Financial Contrast: Rhinebeck Bancorp (RBKB) vs. Its Rivals
by Mitch Edgeman · The Markets DailyRhinebeck Bancorp (NASDAQ:RBKB – Get Free Report) 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.