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Rhinebeck Bancorp, Inc. (RBKB)

USD16.79 +0.17 (+0.99%)
US NASDAQ Financial Services Banks - Regional
Address 2 Jefferson Plaza 12601
Poughkeepsie, NY, US
CEO Matthew J. Smith
IPO 2019-01-17
CIK 1751783 ISIN US7620931029

Explore sections of this company profile

Description

Rhinebeck Bancorp, Inc. functions as the holding company for Rhinebeck Bank, which is dedicated to providing a full spectrum of banking and financial services. These offerings cater to both individual consumers and business clients throughout New York's Hudson Valley region. The company's financial products include various deposit accounts, automobile financing, and a wide range of real estate loans. This extensive lending portfolio covers commercial real estate, encompassing multi-family properties, construction, and land development, in addition to business loans and mortgages for one-to four-family residential dwellings. Furthermore, Rhinebeck Bancorp, Inc. extends brokerage and financial advisory services, along with life insurance and investment products, to its diverse clientele. As of December 31, 2021, the company operated through 15 branches and 2 representative offices situated across Dutchess, Ulster, Orange, and Albany counties. It also maintains an ATM in Tivoli, New York. Established in 1860, the company's primary corporate base is located in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates under the umbrella of its parent company, Rhinebeck Bancorp, MHC.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD16.79 +0.17 (+0.99%)
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Volume Profile
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Liquidity & share structure
Average Volume
21.6K
Beta
0.16
Float Shares
4.56M
Free Float %
41.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+3.23% +4.36% -0.37% +1.75% +49.49% +35.44% +40.34% +134.92% +54.02% +38.55% +38.55%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
16.79
DCF (Unlevered) 6.64 -60.5%
DCF (Levered) 13.76 -18.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.32
Distress
Piotroski F-Score
8 / 9
Strong
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +39.8% Q1'26: -1.7% (vs Q1'25)
  • EPS growth
    +215.0% Q1'26: -4.8% (vs Q1'25)
  • FCF margin
    Q1'26: +15.9% (vs Q1'25)
  • EBIT margin
    Q1'26: +15.8% (vs Q1'25)
  • ROIC
    Q1'26: +6.4% (vs Q1'25)
  • Share dilution
    +1.9% Q1'26: +0.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.44× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.17) × ERP
WACC = 85% × Ke + 15% × Kd (74.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 6.64 Current price: 16.79
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 B 3/5 4/5 3/5 3/5 3/5 2/5 2/5
2026-05-27 B 3/5 4/5 3/5 3/5 3/5 2/5 2/5
2026-05-26 B 3/5 4/5 3/5 3/5 3/5 2/5 2/5
2026-05-22 B 3/5 4/5 3/5 3/5 3/5 2/5 2/5
2026-05-21 B 3/5 4/5 3/5 3/5 3/5 2/5 2/5
2026-05-20 B 3/5 4/5 3/5 3/5 3/5 2/5 2/5
2026-05-19 B 3/5 4/5 3/5 3/5 3/5 2/5 2/5
2026-05-18 B 3/5 4/5 3/5 3/5 3/5 2/5 2/5
2026-05-15 B 3/5 3/5 3/5 3/5 3/5 2/5 2/5
2026-05-14 B 3/5 3/5 3/5 3/5 3/5 2/5 2/5
2026-05-13 B- 3/5 3/5 2/5 3/5 3/5 2/5 2/5
2026-05-12 B- 3/5 3/5 2/5 3/5 3/5 2/5 2/5
2026-05-11 B- 3/5 3/5 2/5 3/5 3/5 2/5 2/5
2026-05-08 B- 3/5 3/5 2/5 3/5 3/5 2/5 2/5
2026-05-07 B- 3/5 3/5 2/5 3/5 3/5 2/5 2/5
2026-05-06 B- 3/5 3/5 2/5 3/5 3/5 2/5 2/5
2026-05-05 B- 3/5 3/5 2/5 3/5 3/5 2/5 2/5
2026-05-04 B- 3/5 3/5 2/5 3/5 3/5 2/5 2/5
2026-05-01 B 3/5 3/5 3/5 3/5 3/5 2/5 2/5
2026-04-30 B 3/5 3/5 3/5 3/5 3/5 2/5 2/5
2026-04-29 B 3/5 3/5 3/5 3/5 3/5 2/5 2/5
2026-04-28 B 3/5 3/5 3/5 3/5 3/5 2/5 2/5
2026-04-27 B 3/5 3/5 3/5 3/5 3/5 2/5 2/5
2026-04-24 B- 3/5 3/5 3/5 4/5 1/5 2/5 2/5
2026-04-23 B 3/5 4/5 3/5 4/5 1/5 2/5 3/5
2026-04-22 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-21 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5
2026-04-20 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5
2026-04-17 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5
2026-04-16 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
16.03M
OE per share TTM
1.46
Owner's Yield
9.08%
Maintenance CapEx ratio
32.97%
Maint CapEx / Avg PPE
30.0%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
46
Total invested
33.37M
Insider transactions (90d)
18
Beneficial owners (>5%)
10
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Bain Capital Venture Fund 2005, L.P. 1.87M 8.50% 570.6K 570.6K PN Delaware 2020-02-11
2 EJF Capital LLC 595.7K 5.40% 595.7K 595.7K IA Delaware 2019-04-25
3 EJF Sidecar Fund, Series LLC – Small Financial Equities Series 595.7K 5.40% 595.7K 595.7K OO Delaware 2019-04-25
4 Emanuel J. Friedman 595.7K 5.40% 595.7K 595.7K IN Delaware 2019-04-25
5 Jason A. Stock 587.2K 5.20% 587.2K 587.2K IN STATE OF UTAH, UNITED STATES OF AMERICA 2022-09-26
6 M3 FUNDS, LLC 587.2K 5.20% 587.2K 587.2K OO STATE OF UTAH, UNITED STATES OF AMERICA 2022-09-26
7 M3 PARTNERS, LP 587.2K 5.20% 587.2K 587.2K PN STATE OF UTAH, UNITED STATES OF AMERICA 2022-09-26
8 M3F, INC. 587.2K 5.20% 587.2K 587.2K IA, CO STATE OF UTAH, UNITED STATES OF AMERICA 2022-09-26
9 William C. Waller 587.2K 5.20% 587.2K 587.2K IN UNITED STATES OF AMERICA 2022-09-26
10 51-0099493 565.0K 5.00% 565.0K 565.0K EP Delaware 2022-01-26

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
46
+3 vs prev Q
New positions
9
Closed positions
6
Increased
28
Reduced
11
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 M3F, INC. 1.02M +17.6K (+1.8%) 12.21M +870.0K (+7.7%) 9.36% +0.112 pp 3.35% +0.140 pp USD8.60 +39.8% 23 qtrs
2 ALLIANCEBERNSTEIN L.P. 375.4K -15.6K (-4.0%) 4.51M +70.7K (+1.6%) 3.46% -0.164 pp 0.00% +0.000 pp USD9.57 +25.6% 28 qtrs
3 VANGUARD GROUP INC 238.3K +2.1K (+0.9%) 2.86M +180.8K (+6.7%) 2.20% +0.007 pp 0.00% +0.000 pp USD8.44 +42.4% 28 qtrs
4 BLACKROCK, INC. 148.8K +4.5K (+3.1%) 1.79M +149.8K (+9.1%) 1.37% +0.035 pp 0.00% +0.000 pp USD11.58 +3.8% 6 qtrs
5 GEODE CAPITAL MANAGEMENT, LLC 92.4K +3.3K (+3.7%) 1.11M +98.0K (+9.7%) 0.85% +0.026 pp 0.00% +0.000 pp USD9.84 +22.2% 11 qtrs
6 BRIDGEWAY CAPITAL MANAGEMENT, LLC 72.8K +— (+0.0%) 874.5K +48.0K (+5.8%) 0.67% -0.004 pp 0.02% +0.001 pp USD9.22 +30.4% 16 qtrs
7 EMPOWERED FUNDS, LLC 57.8K +— (+0.0%) 694.2K +38.1K (+5.8%) 0.53% -0.003 pp 0.01% -0.001 pp USD7.61 +58.0% 11 qtrs
8 NORTHERN TRUST CORP 31.7K -4.2K (-11.6%) 381.3K -26.5K (-6.5%) 0.29% -0.040 pp 0.00% +0.000 pp USD11.65 +3.2% 3 qtrs
9 STATE STREET CORP 29.9K +2.2K (+7.9%) 359.6K +44.8K (+14.2%) 0.28% +0.019 pp 0.00% +0.000 pp USD11.72 +2.6% 3 qtrs
10 DIMENSIONAL FUND ADVISORS LP 29.9K +151.0 (+0.5%) 359.3K +21.5K (+6.4%) 0.28% 0.000 pp 0.00% +0.000 pp USD8.34 +44.1% 10 qtrs
11 RENAISSANCE TECHNOLOGIES LLC 21.2K -1.4K (-6.2%) 254.8K -1.9K (-0.7%) 0.20% -0.014 pp 0.00% +0.000 pp USD11.63 +3.4% 3 qtrs
12 CERITY PARTNERS LLC 20.0K -10.0 (0.0%) 240.5K +13.1K (+5.8%) 0.18% -0.001 pp 0.00% +0.000 pp USD11.36 +5.8% 2 qtrs
13 AE WEALTH MANAGEMENT LLC 13.0K +1.1K (+9.0%) 156.6K +20.9K (+15.4%) 0.12% +0.009 pp 0.00% +0.000 pp USD11.41 +5.3% 2 qtrs
14 GRACE & WHITE INC /NY 12.7K +— (+0.0%) 152.2K +8.4K (+5.8%) 0.12% -0.001 pp 0.03% +0.002 pp USD6.73 +78.6% 11 qtrs
15 CHARLES SCHWAB INVESTMENT MANAGEMENT INC 11.3K +— (+0.0%) 136.2K +7.5K (+5.8%) 0.10% -0.001 pp 0.00% +0.000 pp USD11.73 +2.5% 3 qtrs
16 FOCUSED WEALTH MANAGEMENT, INC 10.0K +— (+0.0%) 120.2K +6.6K (+5.8%) 0.09% -0.001 pp 0.01% +0.001 pp USD6.32 +90.2% 22 qtrs
17 MORGAN STANLEY 8.6K +692.0 (+8.7%) 103.9K +13.6K (+15.0%) 0.08% +0.006 pp 0.00% +0.000 pp USD11.65 +3.2% 4 qtrs
18 BARCLAYS PLC 7.2K +778.0 (+12.1%) 86.7K +13.6K (+18.6%) 0.07% +0.007 pp 0.00% +0.000 pp USD11.76 +2.2% 3 qtrs
19 NEW YORK STATE COMMON RETIREMENT FUND 7.1K +— (+0.0%) 85.0K +4.7K (+5.8%) 0.07% 0.000 pp 0.00% +0.000 pp USD11.73 +2.5% 3 qtrs
20 WELLS FARGO & COMPANY/MN 5.1K +1.6K (+46.3%) 60.9K +21.5K (+54.8%) 0.05% +0.015 pp 0.00% +0.000 pp USD11.78 +2.0% 3 qtrs
21 RHUMBLINE ADVISERS 5.0K -3.4K (-40.3%) 59.9K -34.9K (-36.9%) 0.05% -0.032 pp 0.00% +0.000 pp USD11.64 +3.3% 3 qtrs
22 BANK OF AMERICA CORP /DE/ 3.8K +1.2K (+47.6%) 45.5K +16.4K (+56.2%) 0.03% +0.011 pp 0.00% +0.000 pp USD11.73 +2.5% 9 qtrs
23 UBS GROUP AG 2.9K -2.3K (-44.2%) 35.3K -24.4K (-40.9%) 0.03% -0.022 pp 0.00% +0.000 pp USD9.44 +27.3% 24 qtrs
24 MIRAE ASSET GLOBAL ETFS HOLDINGS LTD. 2.2K +78.0 (+3.7%) 26.0K +2.3K (+9.8%) 0.02% +0.001 pp 0.00% +0.000 pp USD11.74 +2.4% 3 qtrs
25 JPMORGAN CHASE & CO 1.8K -15.0 (-0.8%) 21.7K +1.0K (+4.9%) 0.02% 0.000 pp 0.00% +0.000 pp USD11.73 +2.5% 3 qtrs
26 BNP PARIBAS ARBITRAGE, SNC 1.8K +870.0 (+96.5%) 21.3K +11.1K (+107.9%) 0.02% +0.008 pp 0.00% +0.000 pp USD11.86 +1.3% 3 qtrs
27 RUSSELL INVESTMENTS GROUP, LTD. 1.4K +415.0 (+44.0%) 16.3K +5.6K (+52.4%) 0.01% +0.004 pp 0.00% +0.000 pp USD11.56 +4.0% 2 qtrs
28 TOWER RESEARCH CAPITAL LLC (TRC) 827.00 -427.0 (-34.1%) 9.9K -4.3K (-30.2%) 0.01% -0.004 pp 0.00% 0.000 pp USD11.36 +5.8% 16 qtrs
29 FMR LLC 488.00 +472.0 (+2,950.0%) 5.9K +5.7K (+3,123.1%) 0.00% +0.004 pp 0.00% +0.000 pp USD12.00 +0.2% 2 qtrs
30 AMERITAS INVESTMENT PARTNERS, INC. 461.00 +— (+0.0%) 5.5K +304.0 (+5.8%) 0.00% +0.000 pp 0.00% +0.000 pp USD11.73 +2.5% 3 qtrs
31 LEGAL & GENERAL GROUP PLC 406.00 +— (+0.0%) 4.9K +268.0 (+5.8%) 0.00% +0.000 pp 0.00% +0.000 pp USD11.73 +2.5% 3 qtrs
32 STERLING CAPITAL MANAGEMENT LLC 312.00 +— (+0.0%) 3.8K +206.0 (+5.8%) 0.00% +0.000 pp 0.00% +0.000 pp USD11.50 +4.5% 3 qtrs
33 MASSMUTUAL TRUST CO FSB/ADV 288.00 +— (+0.0%) 3.5K +190.0 (+5.8%) 0.00% +0.000 pp 0.00% +0.000 pp USD11.36 +5.8% 2 qtrs
34 CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM 277.00 -6.0 (-2.1%) 3.3K +115.0 (+3.6%) 0.00% 0.000 pp 0.00% +0.000 pp USD11.72 +2.6% 3 qtrs
35 AMALGAMATED BANK 142.00 -12.0 (-7.8%) 2.0K +— (+0.0%) 0.00% 0.000 pp 0.00% +0.000 pp USD11.73 +2.5% 3 qtrs
36 CITIGROUP INC 103.00 +50.0 (+94.3%) 1.2K +636.0 (+105.6%) 0.00% +0.001 pp 0.00% +0.000 pp USD11.86 +1.3% 3 qtrs
37 ROYAL BANK OF CANADA 159.00 +159.0 (+100.0%) 1.0K +1.0K (+100.0%) 0.00% +0.002 pp 0.00% +0.000 pp USD12.02 +0.0% 5 qtrs
38 UBS ASSET MANAGEMENT AMERICAS INC 24.00 +24.0 (+100.0%) 288.00 +288.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.00 +0.2% 1 qtrs NEW
39 GAMMA INVESTING LLC 15.00 -9.0 (-37.5%) 180.00 -93.0 (-34.1%) 0.00% 0.000 pp 0.00% +0.000 pp USD11.33 +6.1% 2 qtrs
40 FARTHER FINANCE ADVISORS, LLC 15.00 +1.0 (+7.1%) 180.00 +21.0 (+13.2%) 0.00% +0.000 pp 0.00% +0.000 pp USD11.40 +5.4% 3 qtrs
41 IFP ADVISORS, INC 4.00 +— (+0.0%) 48.00 +3.0 (+6.7%) 0.00% +0.000 pp 0.00% +0.000 pp USD11.25 +6.8% 2 qtrs
42 MAI CAPITAL MANAGEMENT 2.00 +2.0 (+100.0%) 25.00 +25.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.00 +0.2% 1 qtrs NEW
43 ALLWORTH FINANCIAL LP -2.0 (-100.0%) -23.0 (-100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD 2 qtrs SOLD
44 EVERSOURCE WEALTH ADVISORS, LLC -1.0 (-100.0%) -11.0 (-100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD 2 qtrs SOLD
45 NISA INVESTMENT ADVISORS, LLC -289.0 (-100.0%) -3.3K (-100.0%) 0.00% -0.003 pp 0.00% +0.000 pp USD 3 qtrs SOLD
46 PNC FINANCIAL SERVICES GROUP, INC. -6.0 (-100.0%) -68.0 (-100.0%) 0.00% 0.000 pp 0.00% +0.000 pp USD 2 qtrs SOLD
47 ADVISOR GROUP HOLDINGS, INC. -3.6K (-100.0%) -40.7K (-100.0%) 0.00% -0.033 pp 0.00% 0.000 pp USD 2 qtrs SOLD
48 SRS CAPITAL ADVISORS, INC. -42.0 (-100.0%) -477.0 (-100.0%) 0.00% 0.000 pp 0.00% +0.000 pp USD 2 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 42 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 EA Bridgeway Omni Small-Cap Value ETF BSVO 0.04% 739.0K 0.47%
2 iShares Micro-Cap ETF IWC 0.02% 272.3K 0.60%
3 iShares Russell 2000 Value ETF IWN 0.00% 694.7K 0.24%
4 Vanguard Russell 2000 Value ETF VTWV 0.00% 52.0K 0.06%
5 Dimensional - US Vector Equity ETF DXUV 0.00% 17.8K 0.28%
6 Xtrackers Russell 2000 UCITS ETF 1C XRSU.L 0.00% 73.9K 0.30%
7 Global X - Russell 2000 ETF RSSL 0.00% 37.4K 0.08%
8 Invesco Russell 2000 UCITS ETF RTYS.L 0.00% 8.0K 0.25%
9 iShares Russell 2000 BuyWrite ETF IWMW 0.00% 1.3K 0.39%
10 iShares Russell 2000 ETF IWM 0.00% 1.89M 0.19%

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
4.25
Bullish
Ratio by volume
3.00
Bullish
Buys
17
Sells
4
Shares acquired
79.9K
Shares disposed
14.5K
Cash buys
Cash sales
1.00
Net activity
+65,373
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2026-05-26 Smith Matthew James Director / Officer A-Award A Common Stock 17,046 0.00 17,046 D
2026-05-26 Patzwahl Nancy Koskey Director A-Award A Common Stock 1,624 0.00 1,624 D
2026-05-26 Nihill Kevin M Officer A-Award A Common Stock 9,632 0.00 25,164 D
2026-05-26 McGinnis Sharon Director A-Award A Common Stock 1,624 0.00 1,624 D
2026-05-26 McCardle James T. III Officer A-Award A Common Stock 8,182 0.00 11,762 D
2026-05-26 Loughlin Suzanne Director A-Award A Common Stock 1,624 0.00 24,559 D
2026-05-26 Lekanides Phillip Officer A-Award A Common Stock 3,410 0.00 5,715 D
2026-05-26 LaFrance Shannon Martin Director A-Award A Common Stock 1,624 0.00 23,352 D
2026-05-26 Irwin William C. Director A-Award A Common Stock 1,624 0.00 29,287 D
2026-05-26 Howell Steven E Director A-Award A Common Stock 1,624 0.00 6,624 D
2026-05-26 Garcia Freddimir Director A-Award A Common Stock 1,624 0.00 4,798 D
2026-05-26 Chestney Christopher W. Director A-Award A Common Stock 1,624 0.00 22,135 D
2026-05-26 Bloom Jamie J. Officer A-Award A Common Stock 10,487 0.00 10,522 D
2026-05-26 Beeler Donald E. Jr. Director A-Award A Common Stock 1,624 0.00 3,211 D
2026-05-19 Bronzi Philip J Officer S-Sale D Common Stock 4,162 15.92 66.2K 0 D
2026-05-04 Lekanides Phillip Officer M-Exempt D Stock Options 500 6.57 3.3K 1,500 D
2026-04-28 Bronzi Philip J Officer M-Exempt A Common Stock 7,000 6.57 46.0K 7,000 D
2026-04-21 Vitale Michael Officer A-Award A Common Stock 9,000 0.00 9,000 D
2026-04-13 Vitale Michael Officer Common Stock 0 0.00 0 D
2025-12-03 Bronzi Philip J Officer S-Sale D Common Stock 3,446 11.05 38.1K 1,600 D
2025-11-06 Nihill Kevin M Officer P-Purchase A Common Stock 1,000 9.67 9.7K 15,532 D
2025-10-20 Smith Matthew James Director / Officer Common Stock 0 0.00 0 D
2025-09-09 Quinn Michael J. Director / Officer F-InKind D Common Stock 55,646 13.00 723.4K 80,073 D
2025-08-29 McCardle James T. III Officer S-Sale D Common Stock 4,250 13.14 55.8K 3,580 D
2025-08-12 McCardle James T. III Officer S-Sale D Common Stock 685 12.74 8.7K 7,830 D
2025-07-09 Nihill Kevin M Officer F-InKind D Common Stock 1,468 11.99 17.6K 14,532 D
2025-04-15 Patzwahl Nancy Koskey Director Common Stock 0 0.00 0 D
2025-04-15 McGinnis Sharon Director Common Stock 0 0.00 0 D
2025-02-13 Nihill Kevin M Officer P-Purchase A Common Stock 1,000 10.00 10.0K 16,000 D
2024-12-06 Dwyer Francis X. Officer M-Exempt D Stock Options 22,000 6.57 144.5K 0 D
2024-11-29 Morgan-D'Amelio Karen E. Officer S-Sale D Common Stock 536 9.78 5.2K 1,000 D
2024-11-26 Morgan-D'Amelio Karen E. Officer S-Sale D Common Stock 1,354 9.80 13.3K 1,612 D
2024-11-25 Dwyer Francis X. Officer S-Sale D Common Stock 250 9.83 2.5K 0 I
2024-07-09 Nihill Kevin M Officer A-Award A Common Stock 15,000 0.00 15,000
2024-07-08 Nihill Kevin M Officer D Common Stock 0 0.00 0
2024-06-01 Lekanides Phillip Officer I Common Stock 0 0.00 5,886
2023-12-06 Bloom Jamie J. Officer S-Sale D Common Stock 600 6.25 3.8K 35
2023-12-05 Bloom Jamie J. Officer S-Sale D Common Stock 2,234 6.37 14.2K 635
2023-12-01 Tumolo Louis Jr. Director P-Purchase A Common Stock 2,000 6.30 12.6K 30,128
2023-11-30 Tumolo Louis Jr. Director P-Purchase A Common Stock 2,000 6.34 12.7K 28,128
2023-09-08 Malone Mark D. Officer I Common Stock 0 0.00 1,499
2023-08-25 Quinn Michael J. Director / Officer F-InKind D Common Stock 3,757 6.92 26.0K 40,619
2023-08-25 Morgan-D'Amelio Karen E. Officer F-InKind D Common Stock 570 6.92 3.9K 2,966
2023-08-25 McDermott Michael J. Officer F-InKind D Common Stock 1,174 6.92 8.1K 8,500
2023-08-25 McCardle James T. III Officer F-InKind D Common Stock 1,174 6.92 8.1K 8,515
2023-08-25 Dwyer Francis X. Officer F-InKind D Common Stock 380 6.92 2.6K 2,858
2023-08-25 Bronzi Philip J Officer F-InKind D Common Stock 490 6.92 3.4K 5,046
2023-08-25 Bloom Jamie J. Officer F-InKind D Common Stock 1,174 6.92 8.1K 2,869
2023-05-26 Dwyer Francis X. Officer I-Discretionary D Common Stock 9,059 6.61 59.9K 317
2023-03-01 Morgan-D'Amelio Karen E. Officer S-Sale D Common Stock 600 9.35 5.6K 3,536
2023-02-28 Morgan-D'Amelio Karen E. Officer S-Sale D Common Stock 725 9.34 6.8K 4,136
2022-09-12 Bloom Jamie J. Officer S-Sale D Common Stock 3,000 9.30 27.9K 4,043
2022-08-25 Quinn Michael J. Officer F-InKind D Common Stock 3,757 9.58 36.0K 44,376
2022-08-25 Morgan-D'Amelio Karen E. Officer F-InKind D Common Stock 570 9.58 5.5K 4,861
2022-08-25 McDermott Michael J. Officer F-InKind D Common Stock 1,174 9.58 11.2K 9,674
2022-08-25 McCardle James T. III Officer F-InKind D Common Stock 1,162 9.58 11.1K 9,689
2022-08-25 Dwyer Francis X. Officer F-InKind D Common Stock 380 9.58 3.6K 3,238
2022-08-25 Bronzi Philip J Officer F-InKind D Common Stock 490 9.58 4.7K 5,536
2022-08-25 Bloom Jamie J. Officer F-InKind D Common Stock 1,174 9.58 11.2K 7,043
2022-05-13 Bloom Jamie J. Officer S-Sale D Common Stock 2,609 9.59 25.0K 8,217
2022-04-25 Dwyer Francis X. Officer I-Discretionary D Common Stock 2,643 9.96 26.3K 7,857
2022-02-17 Quinn Michael J. Director / Officer P-Purchase A Common Stock 1,000 10.88 10.9K 1,000
2021-08-25 Quinn Michael J. Director / Officer F-InKind D Common Stock 3,757 10.75 40.4K 48,133
2021-08-25 Morgan-D'Amelio Karen E. Officer F-InKind D Common Stock 569 10.75 6.1K 5,431
2021-08-25 McDermott Michael J. Officer F-InKind D Common Stock 1,152 10.75 12.4K 10,848
2021-08-25 McCardle James T. III Officer F-InKind D Common Stock 1,149 10.75 12.4K 10,851
2021-08-25 Malone Mark D. Officer D Stock Options 7,000 6.57 46.0K 0
2021-08-25 Lekanides Phillip Officer D Stock Options 2,000 6.57 13.1K 0
2021-08-25 Irwin William C. Director M-Exempt A Common Stock 5,455 6.57 35.8K 27,663
2021-08-25 Dwyer Francis X. Officer F-InKind D Common Stock 382 10.75 4.1K 3,618
2021-08-25 Bronzi Philip J Officer D Stock Options 7,000 6.57 46.0K 0
2021-08-25 Bloom Jamie J. Officer F-InKind D Common Stock 1,174 10.75 12.6K 10,826
2021-04-27 Bronzi Philip J Officer D Common Stock 0 0.00 6,500
2020-11-24 Massie Timmian Officer A-Award A Stock Options 15,000 7.90 118.5K 15,000
2020-10-19 Massie Timmian Officer D Common Stock 0 0.00 0
2020-09-10 Quinn Michael J. Director / Officer P-Purchase A Common Stock 990 6.40 6.3K 51,980
2020-09-08 Tumolo Louis Jr. Director P-Purchase A Common Stock 100 6.38 637.50 23,228
2020-08-31 Quinn Michael J. Director / Officer P-Purchase A Common Stock 100 6.80 680.00 10,100
2020-08-28 Howell Steven E Director P-Purchase A Common Stock 300 6.85 2.1K 5,000
2020-08-25 Tumolo Louis Jr. Director A-Award A Common Stock 8,728 0.00 22,218
2020-08-25 Quinn Michael J. Director / Officer A-Award A Stock Options 95,100 6.52 620.1K 95,100 D
2020-08-25 Morgan-D'Amelio Karen E. Officer A-Award A Stock Options 22,000 6.52 143.4K 22,000 D
2020-08-25 McDermott Michael J. Officer A-Award A Stock Options 28,000 6.52 182.6K 28,000 D
2020-08-25 McCardle James T. III Officer A-Award A Stock Options 28,000 6.52 182.6K 28,000
2020-08-25 Loughlin Suzanne Director A-Award A Stock Options 16,365 6.52 106.7K 16,365 D
2020-08-25 LaFrance Shannon Martin Director A-Award A Common Stock 8,728 0.00 21,728
2020-08-25 Irwin William C. Director A-Award A Stock Options 16,365 6.52 106.7K 16,365 D
2020-08-25 Howell Steven E Director A-Award A Stock Options 16,365 6.52 106.7K 16,365
2020-08-25 Garcia Freddimir Director A-Award A Stock Options 16,365 6.52 106.7K 16,365
2020-08-25 Dwyer Francis X. Officer A-Award A Stock Options 22,000 6.57 144.5K 22,000 D
2020-08-25 Chestney Christopher W. Director A-Award A Stock Options 16,365 6.57 107.5K 16,365
2020-08-25 Bloom Jamie J. Officer A-Award A Stock Options 28,000 6.52 182.6K 28,000
2020-08-25 Beeler Donald E. Jr. Director A-Award A Stock Options 16,365 6.52 106.7K 16,365 D
2020-08-25 Battenfeld Frederick L. Director A-Award A Common Stock 8,728 0.00 23,728
2020-08-05 Irwin William C. Director P-Purchase A Common Stock 100 6.81 681.00 11,113
2020-06-30 Tumolo Louis Jr. Director P-Purchase A Common Stock 1,000 6.60 6.6K 23,128
2020-06-04 Chestney Christopher W. Director S-Sale D Common Stock 550 6.91 3.8K 15,950
2020-06-03 Quinn Michael J. Director / Officer P-Purchase A Common Stock 700 6.90 4.8K 12,500
2020-05-27 Chestney Christopher W. Director P-Purchase A Common Stock 750 6.75 5.1K 16,500
2020-05-15 Quinn Michael J. Director / Officer P-Purchase A Common Stock 900 7.50 6.8K 11,800
2020-05-14 Quinn Michael J. Director / Officer P-Purchase A Common Stock 100 6.90 690.00 10,900
2020-05-07 Irwin William C. Director P-Purchase A Common Stock 1,300 7.50 9.8K 8,979
2020-03-13 Tumolo Louis Jr. Director P-Purchase A Common Stock 400 8.90 3.6K 13,400
2020-03-12 Chestney Christopher W. Director P-Purchase A Common Stock 750 9.36 7.0K 15,750
2020-03-11 Tumolo Louis Jr. Director P-Purchase A Common Stock 2,000 9.80 19.6K 13,000
2020-03-11 Quinn Michael J. Director / Officer P-Purchase A Common Stock 1,000 9.65 9.7K 10,800
2020-03-06 Tumolo Louis Jr. Director P-Purchase A Common Stock 1,000 10.20 10.2K 11,000
2020-03-05 Quinn Michael J. Director / Officer P-Purchase A Common Stock 59 10.20 601.80 9,359
2020-03-04 Quinn Michael J. Director / Officer P-Purchase A Common Stock 200 10.29 2.1K 8,800
2020-03-03 Quinn Michael J. Director / Officer P-Purchase A Common Stock 500 10.35 5.2K 8,100
2020-03-02 Quinn Michael J. Director / Officer P-Purchase A Common Stock 100 10.49 1.0K 7,600
2019-01-17 Dwyer Francis X. Officer P-Purchase A Common Stock 250 11.71 2.9K 250
2019-01-16 Tumolo Louis Jr. Director D Common Stock 0 0.00 10,000
2019-01-16 Rhinebeck Bancorp, MHC 10% Owner D Common Stock 0 0.00 6,345,975
2019-01-16 Quinn Michael J. Director / Officer I Common Stock 0 0.00 10,000
2019-01-16 Morgan-D'Amelio Karen E. Officer I Common Stock 0 0.00 5,000
2019-01-16 McDermott Michael J. Officer I Common Stock 0 0.00 15,000
2019-01-16 McCardle James T. III Officer I Common Stock 0 0.00 10,000
2019-01-16 Loughlin Suzanne Director D Common Stock 0 0.00 15,000
2019-01-16 LaFrance Shannon Martin Director D Common Stock 0 0.00 13,000
2019-01-16 Irwin William C. Director D Common Stock 0 0.00 7,480
2019-01-16 Garcia Freddimir Director D Common Stock 0 0.00 0
2019-01-16 Dwyer Francis X. Officer I Common Stock 0 0.00 8,135
2019-01-16 Chestney Christopher W. Director D Common Stock 0 0.00 15,000
2019-01-16 Bloom Jamie J. Officer I Common Stock 0 0.00 2,325
2019-01-16 Beeler Donald E. Jr. D Common Stock 0 0.00 0
2019-01-16 Battenfeld Frederick L. Director D Common Stock 0 0.00 15,000

Executive team

Top executives
EBIT / Employee
80.8K
Shares Outstanding
11.10M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2025 Michael J. Quinn Former President and Chief Executive Officer 565.0K 159.3K 110.7K 835.1K 0.00%
2 2025 Jamie J. Bloom Chief Operating Officer 403.7K 139.2K 34.2K 577.2K 0.00%
3 2025 Kevin Nihill Chief Financial Officer 370.8K 127.8K 18.1K 516.8K 0.00%
4 2025 Matthew J. Smith President and Chief Executive Officer 105.4K 100.0K 7.00 205.4K 0.00%
5 2024 Michael J. Quinn President and Chief Executive Officer 565.0K 22.6K 101.0K 688.6K 0.00%
6 2024 Michael J. Quinn Former President and Chief Executive Officer 565.0K 22.6K 101.0K 688.6K 0.00%
7 2024 Jamie J. Bloom Chief Operating Officer 392.0K 11.8K 28.0K 431.7K 0.00%
8 2024 Kevin Nihill Chief Financial Officer 173.2K 100.0K 119.1K 3.5K 395.8K 30.09%
9 2023 Michael J. Quinn, President and Chief Executive Officer 543.3K 21.7K 42.6K 661.2K 0.00%
10 2023 Michael J. Quinn Former President and Chief Executive Officer 543.3K 21.7K 96.2K 661.2K 0.00%
11 2023 Michael J. Quinn President and Chief Executive Officer 543.3K 21.7K 96.2K 661.2K 0.00%
12 2023 Jamie J. Bloom Chief Operating Officer 376.9K 11.3K 23.9K 412.1K 0.00%
13 2023 Michael J. McDermott Chief Financial Officer 287.7K 8.6K 25.8K 322.1K 0.00%
14 2022 Michael J. Quinn President and Chief Executive Officer 543.3K 120.2K 91.0K 754.5K 0.00%
15 2022 Michael J. Quinn, President and Chief Executive Officer 543.3K 120.2K 39.7K 754.5K 0.00%
16 2022 Jamie J. Bloom Chief Operating Officer 337.1K 60.5K 24.4K 422.1K 0.00%
17 2022 Michael J. McDermott Chief Financial Officer 276.6K 54.8K 26.0K 357.3K 0.00%
18 2021 Michael J. Quinn, President and Chief Executive Officer 543.3K 127.8K 48.1K 767.7K 0.00%
19 2021 Jamie J. Bloom Chief Operating Officer 337.1K 53.7K 28.6K 419.4K 0.00%
20 2021 Michael J. McDermott Chief Financial Officer 276.6K 42.4K 31.1K 350.1K 0.00%
21 2020 Michael J. Quinn President and Chief Executive Officer 439.2K 252.3K 156.9K 75.1K 49.5K 1.02M 40.11%
22 2020 Michael J. Quinn, President and Chief Executive Officer 439.2K 252.3K 156.9K 75.1K 49.5K 1.02M 40.11%
23 2020 Jamie J. Bloom Chief Operating Officer 267.9K 78.8K 46.2K 39.7K 30.4K 463.0K 27.01%
24 2020 Jamie J. Bloom Senior Vice President and Chief Operating Officer 267.9K 78.8K 46.2K 39.7K 30.4K 463.0K 27.01%
25 2020 Michael J. McDermott Chief Financial Officer 229.4K 78.8K 46.2K 31.4K 32.0K 417.8K 29.92%
26 2020 Michael J. McDermott Senior Vice President and Chief Financial Officer 229.4K 78.8K 46.2K 31.4K 32.0K 417.8K 29.92%
27 2019 Michael J. Quinn President and Chief Executive Officer 426.4K 129.4K 38.0K 638.8K 0.00%
28 2019 Jamie J. Bloom Senior Vice President and Chief Operating Officer 249.9K 62.2K 21.7K 333.8K 0.00%
29 2019 Michael J. McDermott Senior Vice President and Chief Financial Officer 217.1K 52.4K 20.2K 289.7K 0.00%
30 2018 Michael J. Quinn President and Chief Executive Officer 418.0K 149.3K 37.8K 648.4K 0.00%
31 2018 Jamie J. Bloom Senior Vice President and Chief Operating Officer 245.0K 61.0K 18.2K 324.2K 0.00%
32 2018 Michael J. McDermott Senior Vice President and Chief Financial Officer 212.9K 54.2K 18.9K 286.0K 0.00%
33 2017 Michael J. Quinn President and Chief Executive Officer 418.0K 33.4K 37.7K 664.1K 0.00%
34 2017 Jamie J. Bloom Senior Vice President and Chief Operating Officer 245.0K 31.9K 17.8K 294.6K 0.00%
35 2017 Michael J. McDermott Senior Vice President and Chief Financial Officer 212.9K 13.3K 16.6K 242.8K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-04-15 DEF 14A
2025-04-15 DEF 14A
2024-04-18 DEFA14A
2024-04-15 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-28 4
2026-05-28 4
2026-05-28 4
2026-05-28 4
2026-05-28 4
2026-05-28 4
2026-05-28 4
2026-05-28 4
2026-05-28 4
2026-05-28 4

Executive team

NameTitleCompensationGender
Matthew J. Smith President, Chief Executive Officer & Director 638.0K male
Jamie J. Bloom Executive VP & COO 577.2K female
Kevin Nihill Executive VP, CFO & Treasurer 516.8K male
James T. McCardle Executive VP and Chief Credit & Risk Officer 241.6K male
Phillip Lekanides Vice President, Controller & Principal Accounting Officer male
Dawn Scherer Senior Vice President of Information Technology female
Richard Kolosky Senior Vice President of Commercial & Team Leader - Hudson Valley West male
Jeanine Borko Senior Vice President of Human Resources
Megan Bourgoin Vice President, Compliance Officer & Assistant Secretary
Peter Saridakis Senior Vice President of Marketing
ESG Rating
B
BANKS - REGIONAL
Rank: 177 out of 431
2026
E (Environmental)
61.1 / 64.3
Company / Sector avg.
S (Social)
62.3 / 76.5
Company / Sector avg.
G (Governance)
72.7 / 75.5
Company / Sector avg.
ESG Total
65.4 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits