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ECB Bancorp vs Rhinebeck Bancorp: revenue, profit, margins and growth compared

ECB Bancorp brought in $598K of revenue in fiscal 2025, Rhinebeck Bancorp $3M in fiscal 2025. Revenue changed by +3.6% at ECB Bancorp and -0.6% at Rhinebeck Bancorp on the year before, so ECB Bancorp grew faster. ECB Bancorp kept 1,299.7% of its revenue as net profit, Rhinebeck Bancorp 336.6%. Free cash flow was $9M at ECB Bancorp and $10.9M at Rhinebeck Bancorp.

Side by side, latest fiscal year

ECBKRBKB
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$598K$3M
Revenue growth+3.6%-0.6%
Net income$7.8M$10M
Net margin1,299.7%336.6%
Free cash flow$9M$10.9M
Free cash flow margin1,506.0%365.0%
Earnings per share (diluted)$0.94$0.92
Cashn/a$102M
Debtn/an/a
Price to earnings22.013.9
Market value$180.9M$200.6M
Dividend yieldn/an/a
Rank by revenue in sector#439 of 444 · Finance#424 of 444 · Finance

Over the years

Revenue
ECBK FY2024: $577KECBK FY2025: $598KRBKB FY2018: $2.8MRBKB FY2019: $2.8MRBKB FY2020: $2.3MRBKB FY2021: $2.6MRBKB FY2022: $2.8MRBKB FY2023: $2.9MRBKB FY2024: $3MRBKB FY2025: $3MFY18FY19FY20FY21FY22FY23FY24FY25
ECBK $598KRBKB $3M
Net income
ECBK FY2022: $4MECBK FY2022: $2.7MECBK FY2023: $4.5MECBK FY2024: $4MECBK FY2025: $7.8MRBKB FY2018: $4.4MRBKB FY2019: $6MRBKB FY2020: $5.9MRBKB FY2021: $11.6MRBKB FY2022: $7MRBKB FY2023: $4.4MRBKB FY2024: -$8.6MRBKB FY2025: $10MFY18FY19FY20FY21FY22FY23FY24FY25
ECBK $7.8MRBKB $10M
Net margin
ECBK FY2024: 691.7%ECBK FY2025: 1,299.7%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
ECBK 1,299.7%RBKB 336.6%
Revenue growth
ECBK FY2025: +3.6%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
ECBK +3.6%RBKB -0.6%
Free cash flow
ECBK FY2022: $6.3MECBK FY2022: $7.6MECBK FY2023: $6.1MECBK FY2024: $6.2MECBK FY2025: $9MRBKB FY2018: $7.5MRBKB FY2019: $9.5MRBKB FY2020: $13MRBKB FY2021: $5.9MRBKB FY2022: $13.7MRBKB FY2023: $6.5MRBKB FY2024: $7.7MRBKB FY2025: $10.9MFY18FY19FY20FY21FY22FY23FY24FY25
ECBK $9MRBKB $10.9M

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

Questions about ECB Bancorp and Rhinebeck Bancorp

Which is bigger by revenue, ECB Bancorp or Rhinebeck Bancorp?

Rhinebeck Bancorp is bigger by revenue: $3M in fiscal 2025, against $598K for ECB Bancorp in fiscal 2025.

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

ECB Bancorp had a net margin of 1,299.7% in fiscal 2025; Rhinebeck Bancorp had 336.6% in fiscal 2025.

Which grew revenue faster, ECB Bancorp or Rhinebeck Bancorp?

In their latest fiscal years revenue changed by +3.6% at ECB Bancorp 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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