Rhinebeck Bancorp Inc (RBKB) — Cash Flow Quality Index
Rhinebeck Bancorp Inc (RBKB) has a Cash Flow Quality Index of 1.19x as of December 2025. Operating cash flow of $2.77 Million exceeds net income of $2.34 Million, indicating high earnings quality where cash backs reported profits. Explore how well can Rhinebeck Bancorp Inc service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Rhinebeck Bancorp Inc Cash Flow Quality Index (2014–2025)
Historical Cash Flow Quality Index for Rhinebeck Bancorp Inc across 11 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see RBKB operating cash flow.
Annual Cash Flow Quality Index for Rhinebeck Bancorp Inc (2014–2025)
Year-by-year earnings quality comparison for Rhinebeck Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.17x | $11.74 Million | $10.04 Million | ▼ -27.1% |
| 2023 | 1.60x | $7.05 Million | $4.39 Million | ▼ -24.2% |
| 2022 | 2.11x | $14.79 Million | $7.00 Million | ▲ +219.4% |
| 2021 | 0.66x | $7.65 Million | $11.56 Million | ▼ -73.6% |
| 2020 | 2.51x | $14.85 Million | $5.92 Million | ▲ +23.5% |
| 2019 | 2.03x | $12.11 Million | $5.96 Million | ▲ +2.8% |
| 2018 | 1.98x | $8.61 Million | $4.36 Million | ▲ +10.1% |
| 2017 | 1.79x | $5.39 Million | $3.00 Million | ▼ -1.5% |
| 2016 | 1.82x | $4.90 Million | $2.69 Million | ▼ -68.1% |
| 2015 | 5.72x | $4.90 Million | $857.21K | ▲ +7.7% |
| 2014 | 5.31x | $4.90 Million | $923.26K | — |