ECB Bancorp, Inc. (ECBK) vs Rhinebeck Bancorp, Inc. (RBKB)

ECB Bancorp, Inc. and Rhinebeck Bancorp, Inc. are both Banks Regional companies. ECB Bancorp, Inc. and Rhinebeck Bancorp, Inc. are of similar size ($203.3M and $188.3M). ECB Bancorp, Inc. trades at the lower P/E: 15.3× against 18.1×. Rhinebeck Bancorp, Inc. grew revenue faster over the last twelve months: 34.3% against 18.6%. ECB Bancorp, Inc. has the higher net margin (13.2% vs 13.0%) and the higher return on invested capital (2.96% vs 0.00%). Across the 17 metrics below, ECB Bancorp, Inc. leads on 10 and Rhinebeck Bancorp, Inc. on 7.

Valuation

Metric ECBK RBKB Banks Regional median
P/E 15.34 18.06 12.02
P/S 2.01 1.85 2.36
P/B 0.97 1.01 1.23
Price to free cash flow 7.78 10.55 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.52% 5.54% 8.21%
Free cash flow yield 12.85% 9.48% 9.23%

Profitability

Metric ECBK RBKB Banks Regional median
Gross margin 44.84% 70.48% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.19% 12.99% 18.82%
Free cash flow margin 25.88% 17.56% 17.97%
Return on equity 6.56% 7.35% 10.28%
Return on assets 0.72% 0.72% 1.13%
Return on invested capital 2.96% 0.00% 8.45%

Growth

Metric ECBK RBKB Banks Regional median
Revenue growth (TTM) 18.64% 34.27% 6.37%
EPS growth (last fiscal year) 95.83% 215.01% 18.85%
Revenue growth, 5-year CAGR 35.93% 7.55% 12.65%
Net income growth, 5-year CAGR 9.84% 11.17% 9.81%

Health

Metric ECBK RBKB Banks Regional median
Debt to equity 1.58 0.07 0.17
Current ratio 1.29 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ECBK RBKB Banks Regional median
Dividend yield — — 2.49%
Payout ratio — — 0.29

Size

Metric ECBK RBKB Banks Regional median
Market cap 188.29m 203.27m 934.85m

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