Rhinebeck Bancorp, Inc.

Rhinebeck Bancorp, Inc.

Financial Services

NASDAQ:RBKB · NASDAQ Capital Market

Market Cap $183.71M Beta 0.16 P/E (TTM) 18.2
$16.71 +0.97%

+$0.16 today

52W Low $9.41High $17.99

Vol 0.02M · Avg 0.01M

EPS (TTM)$0.92
Banks - Regional

Management

Put operating results in leadership context

Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.

Return Metrics

ROE, ROIC & ROA over time

Management

ROE

7.3%

avg 4.5%

ROIC

4.9%

avg 2.8%

ROA

0.8%

avg 0.4%

Analysis

ROE is currently the strongest return metric at 7.3% versus its period average of 4.5%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.

Management

Key executives, compensation & ownership

Management
NameTitleCompensationTenureAgeShares OwnedOwnership %

Matthew J. Smith

President, Chief Executive Officer & Director$638,047.0042$10,522.000.09%

Jamie J. Bloom

Executive VP & COO$577,151.0059$10,522.000.09%

Kevin Nihill

Executive VP, CFO & Treasurer$516,772.0050$25,164.000.23%

James T. McCardle

Executive VP and Chief Credit & Risk Officer$241,590.0060$11,762.000.11%

Jeanine Borko

Senior Vice President of Human Resources

Megan Bourgoin

Vice President, Compliance Officer & Assistant Secretary

Phillip Lekanides

Vice President, Controller & Principal Accounting Officer45$5,715.000.05%

Richard Kolosky

Senior Vice President of Commercial & Team Leader - Hudson Valley West

Dawn Scherer

Senior Vice President of Information Technology

Peter Saridakis

Senior Vice President of Marketing

Insider Trading

SEC Form 4 transactions — last 12 months

Management

Buys

1

$9,670.00

Sells

6

$186,729.43

Net Sentiment

$177,059.43

Net selling

Most Active

Bronzi Philip J

4 transactions

DateInsiderTypeSharesPriceValue
May 19, 2026

Bronzi Philip J

Direct

Sell4.2K$15.92$66,238.23
Dec 3, 2025

Bronzi Philip J

Direct

Sell3.4K$11.05$38,078.30
Dec 3, 2025

Bronzi Philip J

Direct

Sell1.5K$11.15$16,725.00
Dec 3, 2025

Bronzi Philip J

Direct

Sell100$11.16$1,116.00
Nov 6, 2025

Nihill Kevin M

Direct

Buy1.0K$9.67$9,670.00
Aug 29, 2025

McCardle James T. III

Direct

Sell4.3K$13.14$55,845.00
Aug 12, 2025

McCardle James T. III

Direct

Sell685$12.74$8,726.90

Analysis

Insiders reported 1 buys worth $9,670.00 and 6 sells worth $186,729.43 over the last 12 months. That adds up to net selling of $177,059.43. Bronzi Philip J was the most active insider with 4 transactions.

Growth Analysis

Historical CAGR & forward analyst estimates

Metric 10yr5yr3yr Fwd Est.
EPSN/AN/A+48.5%
N/A
RevenueN/AN/A+6.6%
N/A
Net IncomeN/AN/A+48.1%
N/A
EBITN/AN/A-9.7%
N/A

Analysis

Recent growth has been strongest in EPS at +48.5% over three years.

Who manages RBKB?

Rhinebeck Bancorp, Inc. (RBKB) lists 10 active executives. The top listed executive is Kevin Nihill, Executive VP, CFO & Treasurer.

Are RBKB insiders buying or selling?

Recent insider activity shows net buying of $3.59M.

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