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Beacon Financial vs Rhinebeck Bancorp: revenue, profit, margins and growth compared

Beacon Financial brought in $29.9M of revenue in fiscal 2025, Rhinebeck Bancorp $3M in fiscal 2025. Revenue changed by -92.5% at Beacon Financial and -0.6% at Rhinebeck Bancorp on the year before, so Rhinebeck Bancorp grew faster. Beacon Financial kept 301.4% of its revenue as net profit, Rhinebeck Bancorp 336.6%. Free cash flow was $212.2M at Beacon Financial and $10.9M at Rhinebeck Bancorp.

Side by side, latest fiscal year

BBTRBKB
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$29.9M$3M
Revenue growth-92.5%-0.6%
Net income$90.3M$10M
Net margin301.4%336.6%
Free cash flow$212.2M$10.9M
Free cash flow margin708.4%365.0%
Earnings per share (diluted)$1.03$0.92
Cash$2B$102M
Debt$788.4Mn/a
Price to earnings27.413.9
Market value$2.4B$200.6M
Dividend yield2.58%n/a
Rank by revenue in sector#376 of 444 · Finance#424 of 444 · Finance

Over the years

Revenue
BBT FY2018: $430.5MBBT FY2019: $449.3MBBT FY2020: $383.1MBBT FY2021: $434.4MBBT FY2022: $413.5MBBT FY2023: $411.8MBBT FY2024: $400MBBT FY2025: $29.9MRBKB FY2018: $2.8MRBKB FY2019: $2.8MRBKB FY2020: $2.3MRBKB FY2021: $2.6MRBKB FY2022: $2.8MRBKB FY2023: $2.9MRBKB FY2024: $3MRBKB FY2025: $3MFY18FY19FY20FY21FY22FY23FY24FY25
BBT $29.9MRBKB $3M
Net income
BBT FY2018: $105.8MBBT FY2019: $97.5MBBT FY2020: -$533MBBT FY2021: $118.7MBBT FY2022: $92.5MBBT FY2023: $75MBBT FY2024: $68.7MBBT FY2025: $90.3MRBKB FY2018: $4.4MRBKB FY2019: $6MRBKB FY2020: $5.9MRBKB FY2021: $11.6MRBKB FY2022: $7MRBKB FY2023: $4.4MRBKB FY2024: -$8.6MRBKB FY2025: $10MFY18FY19FY20FY21FY22FY23FY24FY25
BBT $90.3MRBKB $10M
Net margin
BBT FY2018: 24.6%BBT FY2019: 21.7%BBT FY2020: -139.1%BBT FY2021: 27.3%BBT FY2022: 22.4%BBT FY2023: 18.2%BBT FY2024: 17.2%BBT FY2025: 301.4%RBKB FY2018: 155.3%RBKB FY2019: 211.2%RBKB FY2020: 260.0%RBKB FY2021: 447.3%RBKB FY2022: 247.3%RBKB FY2023: 152.6%RBKB FY2024: -287.1%RBKB FY2025: 336.6%FY18FY19FY20FY21FY22FY23FY24FY25
BBT 301.4%RBKB 336.6%
Revenue growth
BBT FY2019: +4.4%BBT FY2020: -14.7%BBT FY2021: +13.4%BBT FY2022: -4.8%BBT FY2023: -0.4%BBT FY2024: -2.9%BBT FY2025: -92.5%RBKB FY2019: +0.6%RBKB FY2020: -19.4%RBKB FY2021: +13.5%RBKB FY2022: +9.5%RBKB FY2023: +1.8%RBKB FY2024: +4.2%RBKB FY2025: -0.6%FY19FY20FY21FY22FY23FY24FY25
BBT -92.5%RBKB -0.6%
Free cash flow
BBT FY2018: $212.9MBBT FY2019: $101MBBT FY2020: $220.4MBBT FY2021: $83.2MBBT FY2022: $109.2MBBT FY2023: $104.2MBBT FY2024: $100MBBT FY2025: $212.2MRBKB FY2018: $7.5MRBKB FY2019: $9.5MRBKB FY2020: $13MRBKB FY2021: $5.9MRBKB FY2022: $13.7MRBKB FY2023: $6.5MRBKB FY2024: $7.7MRBKB FY2025: $10.9MFY18FY19FY20FY21FY22FY23FY24FY25
BBT $212.2MRBKB $10.9M

Fiscal years as each company reports them; the two may end in different months.

Questions about Beacon Financial and Rhinebeck Bancorp

Which is bigger by revenue, Beacon Financial or Rhinebeck Bancorp?

Beacon Financial is bigger by revenue: $29.9M in fiscal 2025, against $3M for Rhinebeck Bancorp in fiscal 2025.

Which keeps more of its revenue as profit, Beacon Financial or Rhinebeck Bancorp?

Beacon Financial had a net margin of 301.4% in fiscal 2025; Rhinebeck Bancorp had 336.6% in fiscal 2025.

Which grew revenue faster, Beacon Financial or Rhinebeck Bancorp?

In their latest fiscal years revenue changed by -92.5% at Beacon Financial and -0.6% at Rhinebeck Bancorp.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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