Rhinebeck Bancorp Inc (RBKB) - Net Assets
Based on the latest financial reports, Rhinebeck Bancorp Inc (RBKB) has net assets worth $138.64 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.28 Billion) and total liabilities ($1.15 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check RBKB intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $138.64 Million |
| % of Total Assets | 10.79% |
| Annual Growth Rate | 8.47% |
| 5-Year Change | 8.64% |
| 10-Year Change | 160.59% |
| Growth Volatility | 23.51 |
Rhinebeck Bancorp Inc - Net Assets Trend (2013–2025)
This chart illustrates how Rhinebeck Bancorp Inc's net assets have evolved over time, based on quarterly financial data. See how many days can Rhinebeck Bancorp Inc fund operations to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Rhinebeck Bancorp Inc (2013–2025)
The table below shows the annual net assets of Rhinebeck Bancorp Inc from 2013 to 2025. For live valuation and market cap data, see how much is Rhinebeck Bancorp Inc worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $136.85 Million | +12.33% |
| 2024-12-31 | $121.83 Million | +7.17% |
| 2023-12-31 | $113.69 Million | +5.14% |
| 2022-12-31 | $108.13 Million | -14.16% |
| 2021-12-31 | $125.97 Million | +8.13% |
| 2020-12-31 | $116.50 Million | +6.02% |
| 2019-12-31 | $109.88 Million | +85.37% |
| 2018-12-31 | $59.28 Million | +7.82% |
| 2017-12-31 | $54.98 Million | +4.68% |
| 2016-12-31 | $52.52 Million | +3.12% |
| 2015-12-31 | $50.93 Million | +0.85% |
| 2014-12-31 | $50.50 Million | -2.12% |
| 2013-12-31 | $51.59 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Rhinebeck Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 91.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $101.80 Million | 74.38% |
| Common Stock | $112.00K | 0.08% |
| Other Comprehensive Income | $-7.93 Million | -5.79% |
| Other Components | $42.87 Million | 31.33% |
| Total Equity | $136.85 Million | 100.00% |
Rhinebeck Bancorp Inc Competitors by Market Cap
The table below lists competitors of Rhinebeck Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Kolibri Global Energy Inc. Common stock
NASDAQ:KGEI
|
$180.42 Million |
|
Kencana Energi Lestari
JK:KEEN
|
$180.46 Million |
|
Mayfair Gold Corp
V:MFG
|
$180.51 Million |
|
EKOS
IS:EKOS
|
$180.61 Million |
|
Les Hotels Bav
PA:ALLHB
|
$180.31 Million |
|
Gs Global
KO:001250
|
$180.30 Million |
|
NorAm Drilling AS
F:TM9
|
$180.29 Million |
|
SaltX Technology Holding AB
ST:SALT-B
|
$180.24 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Rhinebeck Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 121,833,000 to 136,852,000, a change of 15,019,000 (12.3%).
- Net income of 10,045,000 contributed positively to equity growth.
- Share repurchases of 95,000 reduced equity.
- Other comprehensive income increased equity by 5,005,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $10.04 Million | +7.34% |
| Share Repurchases | $95.00K | -0.07% |
| Other Comprehensive Income | $5.00 Million | +3.66% |
| Other Changes | $64.00K | +0.05% |
| Total Change | $- | 12.33% |
Book Value vs Market Value Analysis
This analysis compares Rhinebeck Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.36x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $12.39 | $16.99 | x |
| 2014-12-31 | $12.13 | $16.99 | x |
| 2015-12-31 | $12.23 | $16.99 | x |
| 2016-12-31 | $12.62 | $16.99 | x |
| 2017-12-31 | $13.21 | $16.99 | x |
| 2018-12-31 | $14.24 | $16.99 | x |
| 2019-12-31 | $10.26 | $16.99 | x |
| 2020-12-31 | $10.85 | $16.99 | x |
| 2021-12-31 | $11.50 | $16.99 | x |
| 2022-12-31 | $9.83 | $16.99 | x |
| 2023-12-31 | $10.47 | $16.99 | x |
| 2024-12-31 | $11.32 | $16.99 | x |
| 2025-12-31 | $12.49 | $16.99 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Rhinebeck Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.34%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.24%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.51x
- Recent ROE (7.34%) is above the historical average (4.19%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 2.70% | 4.78% | 0.05x | 11.88x | $-3.77 Million |
| 2014 | 1.83% | 3.26% | 0.04x | 12.88x | $-4.13 Million |
| 2015 | 1.68% | 2.92% | 0.04x | 13.12x | $-4.24 Million |
| 2016 | 5.12% | 8.36% | 0.04x | 13.76x | $-2.56 Million |
| 2017 | 5.46% | 8.76% | 0.05x | 13.50x | $-2.50 Million |
| 2018 | 7.35% | 11.09% | 0.04x | 14.89x | $-1.57 Million |
| 2019 | 5.43% | 12.79% | 0.05x | 8.86x | $-5.03 Million |
| 2020 | 5.08% | 11.23% | 0.05x | 9.69x | $-5.73 Million |
| 2021 | 9.18% | 22.62% | 0.04x | 10.17x | $-1.04 Million |
| 2022 | 6.47% | 12.83% | 0.04x | 12.36x | $-3.82 Million |
| 2023 | 3.87% | 6.62% | 0.05x | 11.55x | $-6.97 Million |
| 2024 | -7.08% | -15.89% | 0.04x | 10.31x | $-20.80 Million |
| 2025 | 7.34% | 13.24% | 0.06x | 9.51x | $-3.64 Million |
Industry Comparison
This section compares Rhinebeck Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Rhinebeck Bancorp Inc (RBKB) | $138.64 Million | 2.70% | 8.27x | $180.40 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About Rhinebeck Bancorp Inc
Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York, the United States. The company offers deposits, including non-interest-bearing demand, interest-bearing demand, money market, commercial and personal checking, individual retirement, … Read more