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Finward Bancorp (FNWD) vs Rhinebeck Bancorp, Inc. (RBKB)

Finward Bancorp and Rhinebeck Bancorp, Inc. are both Banks Regional companies. Finward Bancorp and Rhinebeck Bancorp, Inc. are of similar size ($203.3M and $188.2M). Rhinebeck Bancorp, Inc. trades at the lower P/E: 18.1× against 19.0×. Rhinebeck Bancorp, Inc. grew revenue faster over the last twelve months: 34.3% against 0.15%. Rhinebeck Bancorp, Inc. has the higher net margin (13.0% vs 9.65%) and the lower return on invested capital (0.00% vs 4.41%). Across the 18 metrics below, Rhinebeck Bancorp, Inc. leads on 15 and Finward Bancorp on 3.

Valuation

Metric FNWD RBKB Banks Regional median
P/E 18.99 18.06 12.02
P/S 1.83 1.85 2.36
P/B 1.04 1.01 1.23
Price to free cash flow 10.72 10.55 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.27% 5.54% 8.21%
Free cash flow yield 9.33% 9.48% 9.23%

Profitability

Metric FNWD RBKB Banks Regional median
Gross margin 67.76% 70.48% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.65% 12.99% 18.82%
Free cash flow margin 17.07% 17.56% 17.97%
Return on equity 5.90% 7.35% 10.28%
Return on assets 0.48% 0.72% 1.13%
Return on invested capital 4.41% 0.00% 8.45%

Growth

Metric FNWD RBKB Banks Regional median
Revenue growth (TTM) 0.15% 34.27% 6.37%
EPS growth (last fiscal year) (33.80%) 215.01% 18.85%
Revenue growth, 5-year CAGR 7.69% 7.55% 12.65%
Net income growth, 5-year CAGR (12.68%) 11.17% 9.81%

Health

Metric FNWD RBKB Banks Regional median
Debt to equity 0.36 0.07 0.17
Current ratio 0.88 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWD RBKB Banks Regional median
Dividend yield 1.10% — 2.49%
Payout ratio 0.21 — 0.29

Size

Metric FNWD RBKB Banks Regional median
Market cap 188.16m 203.27m 934.85m

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