RBKB FY 2020 Earnings Report — Rhinebeck Bancorp, Inc. Revenue & Financial Results | Market Cap Arena

Rhinebeck Bancorp, Inc.RBKB

FY 2020 Earnings

Reported March 25, 2021

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2020	Prior Q	FY 2019	QoQ Change	YoY Change
Revenue	$53M	—	$47M	—	13.0%
Op. Income	$7M	—	$7M	—	-0.2%
Gross Margin	71.2%	—	76.0%	—	-4.7pp
Net Margin	11.2%	—	12.8%	—	-1.6pp
EPS (Diluted)	$0.55	—	$0.56	—	-1.8%
Free Cash Flow	$13M	—	$10M	—	36.3%

Revenue Flow

Item	Amount
REVENUE	$53M
Cost of Revenue	$15M
GROSS PROFIT	$38M
R&D Expenses	$0
Selling & Marketing	$506.0K
General & Administrative	$19M
SG&A Expenses	$19M
Other Expenses	$11M
Operating Expenses	$30M
Cost & Expenses	$45M
OPERATING INCOME	$7M
Interest Income	$44M
Interest Expense	$8M
Other Income/Expenses	$0
INCOME BEFORE TAX	$7M
Income Tax Expense	$2M
Net Income from Continuing Ops	$6M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$6M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$6M
D&A	$1M
EBIT	$7M
EBITDA	$9M
EPS	$1
EPS Diluted	$1

Income Statement

Item	Amount
REVENUE	$53M
Cost of Revenue	$15M
GROSS PROFIT	$38M
R&D Expenses	$0
Selling & Marketing	$506.0K
General & Administrative	$19M
SG&A Expenses	$19M
Other Expenses	$11M
Operating Expenses	$30M
Cost & Expenses	$45M
OPERATING INCOME	$7M
Interest Income	$44M
Interest Expense	$8M
Other Income/Expenses	$0
INCOME BEFORE TAX	$7M
Income Tax Expense	$2M
Net Income from Continuing Ops	$6M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$6M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$6M
D&A	$1M
EBIT	$7M
EBITDA	$9M
EPS	$1
EPS Diluted	$1

Cash Flow Statement

Item	Amount
Net Income	$6M
Depreciation & Amortization	$1M
Stock-Based Compensation	$387.0K
Deferred Income Tax	-$2M
Other Non-Cash Items	$7M
Change in Working Capital	$1M
OPERATING CASH FLOW	$15M
Capital Expenditure	-$2M
Acquisitions (Net)	$0
Purchases of Investments	-$39M
Sales/Maturities of Investments	$52M
Other Investing Activities	-$85M
NET CASH FROM INVESTING	-$74M
Net Debt Issuance	-$16M
Common Stock Repurchased	$0
Common Dividends Paid	$0
Other Financing Activities	$156M
NET CASH FROM FINANCING	$141M
FREE CASH FLOW	$13M
Net Change in Cash	$82M

Balance Sheet

Item	Amount
Cash & Equivalents	$93M
Short-Term Investments	$103M
Net Receivables	$4M
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$200M
PP&E (Net)	$19M
Goodwill	$1M
Intangible Assets	$199.0K
Long-Term Investments	$874M
Tax Assets	$4M
Other Non-Current Assets	$31M
TOTAL NON-CURRENT ASSETS	$929M
TOTAL ASSETS	$1.1B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$929M
TOTAL CURRENT LIABILITIES	$948M
Long-Term Debt	$56M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$8M
TOTAL NON-CURRENT LIABILITIES	$64M
TOTAL LIABILITIES	$1.0B
Common Stock	$113.0K
Additional Paid-In Capital	$46M
Retained Earnings	$78M
Treasury Stock	$0
Accum. Other Comp. Income	-$4M
Other Equity	-$4M
TOTAL STOCKHOLDERS' EQUITY	$116M
Minority Interest	$0
TOTAL EQUITY	$116M
TOTAL LIABILITIES & EQUITY	$1.1B
Total Debt	$56M
Net Debt	-$38M