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Meridian Bank (MRBK) vs Rhinebeck Bancorp, Inc. (RBKB)

Meridian Bank and Rhinebeck Bancorp, Inc. are both Banks Regional companies. Meridian Bank and Rhinebeck Bancorp, Inc. are of similar size ($219.6M and $200.9M). Meridian Bank trades at the lower P/E: 9.9× against 17.9×. Rhinebeck Bancorp, Inc. grew revenue faster over the last twelve months: 34.3% against 0.72%. Rhinebeck Bancorp, Inc. has the higher net margin (13.0% vs 10.6%) and the lower return on invested capital (0.00% vs 8.03%). Across the 18 metrics below, Rhinebeck Bancorp, Inc. leads on 11 and Meridian Bank on 7.

Valuation

Metric MRBK RBKB Banks Regional median
P/E 9.90 17.86 11.98
P/S 1.07 1.83 2.34
P/B 1.07 1.00 1.19
Price to free cash flow 11.76 10.43 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.10% 5.60% 8.23%
Free cash flow yield 8.50% 9.58% 9.08%

Profitability

Metric MRBK RBKB Banks Regional median
Gross margin 63.55% 70.48% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.57% 12.99% 18.66%
Free cash flow margin 9.11% 17.56% 21.11%
Return on equity 11.31% 7.35% 10.65%
Return on assets 0.85% 0.72% 1.13%
Return on invested capital 8.03% 0.00% 8.35%

Growth

Metric MRBK RBKB Banks Regional median
Revenue growth (TTM) 0.72% 34.27% 6.98%
EPS growth (last fiscal year) 30.34% 215.01% 18.88%
Revenue growth, 5-year CAGR 6.56% 7.55% 12.38%
Net income growth, 5-year CAGR (3.75%) 11.17% 9.71%

Health

Metric MRBK RBKB Banks Regional median
Debt to equity 0.24 0.07 0.22
Current ratio 0.98 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MRBK RBKB Banks Regional median
Dividend yield 2.94% — 2.57%
Payout ratio 0.30 — 0.30

Size

Metric MRBK RBKB Banks Regional median
Market cap 219.61m 200.92m 913.33m

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