RBKB Rhinebeck Bancorp, Inc. Insider Trading

Director Suzanne Loughlin purchases 12,500 shares for $149,120.00 at RBKB, raising stake +36.4% to 46,828 shares amid -31.4% decline from 52-week high

Suzanne Loughlin, a Director at Rhinebeck Bancorp, executed two separate open-market purchases totaling 12,500 shares for $149,120.00 (blended average $11.93) on 2026-07-22, expanding her holdings by 36.4% from 34,328 to 46,828 shares. The transaction occurred as the stock trades at $12.35, down 31.4% from its 52-week high of $17.99 and down 28.3% over the past 30 days. With net income of $2.2M against modest quarterly revenue of $764.0K and a P/E of 13.88, the company shows profitability, though annual revenue growth stands at -0.6%. A director-level accumulation of this magnitude—adding more than one-third to prior holdings in a single filing—during pronounced downward price action warrants investor attention to the underlying drivers of the stock's recent weakness and whether the director's assessment of intrinsic value diverges from current market pricing.

EVP Michael Vitale buys 5,000 shares of RBKB at $11.94; stock down 28.3% in 30 days, 31.4% from 52-week high.

Michael Vitale, EVP and Head of Community Banking at Rhinebeck Bancorp, purchased 5,000 shares at $11.94 on 2026-07-22, increasing his holdings by 39.7% to 17,580 shares. The transaction occurs amid material recent weakness: the stock has fallen 28.3% over the past 30 days and trades 31.4% below its 52-week high of $17.99. Fundamentally, the company faces headwinds—annual revenue growth is flat at -0.6% year-over-year, though current profitability remains stable with net income of $2.2M on quarterly revenue of $764.0K. The timing of this purchase by a senior banking executive directly after sharp price declines merits tracking, though the absence of comparable prior transaction data limits assessment of whether this pattern reflects consistent insider conviction at this ticker.

Director Nancy Koskey Patzwahl bought 25,000 shares of RBKB at $11.94 on 2026-07-22; 2 other insiders also bought within 14 days in cluster pattern.

Nancy Koskey Patzwahl, a director, purchased 25,000 shares at $11.94, increasing her holdings from 2,270 shares to 27,270 shares—a net change of +1101.3% versus pre-transaction holdings. This transaction occurs within a broader cluster pattern, with 2 other insiders also buying within the past 14 days, suggesting coordinated or parallel conviction among multiple board/management participants. The stock has declined 31.4% from its 52-week high of $17.99 and fallen 28.3% over the past 30 days, yet the insider purchase was executed during this downturn. The company maintains modest fundamentals with annual revenue growth of -0.6% and a P/E of 13.88, so this accumulation by a director during a material price decline warrants tracking of whether the cluster pattern continues and whether subsequent price action validates or contradicts the signal.

RBKB President & CEO purchases 12,425 shares ($149,088.50) in two transactions; 3 other insiders also bought within 14 days

Matthew James Smith purchased 12,425 shares across 2 separate transactions for $149,088.50 at $12.00 on 2026-07-22, increasing his holdings by 52.1% from 23,826 to 36,251 shares. The filing coincides with a cluster buy pattern: 3 other insiders purchased within the past 14 days. However, the stock is trading at $12.35 (current price), down 28.3% over the past 30 days and 31.4% from its 52-week high of $17.99, suggesting these purchases occur after significant recent price deterioration. The company generates $764,000.00 quarterly revenue with $2.2M net income and trades at a P/E of 13.88 with annual revenue growth of -0.6%, indicating a mature bank facing modest headwinds. The synchronized buying by multiple insiders at depressed price levels merits examination of underlying motivations and near-term catalysts.

CFO Kevin M Nihill bought 1,000 shares of RBKB at $9.67 on 2025-11-06; stock down 29.4% from 52-week high

Kevin M Nihill, CFO and Treasurer, purchased 1,000 shares at $9.67 on 2025-11-06, expanding his RBKB holdings from 14,532 to 15,532 shares. The purchase occurs amid significant price pressure: the stock is -29.4% from its 52-week high and down -16.8% over the prior 30 days. His prior buy at RBKB on 2025-02-13 achieved +9.4% returns by the 90-day mark, suggesting prior timing acumen at this ticker. However, the company reported negative full-year net income despite a 4.2% annual revenue growth, indicating earnings challenges that may warrant investor scrutiny of the company's profitability trajectory.

CFO Kevin M. Nihill buys 1,000 shares of RBKB at $10.00; now holds 16,000 shares post-transaction.

CFO Kevin M. Nihill purchased 1,000 shares at $10.00, raising his holdings from 15,000 to 16,000 shares. The transaction occurred at the high end of the 52-week range ($7.40–$10.07), just 0.7% below the 52-week peak. While the stock has gained 3.6% over the past 30 days and 3.8% over 90 days, the company's fundamentals present a mixed picture: quarterly revenue stands at $773.0K with a net loss of $8.1M, and the company trades at a P/E of 24.39 despite negative earnings. The open-market purchase represents a small increase to holdings and occurs in the context of challenging financial metrics that warrant investor scrutiny of the company's operational trajectory.