Rhinebeck Bancorp, Inc. Financial Ratios — RBKB Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	5.02	6.81	8.61	7.87	13.77	7.5	4.46	-8.96	10.37
Return on Assets (%)	- -	0.41	0.54	0.64	0.56	0.96	0.53	0.33	-0.67	0.79
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.51	3.9	3.5	3.52	3.18	3.54	3.46	3.41	4.95	2.55
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	13.77	21.32	15.81	19.78	16.74	32.02	18.62	12.85	-38.07	23.77
Profit Margin (%)	9.23	9.7	12.83	15.74	13.25	24.69	14.65	10.06	-30	18.83
Net Income to Common Margin (%)	9.23	9.7	12.83	15.74	13.25	24.69	14.65	10.06	-30	18.83
Effective Tax Rate (%)	32.94	54.52	18.88	20.41	20.85	22.9	21.35	21.71	- -	20.81
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	5.02	6.81	8.61	7.87	13.77	7.5	4.46	-8.96	10.37

Credit (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	15	20	42	71	56	23	63	133	95	30
ST Debt	- -	- -	5	- -	- -	- -	- -	- -	20	2
LT Debt	15	20	37	71	56	23	63	133	75	29
Total Debt/EBITDA	11.14	16.59	35.12	53.57	39.29	14.01	38.02	89.29	66.71	22.32
Net Debt/EBITDA	1.28	7.94	-7.43	44.59	-26.5	2.26	27.85	79.5	53.23	8.45
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.98	8.33	7.5	7.42	6.93	7	7.24	7.65	7.32	7.83
Long-Term Debt/Equity (%)	27.91	36.48	62	65.03	47.92	18.41	58.15	117.18	61.5	20.97
Long-Term Debt/Capital (%)	20.26	24.49	34.05	49.72	41.66	20.54	39.39	57	40.11	21.7
Long-Term Debt/Total Assets (%)	2.03	2.7	4.17	7.34	4.95	1.81	4.71	10.14	5.97	2.2
Total Debt/Equity (%)	27.91	36.48	70.44	65.03	47.92	18.41	58.15	117.18	77.92	22.15
Total Debt/Capital (%)	20.26	24.49	38.68	49.72	41.66	20.54	39.39	57	50.82	22.92
Total Debt/Total Assets (%)	2.03	2.7	4.73	7.34	4.95	1.81	4.71	10.14	7.56	2.33
Net Debt to Equity	3.2	17.45	-14.91	54.13	-32.32	2.98	42.6	104.34	62.18	8.39
Net Debt/Capital (%)	2.83	13.43	-15.41	45.15	-92.92	4.01	32.26	54.13	45.19	10.12
EBITDA	1	1	1	1	1	2	2	1	1	1
EBITDA-CapEx	- -	1	- -	-1	- -	- -	1	1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.98	8.33	7.5	7.42	6.93	7	7.24	7.65	7.32	7.83
Long-Term Debt/Equity (%)	27.91	36.48	62	65.03	47.92	18.41	58.15	117.18	61.5	20.97
Long-Term Debt/Capital (%)	20.26	24.49	34.05	49.72	41.66	20.54	39.39	57	40.11	21.7
Long-Term Debt/Total Assets (%)	2.03	2.7	4.17	7.34	4.95	1.81	4.71	10.14	5.97	2.2
Total Debt/Equity (%)	27.91	36.48	70.44	65.03	47.92	18.41	58.15	117.18	77.92	22.15
Total Debt/Capital (%)	20.26	24.49	38.68	49.72	41.66	20.54	39.39	57	50.82	22.92
Total Debt/Total Assets (%)	2.03	2.7	4.73	7.34	4.95	1.81	4.71	10.14	7.56	2.33
CFO/Total Liabilities	0.73	0.78	1.05	1.4	1.47	0.66	1.2	0.59	0.75	1.01
CFO/CapEx	4.62	7.73	7.51	4.68	7.95	4.31	13.07	12.19	10.71	13.82
Altman's Z-Score	0.15	0.16	0.14	0.23	0.19	0.19	0.19	0.18	0.18	0.22

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	15	14.54	13.96	13.29	13.03	12.54	9.85	6.35	11.45
Days Sales Outstanding	- -	24.33	25.11	26.14	27.47	28.01	29.12	37.05	57.5	31.87
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	121	92	115	99	87	104	130
- Cash & Cash Equivalents	13	10	51	12	93	19	17	15	19	19
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	15	20	42	71	56	23	63	133	95	30
Enterprise Value	-139	-104	-110	66	-49	-162	-79	61	52	38
Total Capital	72	82	108	144	134	113	160	234	187	132
Total Debt/Capital (%)	20.26	24.49	38.68	49.72	41.66	20.54	39.39	57	50.82	22.92
Total Debt / EV	-0.11	-0.19	-0.38	1.09	-1.14	-0.14	-0.8	2.18	1.84	0.79
EV/Sales	- -	- -	- -	1.74	- -	- -	- -	1.4	1.8	0.72
EV/EBITDA	- -	- -	- -	49.29	- -	- -	- -	40.9	36.34	28.1
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	5.43	- -	- -	- -	8.66	6.11	3.25
EV/Free Cash Flow to Firm	- -	- -	- -	4.47	- -	- -	- -	8	5.58	3.03
Diluted Market Cap	- -	- -	- -	121	92	117	100	87	104	132
Diluted Enterprise Value	2	10	-9	181	54	121	146	206	180	143
EV per Share	- -	- -	- -	6.14	- -	- -	- -	5.66	4.81	3.53
TTM Sales	29	31	34	38	45	47	48	44	29	53
TTM EBITDA	1	1	1	1	1	2	2	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	5	9	12	15	8	15	7	8	12
TTM Free Cash Flow to Firm	6	6	10	15	17	9	16	8	9	13

Multiples (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	8.24	5.49	12.39	6.29	11.46	11.23	10.46
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-139	-104	-110	66	-49	-162	-79	61	52	38
Low Price	- -	- -	- -	10.25	5.9	8.5	8.46	6.07	7.3	9.31
EV/Sales	- -	- -	- -	1.74	- -	- -	- -	1.4	1.8	0.72
EV/EBITDA	- -	- -	- -	49.29	- -	- -	- -	40.9	36.34	28.1
Price/Earnings	- -	- -	- -	20.31	15.5	9.93	14.11	19.76	- -	12.93
Price/Earnings Average	- -	- -	- -	19.97	14.11	9.73	15.29	18.18	-10.66	12.03
Price/Earnings High	- -	- -	- -	22.09	20.74	12.2	17.85	23.88	-12.78	15.05
Price/Earnings Low	- -	- -	- -	18.41	10.7	7.92	13.11	14.9	-9.11	10.02
Price/Book Value	- -	- -	- -	1.68	1.17	1.28	1.02	0.86	1.13	1.27
Price/Book Value Average	- -	- -	- -	1.65	1.07	1.25	1.11	0.79	1	1.19
Price/Book Value High	- -	- -	- -	1.82	1.57	1.57	1.29	1.04	1.2	1.48
Price/Book Value Low	- -	- -	- -	1.52	0.81	1.02	0.95	0.65	0.85	0.99
Price/Tangible Book Value	- -	- -	- -	1.12	0.8	0.93	0.94	0.78	0.87	0.97
Price/Tangible Book Value Average	- -	- -	- -	1.1	0.73	0.91	1.01	0.72	0.77	0.9
Price/Tangible Book Value High	- -	- -	- -	1.22	1.07	1.14	1.18	0.94	0.92	1.12
Price/Tangible Book Value Low	- -	- -	- -	1.01	0.55	0.74	0.87	0.59	0.66	0.75
Price/Sales	- -	- -	- -	3.2	2.05	2.45	2.07	1.99	3.62	2.43
Price/Sales Average	- -	- -	- -	3.14	1.87	2.4	2.24	1.83	3.2	2.27
Price/Sales High	- -	- -	- -	3.48	2.75	3.01	2.61	2.4	3.83	2.83
Price/Sales Low	- -	- -	- -	2.9	1.42	1.96	1.92	1.5	2.73	1.89
Price/Cash Flow	- -	- -	- -	10	6.18	15	6.67	12.32	12.28	11.06
Price/Cash Flow Average	- -	- -	- -	9.83	5.62	14.69	7.23	11.34	10.85	10.29
Price/Cash Flow High	- -	- -	- -	10.87	8.27	18.43	8.44	14.89	13.01	12.87
Price/Cash Flow Low	- -	- -	- -	9.06	4.26	11.96	6.2	9.29	9.27	8.57
Price/Free Cash Flow Average	- -	- -	- -	8.1	5	12.13	6.82	10.54	9.93	9.73
Price/Free Cash Flow High	- -	- -	- -	8.96	7.35	15.22	7.96	13.85	11.89	12.17
Price/Free Cash Flow Low	- -	- -	- -	7.47	3.79	9.88	5.85	8.64	8.48	8.1
EV/Sales Average	0.06	0.31	- -	4.71	1.03	2.48	3.2	4.54	5.84	2.48
EV/Sales High	0.06	0.31	- -	5.05	1.91	3.09	3.58	5.12	6.47	3.05
EV/Sales Low	0.06	0.31	- -	4.47	0.57	2.04	2.88	4.21	5.37	2.1
EV/EBITDA Average	1.28	7.94	-7.43	133.85	32.24	70.15	92.55	133.05	117.83	97.45
EV/EBITDA High	1.28	7.94	-7.43	143.32	59.88	87.44	103.34	149.84	130.65	119.78
EV/EBITDA Low	1.28	7.94	-7.43	126.86	18.05	57.54	83.29	123.39	108.42	82.54
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	11.31	8.55	10.66	9.11	8.05	9.67	12.02
High Price	- -	- -	- -	12.3	11.44	13.1	11.52	9.73	10.24	13.99
Enterprise Value Average	2	10	-9	179	46	116	153	199	168	132
Enterprise Value High	2	10	-9	191	85	145	171	224	186	163
Enterprise Value Low	2	10	-9	169	26	95	138	184	154	112

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	4	4	4	11	11	11	11	11	11	11
Diluted Weighted Avg Shares	4	4	4	11	11	11	11	11	11	11
Basic Weighted Avg Shares	4	4	4	11	11	11	11	11	11	11
Revenue per Share	7	7.44	8.16	3.54	4.16	4.35	4.41	4.05	2.67	4.94
EBITDA per Share	0.32	0.29	0.29	0.12	0.13	0.15	0.15	0.14	0.13	0.13
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.65	0.72	1.05	0.56	0.55	1.07	0.65	0.41	-0.8	0.93
Basic EPS from Cont Ops	0.65	0.72	1.05	0.56	0.55	1.07	0.65	0.41	-0.8	0.93
Diluted EPS, GAAP	0.65	0.72	1.05	0.56	0.55	1.06	0.64	0.4	-0.8	0.92
Diluted EPS from Cont Ops	0.65	0.72	1.05	0.56	0.55	1.06	0.64	0.4	-0.8	0.92
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1.18	1.29	2.07	1.13	1.38	0.71	1.36	0.65	0.79	1.09
Free Cash Flow per Basic Share	0.92	1.13	1.79	0.89	1.21	0.55	1.26	0.6	0.71	1.01
Cash & Equivalents per Share	36.81	29.73	36.49	11.84	18.31	27.83	22.19	14.74	13.69	11.29
Book Value per Share	13.86	14.85	15.9	6.75	7.29	8.33	8.92	9.31	8.54	9.43
Tangible Book Value per Share	11.77	12.77	13.83	10.11	10.71	11.45	9.74	10.31	11.1	12.45

Rhinebeck Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)