Financial Snapshot

Revenue
$2.252M
TTM
Gross Margin
Net Earnings
-$5.036M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$122.7M
Q3 2024
Cash
Q3 2024
P/E
-21.25
Nov 13, 2024 EST
Free Cash Flow
$8.014M
TTM

Revenues

Revenues

Loading...

Revenue YoY Change

Loading...

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Revenue $2.880M $2.829M $43.70M $44.40M
YoY Change 1.8% -93.53% -1.57%

Expenses

Cost Of Revenues

Loading...

Gross Profit

Loading...

Gross Profit Margin

Loading...

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Revenue $2.880M $2.829M $43.70M $44.40M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Loading...

Research & Development

Loading...

Depreciation, Depletion & Amortization

Loading...

SGA Expense to Gross Profit Ratio

Loading...

R&D To Gross Profit Ratio

Loading...

DDA To Gross Profit Ratio

Loading...

Operating Expenses Total

Loading...

Operating Profits/Loss

Loading...

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.492M $1.555M $1.560M $1.379M $1.330M $1.190M $1.210M $1.310M
YoY Change -4.05% -0.32% 13.13% 3.68% 11.76% -1.65% -7.63%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Loading...

Interest Expenses To Operating Income %

Loading...

Other Expense/Income

Loading...

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Interest Expense $22.69M $6.756M $4.287M $8.019M
YoY Change 235.91% 57.59% -46.54%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Loading...

Income Tax

Loading...

Net Profits/Loss

Loading...

Pretax Income YoY Change

Loading...

Income Tax Rate

Loading...

Net Profits/Loss YoY Change

Loading...

Basic EPS

Loading...

Net Income To Revenue Ratio

Loading...

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Pretax Income $5.614M $8.896M $14.99M $7.476M $7.490M $5.370M $6.600M $4.010M
YoY Change -36.89% -40.66% 100.52% -0.19% 39.48% -18.64% 64.59%
Income Tax $1.219M $1.899M $3.433M $1.559M $1.530M $1.010M $1.730M $1.320M
% Of Pretax Income 21.71% 21.35% 22.9% 20.85% 20.43% 18.81% 26.21% 32.92%
Net Earnings $4.395M $6.997M $11.56M $5.917M $5.960M $4.360M $3.000M $2.690M
YoY Change -37.19% -39.46% 95.34% -0.72% 36.7% 45.33% 11.52%
Net Earnings / Revenue 152.6% 247.33% 26.45% 13.33%
Basic Earnings Per Share $0.41 $0.65 $1.07 $0.55
Diluted Earnings Per Share $0.40 $635.8K $1.06 $0.55 $556.5K $391.7K $269.5K $241.7K

Assets & Liabilities

Cash & Short-Term Investments

Loading...

Cash & Equivalents

Loading...

Cash To Operating Expenses Ratio

Loading...

Inventory

Loading...

Receivables

Loading...

Total Short-Term Assets

Loading...

Property, Plant And Equipment

Loading...

Long-Term Investments

Loading...

Total Long-Term Assets

Loading...

Total Assets

Loading...

Net Income To Total Assets Percentage

Loading...

Accounts Payable

Loading...

Short-Term Debt

Loading...

Long Term Debt Due

Loading...

Total Short-Term Liabilities

Loading...

Long-Term Debt

Loading...

Other Long-Term Liabilities

Loading...

Total Long-Term Liabilities

Loading...

Total Liabilities

Loading...

Short-Term To Long-Term Debt Ratio

Loading...

Short-Term Assets To Debt Ratio

Loading...

Long-Term Debt To Net Income Ratio

Loading...

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $17.57M $18.72M $27.00M $25.10M $18.30M $17.00M $17.00M $18.20M
YoY Change -6.17% -30.66% 7.57% 37.16% 7.65% 0.0% -6.59%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $9.936M $10.13M $3.400M $3.700M $2.300M $2.900M $3.000M $4.700M
YoY Change -1.92% 197.97% -8.11% 60.87% -20.69% -3.33% -36.17%
Total Long-Term Assets
YoY Change
Total Assets $1.313B $1.336B $1.281B $1.129B $973.9M $882.4M $742.1M $722.6M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $26.52M $25.30M $20.90M $18.60M $11.20M $10.10M $9.700M $8.700M
YoY Change 4.82% 21.06% 12.37% 66.07% 10.89% 4.12% 11.49%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $5.000M
YoY Change -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $26.52M $25.30M $20.90M $18.60M $11.20M $10.10M $9.700M $8.700M
YoY Change 4.82% 21.06% 12.37% 66.07% 10.89% 4.12% 11.49%
Long-Term Debt $5.155M $5.155M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M
YoY Change 0.0% -0.87% 0.0% 0.0% 0.0% 0.0% 0.0%
Other Long-Term Liabilities $9.274M $9.732M $9.100M $8.500M $8.100M $86.90M $7.300M $7.100M
YoY Change -4.71% 6.95% 7.06% 4.94% -90.68% 1090.41% 2.82%
Total Long-Term Liabilities $14.43M $14.89M $14.30M $13.70M $13.30M $92.10M $12.50M $12.30M
YoY Change -3.08% 4.1% 4.38% 3.01% -85.56% 636.8% 1.63%
Total Liabilities $1.200B $1.228B $1.155B $1.012B $864.1M $823.1M $687.1M $670.0M
YoY Change -2.31% 6.29% 14.12% 17.15% 4.98% 19.79% 2.55%

Ownership

Basic Shares Outstanding

Loading...

Diluted Shares Outstanding

Loading...

Preferred Stock

Loading...

Treasury Stock Shares

Loading...

Stock Issuance & Repurchase

Loading...

Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Basic Shares Outstanding 10.79M 10.84M 10.77M 10.73M 10.71M
Diluted Shares Outstanding 10.86M 11.00M 10.95M 10.74M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Loading...

Book Value

Loading...

Free Cash Flow

Loading...

Free Cash Flow YoY

Loading...

Free Cash Flow Margin

Loading...

Dividends

Dividends

Loading...

Stock Price

Loading...
Market Cap: $107 Million

About Rhinebeck Bancorp Inc

Rhinebeck Bancorp, Inc. operates as a bank holding company, which engages in the provision of banking services. The company is headquartered in Poughkeepsie, New York and currently employs 164 full-time employees. The company went IPO on 2019-01-17. The Bank provides a full range of banking and financial services to consumer and commercial customers through approximately 14 branches and over two representative offices located in Dutchess, Ulster, Orange, and Albany counties. The Bank’s primary business activity is accepting deposits from the public and using those funds, primarily to originate indirect automobile loans (automobile loans referred to as automobile dealerships), commercial real estate loans (which include multi-family real estate loans and commercial construction loans), commercial business loans and one-to four-family residential real estate loans, and to purchase investment securities. The company offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and personal checking accounts, and others. The company also offers alternative delivery channels, including online banking and bill pay.

Industry: Savings Institutions, Not Federally Chartered Peers: CF Bankshares Inc ECB Bancorp Inc HMN FINANCIAL INC Provident Financial Holdings Inc Rocket Companies Inc SECURITY NATIONAL FINANCIAL CORP