Financial Contrast: Rhinebeck Bancorp (RBKB) vs. Its Rivals

Rhinebeck Bancorp (NASDAQ:RBKB) is one of 920 public companies in the “Banks” industry, but how does it contrast to its peers? We will compare Rhinebeck Bancorp to related companies based on the strength of its valuation, profitability, analyst recommendations, dividends, risk, institutional ownership and earnings.

Profitability

This table compares Rhinebeck Bancorp and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Rhinebeck Bancorp	13.41%	7.46%	0.76%
Rhinebeck Bancorp Competitors	15.63%	9.48%	0.93%

Valuation and Earnings

This table compares Rhinebeck Bancorp and its peers top-line revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Rhinebeck Bancorp	$75.84 million	$10.05 million	18.21
Rhinebeck Bancorp Competitors	$9.93 billion	$2.41 billion	18.77

Rhinebeck Bancorp’s peers have higher revenue and earnings than Rhinebeck Bancorp. Rhinebeck Bancorp is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Risk and Volatility

Rhinebeck Bancorp has a beta of 0.16, suggesting that its stock price is 84% less volatile than the S&P 500. Comparatively, Rhinebeck Bancorp’s peers have a beta of 0.61, suggesting that their average stock price is 39% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and target prices for Rhinebeck Bancorp and its peers, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Rhinebeck Bancorp	0	0	1	0	3.00
Rhinebeck Bancorp Competitors	7458	30159	27707	1451	2.35

As a group, “Banks” companies have a potential upside of 17.32%. Given Rhinebeck Bancorp’s peers higher possible upside, analysts clearly believe Rhinebeck Bancorp has less favorable growth aspects than its peers.

Institutional & Insider Ownership

23.9% of Rhinebeck Bancorp shares are owned by institutional investors. Comparatively, 47.9% of shares of all “Banks” companies are owned by institutional investors. 3.0% of Rhinebeck Bancorp shares are owned by insiders. Comparatively, 9.8% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Summary

Rhinebeck Bancorp peers beat Rhinebeck Bancorp on 11 of the 13 factors compared.

Rhinebeck Bancorp Company Profile

Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York. The company offers deposits, including non-interest-bearing demand, interest bearing demand, money market, commercial and personal checking, individual retirement, and saving accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; and other consumer loans consist of home equity loans and lines of credit. In addition, the company offers retail brokerage and advisory services; life insurance services; and invests in mutual funds, annuities, and other assets. Rhinebeck Bancorp, Inc. was founded in 1860 and is headquartered in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. is a subsidiary of Rhinebeck Bancorp, MHC.