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GBank Financial Holdings Inc. (GBFH) vs Rhinebeck Bancorp, Inc. (RBKB)

GBank Financial Holdings Inc. and Rhinebeck Bancorp, Inc. are both Banks Regional companies. GBank Financial Holdings Inc. is the larger, with a market value of $224.3M against $203.3M — 1.1× the size. GBank Financial Holdings Inc. trades at the lower P/E: 12.0× against 18.1×. Rhinebeck Bancorp, Inc. grew revenue faster over the last twelve months: 34.3% against 20.0%. GBank Financial Holdings Inc. has the higher net margin (15.4% vs 13.0%) and the higher return on invested capital (23.9% vs 0.00%). Across the 16 metrics below, GBank Financial Holdings Inc. leads on 10 and Rhinebeck Bancorp, Inc. on 6.

Valuation

Metric GBFH RBKB Banks Regional median
P/E 12.02 18.06 12.02
P/S 1.87 1.85 2.36
P/B 1.30 1.01 1.23
Price to free cash flow 7.22 10.55 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.32% 5.54% 8.21%
Free cash flow yield 13.84% 9.48% 9.23%

Profitability

Metric GBFH RBKB Banks Regional median
Gross margin 68.90% 70.48% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.44% 12.99% 18.82%
Free cash flow margin 25.93% 17.56% 17.97%
Return on equity 11.39% 7.35% 10.28%
Return on assets 1.39% 0.72% 1.13%
Return on invested capital 23.93% 0.00% 8.45%

Growth

Metric GBFH RBKB Banks Regional median
Revenue growth (TTM) 19.95% 34.27% 6.37%
EPS growth (last fiscal year) 5.11% 215.01% 18.85%
Revenue growth, 5-year CAGR — 7.55% 12.65%
Net income growth, 5-year CAGR — 11.17% 9.81%

Health

Metric GBFH RBKB Banks Regional median
Debt to equity 0.18 0.07 0.17
Current ratio 1.02 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric GBFH RBKB Banks Regional median
Market cap 224.33m 203.27m 934.85m

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