Filing Flows › Rhinebeck Bancorp (RBKB) › Q4 2025
Rhinebeck Bancorp (RBKB) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 13, 2026
Rhinebeck Bancorp (RBKB) reported revenue of $13.5M for the fourth quarter 2025 (Q4 2025), +69% from a year earlier and -3% from the quarter before. Operating margin was 21.7%, net earnings $2.3M (17.3% of revenue).
Rhinebeck Bancorp, Q4 2025: revenue $13.5M (+69% year over year), operating margin 21.7%, net earnings $2.3M, operating cash flow $2.8M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $13.5M | -3% | +69% |
| Operating profit | $2.9M | -12% | — |
| Net earnings | $2.3M | -13% | — |
| Operating cash flow | $2.8M | +24% | -23% |
| Free cash flow | $2.4M | +19% | -25% |
What changed
Revenue was $13.5M in Q4 2025, up 69% year over year and down 3% from the previous quarter.
Operating profit was $2.9M, a 21.7% margin (up 63.4 points year over year). Total costs fell 7% while revenue rose 69%. Net earnings were $2.3M. The effective tax rate was 20.2%.
Operating cash flow was $2.8M (down 23% year over year), 119% of net earnings. Non-cash charges added back $10K of share-based compensation. Working capital and other items added $426K. Capital expenditures of $353K left free cash flow of $2.4M.
Questions
What was Rhinebeck Bancorp's revenue in the fourth quarter 2025?
Rhinebeck Bancorp (RBKB) reported revenue of $13.5M for the fourth quarter 2025 (Q4 2025), +69% from a year earlier and -3% from the quarter before.
Was Rhinebeck Bancorp profitable in the fourth quarter 2025?
Operating profit was $2.9M (21.7% of revenue) and net earnings $2.3M.
Source: Rhinebeck Bancorp 10-K on SEC EDGAR.