Rhinebeck Bancorp (NASDAQ:RBKB) and Southern Missouri Bancorp (NASDAQ:SMBC) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, analyst recommendations, institutional ownership, valuation, risk and profitability.
Earnings & Valuation
This table compares Rhinebeck Bancorp and Southern Missouri Bancorp's top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio |
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Rhinebeck Bancorp | $46.62 million | 2.47 | $5.96 million | N/A | N/A |
Southern Missouri Bancorp | $124.41 million | 2.84 | $27.55 million | $3.00 | 13.10 |
Southern Missouri Bancorp has higher revenue and earnings than Rhinebeck Bancorp.
Volatility & Risk
Rhinebeck Bancorp has a beta of 1.49, indicating that its stock price is 49% more volatile than the S&P 500. Comparatively, Southern Missouri Bancorp has a beta of 0.91, indicating that its stock price is 9% less volatile than the S&P 500.
Institutional and Insider Ownership
14.6% of Rhinebeck Bancorp shares are owned by institutional investors. Comparatively, 49.3% of Southern Missouri Bancorp shares are owned by institutional investors. 1.5% of Rhinebeck Bancorp shares are owned by company insiders. Comparatively, 15.1% of Southern Missouri Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Analyst Ratings
This is a breakdown of recent ratings and target prices for Rhinebeck Bancorp and Southern Missouri Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score |
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Rhinebeck Bancorp | 0 | 0 | 0 | 0 | N/A |
Southern Missouri Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Southern Missouri Bancorp has a consensus price target of $29.00, indicating a potential downside of 26.21%. Given Southern Missouri Bancorp's higher possible upside, analysts clearly believe Southern Missouri Bancorp is more favorable than Rhinebeck Bancorp.
Profitability
This table compares Rhinebeck Bancorp and Southern Missouri Bancorp's net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets |
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Rhinebeck Bancorp | 10.54% | 4.70% | 0.50% |
Southern Missouri Bancorp | 23.68% | 11.67% | 1.22% |
Summary
Southern Missouri Bancorp beats Rhinebeck Bancorp on 10 of the 12 factors compared between the two stocks.