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
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	5.59	7.63	7.05	5.23	9.53	5.98	3.96	-7.32	7.77
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 (%)	- -	5.59	7.63	7.05	5.23	9.53	5.98	3.96	-7.32	7.77

Credit (USD)

Credit Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	7.27	7.41	6.72	11.28	10.32	9.83	8.09	8.66	9.7	10.51
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 (%)	21.82	26.73	36.38	39.41	32.4	15.55	36.77	53.96	34.57	17.17
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 (%)	21.82	26.73	41.33	39.41	32.4	15.55	36.77	53.96	43.79	18.13
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 (%)	3.1	14.86	-17.52	35.12	-47.76	2.89	29.87	51.06	38.34	7.74
EBITDA	1	1	1	1	1	2	2	1	1	1
EBITDA-CapEx	- -	1	- -	-1	- -	- -	1	1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.27	7.41	6.72	11.28	10.32	9.83	8.09	8.66	9.7	10.51
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 (%)	21.82	26.73	36.38	39.41	32.4	15.55	36.77	53.96	34.57	17.17
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 (%)	21.82	26.73	41.33	39.41	32.4	15.55	36.77	53.96	43.79	18.13
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	0.21	0.18	0.18	0.17	0.17	0.17	0.2

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	90	68	86	74	64	77	96
- 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	35	-72	-190	-104	38	24	4
Total Capital	67	75	101	181	172	149	171	247	217	167
Total Debt/Capital (%)	21.82	26.73	41.33	39.41	32.4	15.55	36.77	53.96	43.79	18.13
Total Debt / EV	-0.11	-0.19	-0.38	2.05	-0.77	-0.12	-0.6	3.51	3.88	7.41
EV/Sales	- -	- -	- -	0.92	- -	- -	- -	0.87	0.85	0.08
EV/EBITDA	- -	- -	- -	26.11	- -	- -	- -	25.43	17.19	3.01
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.88	- -	- -	- -	5.38	2.89	0.35
EV/Free Cash Flow to Firm	- -	- -	- -	2.37	- -	- -	- -	4.98	2.64	0.32
Diluted Market Cap	- -	- -	- -	87	66	84	72	63	74	94
Diluted Enterprise Value	2	10	-9	146	28	87	118	181	150	106
EV per Share	- -	- -	- -	3.13	- -	- -	- -	3.43	2.2	0.37
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)

Valuation Multiples API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	5.9	3.93	8.87	4.5	8.2	8.04	7.48
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-139	-104	-110	35	-72	-190	-104	38	24	4
Low Price	- -	- -	- -	7.34	4.22	6.08	6.06	4.35	5.23	6.66
EV/Sales	- -	- -	- -	0.92	- -	- -	- -	0.87	0.85	0.08
EV/EBITDA	- -	- -	- -	26.11	- -	- -	- -	25.43	17.19	3.01
Price/Earnings	- -	- -	- -	14.55	11.1	7.11	10.1	14.14	- -	9.25
Price/Earnings Average	- -	- -	- -	14.3	10.1	6.96	10.95	13.01	-7.63	8.61
Price/Earnings High	- -	- -	- -	15.8	14.85	8.74	12.78	17.09	-9.15	10.77
Price/Earnings Low	- -	- -	- -	13.18	7.65	5.67	9.39	10.68	-6.53	7.16
Price/Book Value	- -	- -	- -	0.82	0.58	0.68	0.68	0.56	0.63	0.7
Price/Book Value Average	- -	- -	- -	0.81	0.53	0.67	0.74	0.52	0.56	0.65
Price/Book Value High	- -	- -	- -	0.89	0.78	0.84	0.86	0.68	0.67	0.81
Price/Book Value Low	- -	- -	- -	0.74	0.4	0.55	0.63	0.42	0.48	0.54
Price/Tangible Book Value	- -	- -	- -	0.83	0.59	0.7	0.7	0.57	0.64	0.71
Price/Tangible Book Value Average	- -	- -	- -	0.82	0.54	0.68	0.76	0.53	0.57	0.66
Price/Tangible Book Value High	- -	- -	- -	0.91	0.79	0.86	0.88	0.69	0.68	0.83
Price/Tangible Book Value Low	- -	- -	- -	0.76	0.41	0.56	0.65	0.43	0.49	0.55
Price/Sales	- -	- -	- -	2.29	1.47	1.76	1.48	1.42	2.59	1.74
Price/Sales Average	- -	- -	- -	2.25	1.34	1.72	1.6	1.31	2.29	1.62
Price/Sales High	- -	- -	- -	2.49	1.97	2.16	1.87	1.72	2.74	2.03
Price/Sales Low	- -	- -	- -	2.08	1.01	1.4	1.38	1.07	1.96	1.35
Price/Cash Flow	- -	- -	- -	7.16	4.42	10.74	4.78	8.82	8.79	7.91
Price/Cash Flow Average	- -	- -	- -	7.04	4.02	10.52	5.18	8.11	7.77	7.37
Price/Cash Flow High	- -	- -	- -	7.78	5.92	13.2	6.04	10.65	9.31	9.21
Price/Cash Flow Low	- -	- -	- -	6.49	3.05	8.56	4.44	6.66	6.64	6.13
Price/Free Cash Flow Average	- -	- -	- -	5.8	3.58	8.68	4.88	7.54	7.1	6.97
Price/Free Cash Flow High	- -	- -	- -	6.41	5.26	10.9	5.7	9.91	8.51	8.71
Price/Free Cash Flow Low	- -	- -	- -	5.35	2.71	7.07	4.19	6.19	6.08	5.8
EV/Sales Average	0.06	0.31	- -	3.91	0.54	1.88	2.63	4.06	5	1.89
EV/Sales High	0.06	0.31	- -	4.16	1.2	2.34	2.91	4.48	5.47	2.31
EV/Sales Low	0.06	0.31	- -	3.73	0.21	1.55	2.4	3.82	4.66	1.61
EV/EBITDA Average	1.28	7.94	-7.43	111.03	17.13	53.24	76.06	118.83	100.92	74.13
EV/EBITDA High	1.28	7.94	-7.43	118.03	37.67	66.25	84.14	131.15	110.39	90.57
EV/EBITDA Low	1.28	7.94	-7.43	105.85	6.56	43.74	69.19	111.78	94.01	63.09
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	8.1	6.12	7.63	6.52	5.76	6.92	8.6
High Price	- -	- -	- -	8.8	8.19	9.38	8.25	6.96	7.33	10.01
Enterprise Value Average	2	10	-9	148	24	88	126	177	144	101
Enterprise Value High	2	10	-9	157	54	110	139	196	157	123
Enterprise Value Low	2	10	-9	141	9	72	114	167	134	86

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	11.39	17.64	26.53	21.31	14.36	13.27	10.95
Book Value per Share	12.62	13.21	14.24	9.87	10.46	11.15	9.58	10.27	10.98	12.28
Tangible Book Value per Share	11.77	12.77	13.83	9.72	10.32	10.92	9.35	10.04	10.76	12.07

Rhinebeck Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)