Filing Flows › Comparisons › RBKB vs PFSB
Rhinebeck Bancorp vs PFS Bancorp: RBKB and PFSB compared
Rhinebeck Bancorp is the larger company: $13.4M of revenue in its latest quarter (Q2 2026) against $1.8M for PFS Bancorp (Q3 2026). PFS Bancorp is growing faster (+7% against +2% a year earlier). PFS Bancorp is more profitable, with an operating margin of 31.7% against 25.3%.
Where the money goes: RBKB and PFSB
Rhinebeck Bancorp (RBKB) · Q2 2026
Rhinebeck Bancorp, Q2 2026: revenue $13.4M (+2% year over year), operating margin 25.3%, net earnings $2.6M, operating cash flow $5.6M. The chart follows the revenue to costs, profit and cash.
PFS Bancorp (PFSB) · Q3 2026
PFS Bancorp, Q3 2026: revenue $1.8M (+7% year over year), operating margin 31.7%, net earnings $402K, operating cash flow $756K. The chart follows the revenue to costs, profit and cash.
| Rhinebeck Bancorp (RBKB) | PFS Bancorp (PFSB) | |
|---|---|---|
| Latest quarter | Q2 2026 | Q3 2026 |
| Revenue | $13.4M | $1.8M |
| Revenue growth, Y/Y | +2% | +7% |
| Operating margin | 25.3% | 31.7% |
| Net earnings | $2.6M | $402K |
| Net margin | 19.6% | 22.3% |
| Operating cash flow | $5.6M | $756K |
| Free cash flow | $5.4M | $691K |
Where the revenue comes from
PFS Bancorp
- Net interest income: $1.6M (90%)
- Noninterest income: $174K (10%)
Questions
Which is bigger, Rhinebeck Bancorp or PFS Bancorp?
Rhinebeck Bancorp is the larger company: $13.4M of revenue in its latest quarter (Q2 2026) against $1.8M for PFS Bancorp (Q3 2026).
Is Rhinebeck Bancorp or PFS Bancorp growing faster?
PFS Bancorp is growing faster (+7% against +2% a year earlier).
Which is more profitable, Rhinebeck Bancorp or PFS Bancorp?
PFS Bancorp is more profitable, with an operating margin of 31.7% against 25.3%.
More: Rhinebeck Bancorp earnings · how Rhinebeck Bancorp makes money · PFS Bancorp earnings · how PFS Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 13, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.