Rhinebeck Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	5.06	-8.62	4.4	7	11.56	5.92
Depreciation & Amortization	1.23	1.42	1.49	1.65	1.66	1.42
Provision for Credit Losses	2.54	2.8	1.7	1.41	-3.67	7.14
Stock-Based Compensation	0.27	0.21	0.56	0.83	0.85	0.39
Net Change in Loans Held-for-Sale	-0.13	0.91	-0.66	3.7	-1.23	-0.03
Other Adjustments	3.76	12.36	-0.56	-0.19	0.84	-1.83
Changes in Accrued Interest and Accounts Receivable	-0.48	0.18	-0.36	-0.89	0.45	-0.91
Changes in Other Operating Activities	0.31	-0.78	0.55	1.27	-2.8	2.76
Operating Cash Flow	12.55	8.47	7.05	14.8	7.65	14.85
Operating Cash Flow Growth	148.47%	20.18%	-52.36%	93.35%	-48.45%	22.57%
Net Change in Loans Held-for-Investment	-15.17	33.36	-16.16	-144.52	23.75	-89.3
Net Change in Securities and Investments	23.75	38.25	30.81	22.06	-180.94	13.46
Capital Expenditures	-0.87	-0.81	-0.6	-1.16	-11.8	-1.91
Sale of Property, Plant & Equipment	0.02	2.89	-	-	-	-
Other Investing Activities	-	1.05	0.65	-	33.26	3.63
Investing Cash Flow	7.71	74.75	14.7	-123.61	-135.73	-74.12
Net Change in Deposits	70.19	-9.57	-99.89	28.54	139.41	156.41
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-28.55	-33.55	28.73	34.51	-15.87	-4.3
Net Long-Term Debt Issued (Repaid)	-4.62	-24.74	41.61	5.18	-16.77	-11.33
Issuance of Common Stock	-	-	-	-	0.04	-
Repurchase of Common Stock	-0.16	-	-1.46	-0.11	-0.13	-
Net Common Stock Issued (Repurchased)	-0.16	-	-1.46	-0.11	-0.09	-
Financing Cash Flow	36.82	-67.86	-31.01	68.11	106.69	140.78
Net Cash Flow	57.09	15.36	-9.26	-40.71	-21.39	81.51
Free Cash Flow	11.68	7.66	6.45	13.64	-4.15	12.94
Free Cash Flow Growth	52.61%	18.75%	-52.73%	-	-	36.45%
FCF Margin	25.67%	29.55%	15.33%	29.45%	-8.21%	34.46%
Free Cash Flow Per Share	1.07	0.71	0.59	1.24	-0.38	1.20
Levered Free Cash Flow	0.63	-33.35	47.09	13.06	-17.7	-4.05
Unlevered Free Cash Flow	0.19	0.01	1.08	0.88	-12.49	1.36

Updated Nov 13, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q