8%.
Operating cash flow was $2.4M (down 80% year over year), 89% of net earnings. Non-cash charges added back $10K of share-based compensation. Working capital and other items used $308K. Capital expenditures of $182K left free cash flow of $2.2M.
Questions
What was Rhinebeck Bancorp's revenue in the second quarter 2025?
Rhinebeck Bancorp (RBKB) reported revenue of $13.1M for the second quarter 2025 (Q2 2025), +23% from a year earlier and +2% from the quarter before.
Was Rhinebeck Bancorp profitable in the second quarter 2025?
Operating profit was $3.5M (26.6% of revenue) and net earnings $2.7M.
Source: Rhinebeck Bancorp 10-Q on SEC EDGAR.