Hanover Bancorp, Inc. (HNVR) vs Rhinebeck Bancorp, Inc. (RBKB)

Hanover Bancorp, Inc. and Rhinebeck Bancorp, Inc. are both Banks Regional companies. Hanover Bancorp, Inc. and Rhinebeck Bancorp, Inc. are of similar size ($200.9M and $183.9M). Rhinebeck Bancorp, Inc. trades at the lower P/E: 17.8× against 20.9×. Rhinebeck Bancorp, Inc. grew revenue faster over the last twelve months: 34.3% against −4.37%. Rhinebeck Bancorp, Inc. has the higher net margin (13.0% vs 6.55%) and the lower return on invested capital (0.00% vs 8.61%). Across the 19 metrics below, Rhinebeck Bancorp, Inc. leads on 11 and Hanover Bancorp, Inc. on 8.

Valuation

Metric HNVR RBKB Banks Regional median
P/E 20.87 17.83 12.15
P/S 1.36 1.83 2.37
P/B 0.97 1.00 1.21
Price to free cash flow 7.35 10.42 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.60 (2.05) 2.27
Earnings yield 4.79% 5.61% 8.11%
Free cash flow yield 13.61% 9.60% 8.98%

Profitability

Metric HNVR RBKB Banks Regional median
Gross margin 53.37% 70.48% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.55% 12.99% 18.66%
Free cash flow margin 18.47% 17.56% 21.18%
Return on equity 4.72% 7.35% 10.64%
Return on assets 0.40% 0.72% 1.13%
Return on invested capital 8.61% 0.00% 8.33%

Growth

Metric HNVR RBKB Banks Regional median
Revenue growth (TTM) (4.37%) 34.27% 6.61%
EPS growth (last fiscal year) (39.76%) 215.01% —
Revenue growth, 5-year CAGR 28.13% 7.55% 12.30%
Net income growth, 5-year CAGR (7.64%) 11.17% 9.71%

Health

Metric HNVR RBKB Banks Regional median
Debt to equity 0.17 0.07 0.22
Current ratio 1.03 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HNVR RBKB Banks Regional median
Dividend yield 2.27% — 3.75%
Payout ratio — 0.00 0.27

Size

Metric HNVR RBKB Banks Regional median
Market cap 183.86m 200.92m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack