Contrasting Rhinebeck Bancorp (NASDAQ:RBKB) & Fidelity D&D Bancorp (NASDAQ:FDBC)

Rhinebeck Bancorp (NASDAQ:RBKB) and Fidelity D&D Bancorp (NASDAQ:FDBC) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, dividends, analyst recommendations, profitability and earnings.

Profitability

This table compares Rhinebeck Bancorp and Fidelity D&D Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Rhinebeck Bancorp	12.99%	7.24%	0.76%
Fidelity D&D Bancorp	21.12%	12.88%	1.10%

Risk and Volatility

Rhinebeck Bancorp has a beta of 0.15, suggesting that its share price is 85% less volatile than the S&P 500. Comparatively, Fidelity D&D Bancorp has a beta of 0.83, suggesting that its share price is 17% less volatile than the S&P 500.

Institutional & Insider Ownership

23.9% of Rhinebeck Bancorp shares are held by institutional investors. Comparatively, 20.1% of Fidelity D&D Bancorp shares are held by institutional investors. 3.0% of Rhinebeck Bancorp shares are held by company insiders. Comparatively, 20.7% of Fidelity D&D Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Earnings & Valuation

This table compares Rhinebeck Bancorp and Fidelity D&D Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Rhinebeck Bancorp	$75.84 million	2.56	$10.05 million	$0.71	17.51
Fidelity D&D Bancorp	$140.40 million	2.13	$28.20 million	$5.25	9.82

Fidelity D&D Bancorp has higher revenue and earnings than Rhinebeck Bancorp. Fidelity D&D Bancorp is trading at a lower price-to-earnings ratio than Rhinebeck Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Rhinebeck Bancorp and Fidelity D&D Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Rhinebeck Bancorp	0	0	1	0	3.00
Fidelity D&D Bancorp	0	1	0	0	2.00

Summary

Fidelity D&D Bancorp beats Rhinebeck Bancorp on 8 of the 13 factors compared between the two stocks.

About Rhinebeck Bancorp

Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York. The company offers deposits, including non-interest-bearing demand, interest bearing demand, money market, commercial and personal checking, individual retirement, and saving accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; and other consumer loans consist of home equity loans and lines of credit. In addition, the company offers retail brokerage and advisory services; life insurance services; and invests in mutual funds, annuities, and other assets. Rhinebeck Bancorp, Inc. was founded in 1860 and is headquartered in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. is a subsidiary of Rhinebeck Bancorp, MHC.

About Fidelity D&D Bancorp

Fidelity D&D Bancorp, Inc. is a holding company, which engages in the provision of commercial banking services. It operates through the following segments: Commercial and Industrial, Commercial Real Estate, Consumer, and Residential Real Estate. The Commercial and Industrial segment refers to identified historic and/or the projected cash flows of the borrower and secondarily to the underlying collateral provided by the borrower. The Commercial Real Estate segment offers finances purchase of real estate, refinance existing obligations, and/or to provide capital. The Consumer segment includes home equity installment loans and lines of credit. The Residential Real Estate segment operates as a secured first lien position of the borrower’s residential real estate. The company was founded in 1902 and is headquartered in Dunmore, PA.