Rhinebeck Bancorp, Inc.

RBKBNASDAQFinancial Services● Active

$16.39

+$0.01(+0.06%)

Market Cap$181938211

P/E Ratio—

52W High$17.99

52W Low$9.41

Avg Volume12K

Open$16.48

Beta0.16

Free Cash Flow Financials Revenue

Rhinebeck Bancorp, Inc. (RBKB) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

RBKB · free cash flow · updated Jun 9, 2026

Core FCF metrics

RBKB · FCF · TTM · margin & CAGR

Free cash flow was $10.9M for FY2025 (fiscal year ending 2025-12-31), up 41.9% year-over-year The FCF margin was 14.4%. Five-year CAGR stands at -3.4%.

FY2025 Free Cash Flow$10.9M▲ +41.9% YoY

Trailing 12M (TTM)$10.0Mtrailing 4 quarters sum

FCF Margin14.4%$10.9M ÷ revenue

3-Year CAGR-7.3%FY2022 → FY2025

5-Year CAGR-3.4%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

RBKB · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$11.7M(1M)$10.9M▲ +41.9%14.4%

FY2024$8.5M(1M)$7.7M▲ +18.7%14.2%

FY2023$7.0M(1M)$6.5M▼ 52.6%9.8%

FY2022$14.8M(1M)$13.7M▲ +132.4%25.1%

FY2021$7.7M(2M)$5.9M▼ 54.7%11.5%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

RBKB · P/FCF · FCF yield · FCF per share

Rhinebeck Bancorp, Inc. (RBKB) trades at a FCF yield of 5.50% and a price-to-free-cash-flow ratio of 17.8x. FCF per share stands at $0.92, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

5.50%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$0.92

TTM FCF ÷ Shares Outstanding

Price / FCF

x17.8

Share Price ÷ FCF per Share

EV / FCF (TTM)

x18.1

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

RBKB · cash flow statement · operating / investing / financing

For FY2025, Rhinebeck Bancorp, Inc. generated $11.7M in operating cash flow and spent 1M in capital expenditures, yielding $10.9M in free cash flow.

Operating Activities

+$11.7M

Cash from core business operations

2025-12-31

Investing Activities

+$21.2M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$31.6M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($11.7M) − |CapEx| (1M) = FCF ($10.9M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

RBKB vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Rhinebeck Bancorp, Inc.YOU

RBKB

$10.9M+41.9%14.4%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Rhinebeck Bancorp, Inc. (RBKB) reported free cash flow of $10.9M for FY2025 (fiscal year ending 2025-12-31), up 41.9% year-over-year. The FCF margin was 14.4%.

Based on available data, Rhinebeck Bancorp, Inc. has maintained positive free cash flow for at least 10 fiscal year(s). FCF peaked at $13.7M in FY2022. The 5-year CAGR stands at -3.4%.

Rhinebeck Bancorp, Inc.'s FCF yield is 5.50% and price-to-FCF ratio is 17.8x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

RBKB free cash flow · 8 questions

Rhinebeck Bancorp, Inc. free cash flow was $10.9M for FY2025, up 41.9% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $10.0M.

RBKB free cash flowRBKB FCFRBKB FCF 2025RBKB free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Rhinebeck Bancorp, Inc. · Rhinebeck Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026