Stocktoria
Rhinebeck Bancorp, Inc. RBKB
Nasdaq · XNAS · stock · Savings Institutions, Not Federally Chartered · website · IPO 2019-01-17
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $3.0M | $3.0M | $2.9M | $2.8M | $2.6M |
| Net income | $10.0M | -$8.6M | $4.4M | $7.0M | $11.6M |
| Operating cash flow | $11.7M | $8.5M | $7.0M | $14.8M | $7.7M |
| Free cash flow | $10.9M | $7.7M | $6.5M | $13.7M | $5.9M |
| Total assets | $1.3B | $1.3B | $1.3B | $1.3B | $1.3B |
| Total liabilities | $1.2B | $1.1B | $1.2B | $1.2B | $1.2B |
| Shareholders' equity | $136.9M | $121.8M | $113.7M | $108.1M | $126.0M |
| Ratios | |||||
| Net margin | 336.6% | -287.1% | 152.6% | 247.3% | 447.3% |
| FCF margin | 365.0% | 255.8% | 224.7% | 483.0% | 227.5% |
| Return on assets | 0.8% | -0.7% | 0.3% | 0.5% | 0.9% |
| Return on equity | 7.3% | -7.1% | 3.9% | 6.5% | 9.2% |
| Revenue growth | -0.6% | 4.2% | 1.8% | 9.5% | 13.5% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 24,300 | $374,706 |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001751783 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.