Filing Flows › Rhinebeck Bancorp (RBKB) › Q3 2025
Rhinebeck Bancorp (RBKB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 13, 2025
Rhinebeck Bancorp (RBKB) reported revenue of $14.0M for the third quarter 2025 (Q3 2025), up 18-fold from a year earlier and +7% from the quarter before. Operating margin was 23.9%, net earnings $2.7M (19.3% of revenue).
Rhinebeck Bancorp, Q3 2025: revenue $14.0M (18× year over year), operating margin 23.9%, net earnings $2.7M, operating cash flow $2.2M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $14.0M | +7% | 18× |
| Operating profit | $3.3M | -4% | — |
| Net earnings | $2.7M | -1% | — |
| Operating cash flow | $2.2M | -8% | — |
| Free cash flow | $2.0M | -10% | — |
What changed
Revenue was $14.0M in Q3 2025, up 1708% year over year and up 7% from the previous quarter.
Operating profit was $3.3M, a 23.9% margin (up 1356.3 points year over year). Total costs fell 4% while revenue rose 1708%. Net earnings were $2.7M. The effective tax rate was 19.4%.
Operating cash flow was $2.2M, 83% of net earnings. Non-cash charges added back $10K of share-based compensation. Working capital and other items used $475K. Capital expenditures of $199K left free cash flow of $2.0M.
Questions
What was Rhinebeck Bancorp's revenue in the third quarter 2025?
Rhinebeck Bancorp (RBKB) reported revenue of $14.0M for the third quarter 2025 (Q3 2025), up 18-fold from a year earlier and +7% from the quarter before.
Was Rhinebeck Bancorp profitable in the third quarter 2025?
Operating profit was $3.3M (23.9% of revenue) and net earnings $2.7M.
Source: Rhinebeck Bancorp 10-Q on SEC EDGAR.