Rhinebeck Bancorp, Inc. RBKB NASDAQ

Rhinebeck Bancorp, Inc. (RBKB) generated $2.77M in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $414K, free cash flow was $2.36M.

Free cash flow margin was 12.2% of revenue. Cash conversion ratio was 1.19x, indicating earnings are backed by cash.

The company returned $95K in share buybacks to shareholders during the quarter.

Criteria supported by this page:

• HEALTH (67/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (35/100, Fail) — limited free cash flow weakens the competitive position
• INCOME (55/100) — Cash conversion ratio was 1.19x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 61/100 with 1/7 criteria passed.