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

Pioneer Bancorp brought in $15.8M of revenue in fiscal 2025, Rhinebeck Bancorp $3M in fiscal 2025. Pioneer Bancorp kept 128.3% of its revenue as net profit, Rhinebeck Bancorp 336.6%.

Side by side, latest fiscal year

PBFSRBKB
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$15.8M$3M
Revenue growthn/a-0.6%
Net income$20.3M$10M
Net margin128.3%336.6%
Free cash flown/a$10.9M
Free cash flow marginn/a365.0%
Earnings per share (diluted)$0.83$0.92
Cash$133.7M$102M
Debtn/an/a
Price to earnings21.313.9
Market value$439M$200.6M
Dividend yieldn/an/a
Rank by revenue in sector#396 of 444 · Finance#424 of 444 · Finance

Over the years

Revenue
PBFS FY2019: $12.9MPBFS FY2020: $12.6MPBFS FY2021: $12.8MPBFS FY2022: $13.2MPBFS FY2023: $13MPBFS FY2024: $15MPBFS FY2025: $15.8MRBKB FY2018: $2.8MRBKB FY2019: $2.8MRBKB FY2020: $2.3MRBKB FY2021: $2.6MRBKB FY2022: $2.8MRBKB FY2023: $2.9MRBKB FY2024: $3MRBKB FY2025: $3MFY18FY19FY20FY21FY22FY23FY24FY25
PBFS $15.8MRBKB $3M
Net income
PBFS FY2019: $11.5MPBFS FY2019: $7.3MPBFS FY2020: $5.2MPBFS FY2021: $1.1MPBFS FY2022: $10.3MPBFS FY2023: $21.9MPBFS FY2024: $15.3MPBFS FY2025: $20.3MRBKB FY2018: $4.4MRBKB FY2019: $6MRBKB FY2020: $5.9MRBKB FY2021: $11.6MRBKB FY2022: $7MRBKB FY2023: $4.4MRBKB FY2024: -$8.6MRBKB FY2025: $10MFY18FY19FY20FY21FY22FY23FY24FY25
PBFS $20.3MRBKB $10M
Net margin
PBFS FY2019: 56.7%PBFS FY2020: 41.4%PBFS FY2021: 8.4%PBFS FY2022: 77.7%PBFS FY2023: 169.1%PBFS FY2024: 102.1%PBFS FY2025: 128.3%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
PBFS 128.3%RBKB 336.6%
Revenue growth
PBFS FY2020: -2.6%PBFS FY2021: +1.7%PBFS FY2022: +3.6%PBFS FY2023: -1.9%PBFS FY2024: +15.2%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
PBFS +15.2%RBKB -0.6%
Free cash flow
PBFS FY2019: $15MPBFS FY2019: $3.8MPBFS FY2020: $322KPBFS FY2021: $32.1MPBFS FY2022: $49.2MPBFS FY2023: $25.8MPBFS FY2024: $23MRBKB FY2018: $7.5MRBKB FY2019: $9.5MRBKB FY2020: $13MRBKB FY2021: $5.9MRBKB FY2022: $13.7MRBKB FY2023: $6.5MRBKB FY2024: $7.7MRBKB FY2025: $10.9MFY18FY19FY20FY21FY22FY23FY24FY25
PBFS $23MRBKB $10.9M

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

Questions about Pioneer Bancorp and Rhinebeck Bancorp

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

Pioneer Bancorp is bigger by revenue: $15.8M in fiscal 2025, against $3M for Rhinebeck Bancorp in fiscal 2025.

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

Pioneer Bancorp had a net margin of 128.3% in fiscal 2025; Rhinebeck Bancorp had 336.6% in fiscal 2025.

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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