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Rhinebeck Bancorp Financial Ratios 2025-2011 | RBKB
Brief overview of Rhinebeck Bancorp's financial ratios
This overview follows the five latest available observations from 2020 through 2025.
The current valuation set is P/E 17.22x (median 16.37x), P/B 1.26x (median 0.91x), P/CF 14.73x (median 14.73x). On average, multiples differ from their five-year medians by only +5.2%. Valuation is near its familiar historical range.
The 1/P/E calculation produces a 5.8% earnings yield. It does not capture future growth or capital structure.
The latest available business-quality ratios are ROE 7.3%, ROA 0.8%, ROCE 3.9%. Profitability remains low. Market valuation has limited fundamental support until resource returns improve.
On PEG (0.25x), valuation is restrained relative to growth, but one ratio cannot replace cash-flow and risk analysis.
For financial institutions, P/B, ROE and ROA are particularly relevant, while EV/EBITDA and ordinary liquidity ratios have limited comparability.
Overall picture
Rhinebeck Bancorp's market valuation is near its own historical norm, while quality ratios provide no extreme signal.
Annual Financial Ratios Rhinebeck Bancorp
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
17.2 | -20.0 | 20.5 | 13.4 | 9.9 | 16.4 | 19.9 | 11.2 | - | - | - | - | - | - | - |
P/S |
58.0 | 57.4 | 31.3 | 33.1 | 44.4 | 2.2 | 3.1 | 1.4 | - | - | - | - | - | - | - |
EPS |
0.9 | -0.8 | 0.4 | 0.7 | 1.1 | 0.6 | 0.6 | - | - | - | - | - | - | - | - |
EV (Enterprise Value) |
1.24 B | 1.27 B | 1.27 B | 1.29 B | 1.2 B | 1.02 B | 971 M | 821 M | 687 M | 670 M | - | - | - | - | - |
EBITDA per Share |
0.12 | 0.12 | 0.13 | 0.14 | 0.14 | 4.09 | - | - | - | - | - | - | - | - | - |
EV/EBITDA |
952.2 | 944.7 | 902.8 | 829.7 | 763.3 | 1.5 | - | - | - | - | - | - | - | - | - |
PEG |
-0.77 | - | - | - | - | -12.37 | -0.43 | 0.25 | - | - | - | - | - | - | - |
P/B |
1.3 | 1.4 | 0.8 | 0.9 | 0.9 | 0.8 | 1.1 | 0.8 | - | - | - | - | - | - | - |
P/CF |
14.7 | 20.3 | 12.8 | 6.3 | 15.0 | 7.5 | 18.5 | 6.5 | - | - | - | - | - | - | - |
ROE % |
7.34 | -7.08 | 3.87 | 6.47 | 9.18 | 5.08 | 5.43 | 7.35 | - | - | - | - | - | - | - |
ROA % |
0.77 | -0.69 | 0.33 | 0.52 | 0.90 | 0.52 | 0.61 | 0.49 | - | - | - | - | - | - | - |
ROCE % |
- | - | - | - | - | 3.91 | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 18.1 | 0.0 | 0.1 | - | - | - | - | - | - | - |
DSO |
569.8 | 550.2 | 562.1 | 491.6 | 507.5 | 31.2 | 28.0 | 27.1 | - | - | - | - | - | - | - |
Operating Cycle |
569.8 | 550.2 | 562.1 | 491.6 | 507.4 | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
569.8 | 550.2 | 562.1 | 491.6 | 507.4 | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Rhinebeck Bancorp
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.25 | 0.2 | - | 0.25 | 0.25 | 0.21 | - | -0.75 | 0.09 | 0.1 | - | 0.12 | 0.13 | 0.07 | - | 0.19 | 0.19 | 0.19 | - | 0.25 | 0.24 | 0.31 | - | 0.1 | 0.13 | 0.1 | - | 0.2 | 0.11 | 0.09 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA per Share |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 670 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
7.62 | 7.55 | 5.96 | -0.62 | -1.80 | -2.94 | -4.75 | -3.59 | 4.31 | 4.19 | 3.21 | 5.18 | 5.82 | 6.23 | 5.51 | 7.68 | 7.81 | 8.81 | 7.06 | 8.05 | 7.04 | 5.86 | 3.07 | 4.97 | 5.09 | 4.77 | 3.84 | 7.16 | 6.23 | 6.16 | 5.33 | 10.10 | 0.98 | 1.04 | - | 4.77 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
0.77 | 0.77 | 0.60 | -0.04 | -0.16 | -0.29 | -0.47 | -0.38 | 0.36 | 0.35 | 0.26 | 0.42 | 0.49 | 0.54 | 0.48 | 0.69 | 0.74 | 0.86 | 0.70 | 0.80 | 0.71 | 0.59 | 0.32 | 0.53 | 0.55 | 0.53 | 0.43 | 0.66 | 0.51 | 0.45 | 0.36 | 0.71 | 0.07 | 0.07 | - | 0.35 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
DSO |
601.0 | 546.0 | - | 577.8 | 572.4 | 535.2 | - | 523.9 | 564.9 | 566.6 | - | 400.8 | 382.5 | 467.5 | - | 380.2 | 423.6 | 427.9 | - | 522.9 | 569.0 | 573.8 | - | 624.5 | 704.0 | 470.4 | - | 363.4 | 371.0 | 354.7 | - | 293.3 | 353.6 | 358.9 | - | 159.9 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Cycle |
- | - | - | 577.8 | 572.4 | 535.2 | - | 523.9 | 564.9 | 566.6 | - | 400.8 | 382.5 | 467.5 | - | 380.2 | 423.6 | 427.9 | - | 522.9 | 569.0 | 573.8 | - | 624.5 | 704.0 | 470.4 | - | 363.4 | 371.0 | 354.7 | - | 293.3 | 353.6 | 358.9 | - | 159.9 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | - | 577.8 | 572.4 | 535.2 | - | 523.9 | 564.9 | 566.6 | - | 400.8 | 382.5 | 467.5 | - | 380.2 | 423.6 | 427.9 | - | 522.9 | 569.0 | 573.8 | - | 624.5 | 704.0 | 470.4 | - | 363.4 | 371.0 | 354.7 | - | 293.3 | 353.6 | 358.9 | - | 159.9 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Rhinebeck Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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