RBKB Rhinebeck Bancorp, Inc. Common Stock

XNAS
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Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

RBKB — —
Key stats
About
Industry (SIC)
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED (6036) · industry map
Exchange
XNAS
Market Cap
$0.2B
Employees
165
List Date
2019-01-17
CIK
0001751783
Next Earnings
2026-10-27
Headquarters
Poughkeepsie, NY
Homepage
https://www.rhinebeckbank.com

Rhinebeck Bancorp Inc is the holding company for Rhinebeck Bank, which is a New York-chartered stock savings bank. It provides a full range of banking and financial services to consumer and commercial customers. Financial services, including investment advisory and financial product sales, are offered through a division of the Bank doing business as Rhinebeck Asset Management. The Bank's primary business activity is accepting deposits from the general public and using those funds together with borrowings, to originate commercial real estate loans (which include multi-family real estate loans a…

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan6.18%0.56%4.55%9.31%3.62%-2.84%3.56%
Feb8.33%-1.12%1.93%-4.29%2.71%34.12%6.95%
Mar5.83%-3.33%-17.30%-0.24%-4.19%-2.65%-3.65%
Apr-1.06%-0.59%-1.24%-5.59%4.81%6.38%0.45%
May1.33%-4.13%-4.55%3.52%3.21%-0.12%-0.12%
Jun3.60%-3.75%1.20%-2.24%1.12%5.74%0.94%
Jul0.12%-0.32%0.72%7.86%7.00%-30.94%-2.59%
Aug0.00%0.64%0.00%-2.12%7.82%5.93%2.04%
Sep2.16%2.63%-1.29%14.34%-14.84%0.87%0.65%
Oct0.05%4.10%-8.26%-0.11%-11.59%-0.08%*-2.65%
Nov-1.47%-6.90%-1.25%10.04%9.01%--1.89%
Dec-0.56%-2.36%24.42%-1.43%8.98%--5.81%
Total26.77%-14.09%-5.78%30.42%15.10%5.09%9.58%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $12.89
SMA 50: $12.84
SMA 200: $14.50
Current: $12.91
EMA 12: $12.86
EMA 26: $12.89
MACD: -0.0269 | Signal: 0.0003
BEARISH
ADX (14): 9.72
RANGE
+DI: 19.90
−DI: 19.45

Momentum Oscillators

RSI (14): 50.81
NEUTRAL
Stoch %K: 39.01
Stoch %D: 29.47
Williams %R: -55.56

Volume & Volatility

BB Upper: $13.20
BB Lower: $12.58
NEUTRAL
OBV: 1,958,141
Vol SMA 20: 66,540
Vol ROC: -78.68%
ATR: $0.20
True Range: $0.12
HV 20: 14.9%
HV 30: 14.2%
HV 60: 18.6%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-22T00:00:00 – 2026-10-22T00:00:00
AI Analysis

Click Frenzy-Pro™ for an AI analysis of this ticker.

Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.

News
All RBKB news →

RBKB Options Activity & IV Rank

Loading options activity...
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
ATM — / Wing —
30 DTE / 10d —
— pts EXTREME
ATM — / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis

Risk Metrics

Beta: -0.0118
Alpha: 34.27%
Correlation: -0.0032
R-Squared: 0.0%
Stock Volatility: 47.6%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Negative beta - stock moves opposite to market
Beta & Alpha Over Time
Notable investors who own RBKB
1 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Renaissance Technologies Hedge fund
Jim Simons
$750K
0.00%
#2440 of 3138+78.2%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

RBKB Institutional Ownership (13F)

Latest filings — 2026-09-30

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

47 filers2,493,469 shares$41.05M value
# Filer Shares Value % of Total % of Float Period
1 M3F, Inc. 552,076 $9.56M 23.28% — 2026-06-30
2 Vanguard Capital Management LLC 471,868 $8.17M 19.90% — 2026-06-30
3 AllianceBernstein L.P. 372,139 $5.74M 13.98% — 2026-06-30
4 BlackRock, Inc. Custodian 257,759 $4.46M 10.87% — 2026-06-30
5 Vanguard Group Inc Custodian 238,278 $2.86M 6.98% — 2025-12-31
6 Geode Capital Management, LLC Custodian 106,617 $1.85M 4.50% — 2026-06-30
7 BRIDGEWAY CAPITAL MANAGEMENT, LLC 74,627 $1.29M 3.15% — 2026-06-30
8 Empowered Funds, LLC Custodian 59,627 $1.03M 2.51% — 2026-06-30
9 RENAISSANCE TECHNOLOGIES LLC 43,300 $749.52K 1.83% — 2026-06-30
10 Vanguard Fiduciary Trust Co 37,882 $655.74K 1.60% — 2026-06-30
11 Northern Trust Corp Custodian 36,475 $631.38K 1.54% — 2026-06-30
12 State Street Corp 34,831 $602.92K 1.47% — 2026-06-30
13 Dimensional Fund Advisors LP Custodian 32,186 $557.14K 1.36% — 2026-06-30
14 Vanguard Portfolio Management LLC 31,584 $546.72K 1.33% — 2026-06-30
15 EQUITABLE TRUST CO 32,517 $412.64K 1.01% — 2026-09-30
16 Cerity Partners LLC Custodian 20,052 $347.10K 0.85% — 2026-06-30
17 Bank of New York Mellon Corp Custodian 14,214 $246.04K 0.60% — 2026-06-30
18 Charles Schwab Investment Management, Inc. 11,327 $196.07K 0.48% — 2026-06-30
19 Focused Wealth Management, Inc 10,000 $173.10K 0.42% — 2026-06-30
20 Morgan Stanley Custodian 6,660 $115.28K 0.28% — 2026-06-30
21 RhumbLine Advisers 5,514 $95.44K 0.23% — 2026-06-30
22 NEW YORK STATE COMMON RETIREMENT FUND 5,507 $95.33K 0.23% — 2026-06-30
23 Arax Advisory Partners Custodian 5,043 $87.30K 0.21% — 2026-06-30
24 Russell Investments Group, Ltd. Custodian 4,977 $86.15K 0.21% — 2026-06-30
25 Deutsche Bank AG Custodian 4,586 $79.38K 0.19% — 2026-06-30
# Filer Notional Value % of Total Period
# Filer Notional Value % of Total Period

RBKB Insider Trading (Form 4)

Latest: 2026-08-06
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-08-06 Michael Vitale EVP, Head of Comm Banking Buy (P) +4,834 $12.35 $59.7K EDGAR
2026-08-06 Michael Vitale EVP, Head of Comm Banking Buy (P) +4,834 $12.35 $59.7K EDGAR
2026-07-23 Nancy Koskey Patzwahl Director Buy (P) +25,000 $11.94 $298.5K EDGAR
2026-07-23 Matthew James Smith President & CEO Buy (P) +12,425 $12.00 $149.1K EDGAR
2026-07-23 Michael Vitale EVP, Head of Comm Banking Buy (P) +5,000 $11.94 $59.7K EDGAR
2026-07-23 Suzanne Loughlin Director Buy (P) +12,500 $11.93 $149.1K EDGAR
2026-07-21 Nancy Koskey Patzwahl Director — — — EDGAR
2026-07-21 Matthew James Smith President & CEO — — — EDGAR
2026-07-21 Michael Vitale EVP, Head of Comm Banking — — — EDGAR
2026-07-21 Sharon McGinnis Director — — — EDGAR
2026-07-21 Shannon Martin LaFrance Director Award (A) +2,700 $10.00 $27.0K EDGAR
2026-07-21 Suzanne Loughlin Director — — — EDGAR
2026-07-21 William C. Irwin Director Award (A) +10,000 $10.00 $100.0K EDGAR
2026-07-21 Freddimir Garcia Director Award (A) +500 $10.00 $5.0K EDGAR
2026-07-21 Phillip Lekanides SVP, Chief Accounting Officer Award (A) +1,868 $10.00 $18.7K EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

RBKB Insider Holdings

19 insiders · @ $12.91
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Michael J. Quinn President & CEO 139,076 $1.80M $63.5K 15 2025-09-11
2 William C. Irwin Director 50,937 $657.6K $43.5K 7 2026-07-21
3 Christopher W. Chestney Director 42,337 $546.6K $6.9K 7 2026-07-21
4 Shannon Martin LaFrance Director 35,341 $456.3K $0 4 2026-07-21
5 Suzanne Loughlin Director 34,828 $449.6K $149.1K 5 2026-07-23
6 Kevin M Nihill CFO and Treasurer 33,121 $427.6K $19.7K 7 2026-07-21
7 James T. McCardle III Chief Credit & Risk Officer 32,719 $422.4K -$64.6K 8 2026-07-21
8 Nancy Koskey Patzwahl Director 27,270 $352.1K $298.5K 3 2026-07-23
9 Matthew James Smith President & CEO 26,605 $343.5K $149.1K 3 2026-07-23
10 Michael Vitale EVP, Head of Comm Banking 22,414 $289.4K $179.1K 5 2026-08-06
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

RBKB Board & Officers

As of SEC filings through Aug 6, 2026

Directors 10

Officers 6

Changes in the last 10 years (33)
May 28, 2026James T. McCardle III listed as Chief Credit & Risk Officer (previously Chief Credit Officer) in SEC filings
May 21, 2026Philip J Bronzi reported in an SEC filing no longer being Chief Lending Officer
May 5, 2026Phillip Lekanides listed as SVP, Chief Accounting Officer (previously Acting CFO, VP and Controller) in SEC filings
Apr 13, 2026Michael Vitale became EVP, Head of Comm Banking
Oct 20, 2025Matthew James Smith became a director
Oct 20, 2025Matthew James Smith became President & CEO
Sep 16, 2025The company announced the departure of Michael J. Quinn from the board in an SEC filing
Sep 16, 2025The company announced the departure of Michael J. Quinn as President and CEO in an SEC filing
Apr 15, 2025Sharon McGinnis became a director
Apr 15, 2025Nancy Koskey Patzwahl became a director
Jul 8, 2024Kevin M Nihill became CFO and Treasurer
Jun 1, 2024Phillip Lekanides became Acting CFO, VP and Controller
Jan 31, 2024The company announced the departure of Michael J. McDermott as Chief Financial Officer in an SEC filing
Sep 8, 2023Mark D. Malone became Chief Retail Officer
Apr 27, 2021Philip J Bronzi became Chief Lending Officer
Oct 19, 2020Timmian Massie became Chief Mktg/Pub Aff Ofc
Aug 27, 2020Donald E. Beeler Jr. first listed as a director in an SEC filing
Aug 25, 2020Steven E Howell became a director
Jan 16, 2019William C. Irwin became a director
Jan 16, 2019Suzanne Loughlin became a director
Not reported recently (7)
  • Francis X. Dwyer · Last reported as President of Subsidiary in an SEC filing dated Dec 9, 2024
  • Karen E. Morgan-D'Amelio · Last reported as CRO, Gen. Cnsl and Corp Sec. in an SEC filing dated Dec 2, 2024
  • Frederick L. Battenfeld · Last reported as a director in an SEC filing dated May 21, 2024
  • Louis Tumolo Jr. · Last reported as a director in an SEC filing dated Dec 4, 2023
  • Mark D. Malone · Last reported as Chief Retail Officer in an SEC filing dated Sep 15, 2023
  • Timmian Massie · Last reported as Chief Mktg/Pub Aff Ofc in an SEC filing dated Dec 7, 2020
  • MHC Rhinebeck Bancorp · Last reported as a 10% owner in an SEC filing dated Jan 16, 2019
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
ETF Holders
24 ETFs hold RBKB
24 shown · $11.04M total exposure · 0.00% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.00% $2.6M $74.2B 2026-10-21
2 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $2.4M — 2026-09-30
3 VXF Vanguard Extended Market ETF Vanguard 0.00% $2.2M — 2026-09-30
4 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.01% $1.0M $13.9B 2026-10-21
5 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.04% $1.0M — 2026-06-30
6 VTWO Vanguard Russell 2000 ETF Vanguard 0.00% $675,641 — 2026-09-30
7 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.03% $366,633 $1.2B 2026-10-21
8 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $232,570 — 2026-10-21
9 VTWV Vanguard Russell 2000 Value ETF Vanguard 0.01% $108,068 — 2026-09-30
10 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.00% $96,719 — 2026-10-21
11 DXUV Dimensional US Vector Equity ETF Dimensional 0.00% $57,395 — 2026-10-21
12 RSSL Global X Russell 2000 ETF Global X 0.00% $57,383 — 2026-10-22
13 DFAS Dimensional US Small Cap ETF Dimensional 0.00% $40,321 — 2026-10-21
14 DFAT Dimensional US Targeted Value ETF Dimensional 0.00% $33,688 — 2026-10-21
15 DFSV Dimensional US Small Cap Value ETF Dimensional 0.00% $11,170 — 2026-10-21
16 DFMC Dimensional US Micro Cap ETF Dimensional 0.00% $10,467 — 2026-10-21
17 VTHR Vanguard Russell 3000 ETF Vanguard 0.00% $9,987 — 2026-09-30
18 ITWO ProShares Russell 2000 High Income ETF ProShares 0.00% $6,814 — 2026-10-22
19 URTY ProShares UltraPro Russell2000 ProShares 0.00% $5,211 — 2026-10-22
20 UWM ProShares Ultra Russell2000 ProShares 0.00% $3,452 — 2026-10-22
21 DFAU Dimensional US Core Equity Market ETF Dimensional 0.00% $2,454 $13.0B 2026-10-21
22 HDG ProShares Hedge Replication ETF ProShares 0.00% $142 — 2026-10-22
23 RB ProShares Russell 2000 Dynamic Buffer ETF ProShares 0.01% $78 — 2026-10-22
24 DFSU Dimensional US Sustainability Core 1 ETF Dimensional 0.00% $13 $2.4B 2026-10-21
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.