Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.41M | $2.81M | $2.82M | $2.28M | $2.58M | $2.83M | $2.88M | $3.00M | $2.98M |
| Revenue growth | — | 16.6% | 0.6% | -19.4% | 13.5% | 9.5% | 1.8% | 4.2% | -0.6% |
| Net income | $3.00M | $4.36M | $5.96M | $5.92M | $11.6M | $7.00M | $4.39M | -$8.62M | $10.0M |
| Net margin | 124.8% | 155.3% | 211.2% | 260.0% | 447.3% | 247.3% | 152.6% | -287.1% | 336.6% |
| EPS (diluted) | — | — | $0.56 | $0.55 | $1.06 | $0.64 | $0.40 | -$0.80 | $0.92 |
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $5.39M | $8.61M | $12.1M | $14.8M | $7.65M | $14.8M | $7.05M | $8.47M | $11.7M |
| Capital expenditures | $697K | $1.15M | $2.59M | $1.87M | $1.77M | $1.13M | $578K | $791K | $850K |
| Free cash flow | $4.69M | $7.46M | $9.52M | $13.0M | $5.88M | $13.7M | $6.47M | $7.68M | $10.9M |
| Share buybacks | — | — | — | — | — | — | — | — | $95.0K |
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $10.5M | $50.6M | $12.0M | $93.5M | $72.1M | $31.4M | $22.1M | $37.5M | $102M |
| Total assets | $742M | $882M | $974M | $1.13B | $1.28B | $1.34B | $1.31B | $1.26B | $1.30B |
| Total liabilities | $687M | $823M | $864M | $1.01B | $1.16B | $1.23B | $1.20B | $1.13B | $1.16B |
| Shareholders' equity | $55.0M | $59.3M | $110M | $116M | $126M | $108M | $114M | $122M | $137M |
| Retained earnings | $61.8M | $66.2M | $72.2M | $78.1M | $89.6M | $96.6M | $100M | $91.8M | $102M |
| Shares (wtd avg diluted) | 100M | — | 10.7M | 10.7M | 11.0M | 11.0M | 10.9M | 10.8M | 11.0M |
Every figure is extracted from Rhinebeck Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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