BayFirst Financial Corp. (BAFN) vs Rhinebeck Bancorp, Inc. (RBKB)
BayFirst Financial Corp. and Rhinebeck Bancorp, Inc. are both Banks Regional companies. BayFirst Financial Corp. and Rhinebeck Bancorp, Inc. are of similar size ($200.9M and $192.0M). BayFirst Financial Corp. has negative trailing earnings, so its P/E is not meaningful; Rhinebeck Bancorp, Inc. trades at 17.8×. Rhinebeck Bancorp, Inc. grew revenue faster over the last twelve months: 34.3% against −50.1%. Rhinebeck Bancorp, Inc. has the higher net margin (13.0% vs −86.9%) and the higher return on invested capital (0.00% vs 0.00%). Across the 17 metrics below, Rhinebeck Bancorp, Inc. leads on 11 and BayFirst Financial Corp. on 6.
Valuation
Profitability
| Metric | BAFN | RBKB | Banks Regional median |
|---|---|---|---|
| Gross margin | 49.73% | 70.48% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (86.85%) | 12.99% | 18.66% |
| Free cash flow margin | 205.06% | 17.56% | 21.18% |
| Return on equity | (102.63%) | 7.35% | 10.64% |
| Return on assets | (4.89%) | 0.72% | 1.13% |
| Return on invested capital | 0.00% | 0.00% | 8.33% |
Growth
Health
Dividend
Size
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