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1 insider bought €52k of shares over the last 90 days, the latest by Vitale Michael, filed 06 Aug 2026.
Rhinebeck Bancorp, Inc.: what insiders have been doing
Every trade that managers of Rhinebeck Bancorp, Inc. disclose to SEC (Form 4) is tracked on this page. The company sits in the Banks sector. Between 22 October 2025 and 22 October 2026, 14 insiders published 27 filings.
The record shows 8 purchases on the open market worth €636k, made by 5 insiders, against 4 sales worth €105k by 1 insider. On balance, insiders were net buyers of €530k. Unlike grants, an open-market purchase is paid for by the insider, at the market price. Patzwahl Nancy Koskey filed the largest purchase, €262k, on 23 July 2026, which represents 0.15% of the company's market value. Among those who bought: 3 senior executives, 1 finance chief and 1 chief executive.
In the case of 7 purchases, another manager of the company was buying within the same 30 days. When several insiders buy within a few weeks of each other, analysts speak of a cluster purchase. The last insider purchase was made public on 6 August 2026, 78 days ago. Filings reach the SEC (Form 4) feed a median of 1 day after the trade. For comparison, the SEC allows two business days to file a Form 4.
With 27 filings in twelve months, the company is more active than the median of 24 filings across the 3,171 companies we follow on the same exchange. The full history, which starts in 2019, counts 56 purchases against 20 sales. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 10.0 m USD.
These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
148
Thresholds
n/a
Buy Volume
€876,377
56 ops. · all time
Sell Volume
€411,553
20 ops. · all time
Who traded when
BuySaleKaren E. Morgan-D'Amelio4 sales
Philip J. Bronzi4 sales
Francis X. Dwyer2 sales
James T. McCardle III2 sales
Kevin M. Nihill2 buys
Matthew James Smith2 buys
+3 other insiders
Since the insiders bought
- +3.5%Entry US$12.42 · Close 16 Oct 2026 US$12.85
- +3.4%Entry US$12.43 · Close 16 Oct 2026 US$12.85
- +3.4%Entry US$12.43 · Close 16 Oct 2026 US$12.85
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 5,133 of 26,248 companies
67.3
score / 100
Value66
Quality69
FCF yld5.5%
Earn yld5.0%
EV/EBITDA·
ROE7.3%
Gross mgn·
Net mgn19%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$12.74
Analyst consensus
Income statement
RevenueUS$53.4M
Net incomeUS$10M18.9% margin
Valuation
PER (trailing)14.0x
P/Book1.4x
Beta0.17
Balance sheet & cash
Market capUS$199.2M
Total debtUS$30.3M
Free Cash FlowUS$10.9M
Profitability & ownership
ROE7.3%
ROA0.7%
% insiders43.0%
% institutions16.3%
Last declaration on 6 August 2026
Declarations148 total
4,834 shares@ US$12.350.029% mcap49.7% of flowCommon StockSEC:0001437749-26-026192:0
Canonical exit: 4 Nov 2026 (T+90)
12,000 shares@ US$11.930.071% mcap96.0% of flowCommon StockSEC:0001437749-26-024328:1
Canonical exit: 20 Oct 2026 (T+90)
500 shares@ US$11.920.0030% mcap4.0% of flowCommon StockSEC:0001437749-26-024328:0
Canonical exit: 20 Oct 2026 (T+90)
25,000 shares@ US$11.940.15% mcap100.0% of flowCommon StockSEC:0001437749-26-024324:0
Canonical exit: 20 Oct 2026 (T+90)
2,300 shares@ US$11.9950.014% mcap18.5% of flowCommon StockSEC:0001437749-26-024321:0
Canonical exit: 20 Oct 2026 (T+90)
10,125 shares@ US$12.000.060% mcap81.5% of flowCommon StockSEC:0001437749-26-024321:1
Canonical exit: 20 Oct 2026 (T+90)
5,000 shares@ US$11.940.030% mcap50.3% of flowCommon StockSEC:0001437749-26-024326:0
Canonical exit: 20 Oct 2026 (T+90)
1,000 shares@ US$10.000.0050% mcap8.5% of flowCommon StockSEC:0001437749-26-023979:0
500 shares@ US$10.000.0025% mcap100.0% of flowCommon StockSEC:0001437749-26-024005:0
10,000 shares@ US$10.000.050% mcap74.2% of flowCommon StockSEC:0001437749-26-024007:0
2,700 shares@ US$10.000.013% mcap100.0% of flowCommon StockSEC:0001437749-26-023999:0
500 shares@ US$10.000.0025% mcap26.8% of flowCommon StockSEC:0001437749-26-023986:0
1,368 shares@ US$10.000.0068% mcap73.2% of flowCommon StockSEC:0001437749-26-023986:1
2,500 shares@ US$10.000.012% mcap37.4% of flowCommon StockSEC:0001437749-26-023984:0
10,000 shares@ US$10.000.050% mcap100.0% of flowCommon StockSEC:0001437749-26-023981:0
1,468 shares@ US$17.080.012% mcap39.9% of flowCommon StockSEC:0001437749-26-023332:0
1,624 shares0Common StockSEC:0001437749-26-018713:0
10,487 shares0Common StockSEC:0001437749-26-018725:0
1,624 shares0Common StockSEC:0001437749-26-018716:0
1,624 shares0Common StockSEC:0001437749-26-018717:0
4,162 shares@ US$15.9150.034% mcap31.6% of flowCommon StockSEC:0001437749-26-018034:0
7,000 shares@ US$6.570.024% mcap21.7% of flowCommon StockSEC:0001437749-26-014222:0
2,838 shares@ US$16.200.023% mcap21.7% of flowCommon StockSEC:0001437749-26-014222:1
1,500 shares@ US$11.157.3% of flowCommon StockSEC:0001437749-25-036872:1
100 shares@ US$11.160.5% of flowCommon StockSEC:0001437749-25-036872:2
25 of 148 declarations
About Rhinebeck Bancorp, Inc.
Rhinebeck Bancorp, Inc. is a financial services company that offers banking services and financial products to its customers. It primarily operates in the Rhinebeck, New York area.
