Head to Head Comparison: Rhinebeck Bancorp (NASDAQ:RBKB) versus C&F Financial (NASDAQ:CFFI)

Rhinebeck Bancorp (NASDAQ:RBKB) and C&F Financial (NASDAQ:CFFI) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their risk, institutional ownership, analyst recommendations, earnings, profitability, dividends and valuation.

Insider and Institutional Ownership

23.9% of Rhinebeck Bancorp shares are held by institutional investors. Comparatively, 37.2% of C&F Financial shares are held by institutional investors. 3.0% of Rhinebeck Bancorp shares are held by insiders. Comparatively, 6.4% of C&F Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Volatility & Risk

Rhinebeck Bancorp has a beta of 0.16, suggesting that its share price is 84% less volatile than the S&P 500. Comparatively, C&F Financial has a beta of 0.32, suggesting that its share price is 68% less volatile than the S&P 500.

Profitability

This table compares Rhinebeck Bancorp and C&F Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Rhinebeck Bancorp	12.99%	7.20%	0.73%
C&F Financial	14.91%	10.72%	1.02%

Valuation & Earnings

This table compares Rhinebeck Bancorp and C&F Financial”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Rhinebeck Bancorp	$75.84 million	2.65	$10.05 million	$0.71	18.10
C&F Financial	$136.42 million	2.45	$26.83 million	$8.96	11.47

C&F Financial has higher revenue and earnings than Rhinebeck Bancorp. C&F Financial 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 Ratings

This is a breakdown of current ratings and recommmendations for Rhinebeck Bancorp and C&F Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Rhinebeck Bancorp	0	0	1	0	3.00
C&F Financial	0	1	2	0	2.67

C&F Financial has a consensus price target of $115.00, suggesting a potential upside of 11.94%. Given C&F Financial’s higher probable upside, analysts clearly believe C&F Financial is more favorable than Rhinebeck Bancorp.

Summary

C&F Financial beats Rhinebeck Bancorp on 11 of the 14 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 C&F Financial

C&F Financial Corp. is a bank holding company, which engages in the provision of banking services to individuals and businesses. It operates through the following segments: Community Banking, Mortgage Banking and Consumer Finance. The Community Banking segment provides checking and savings deposit accounts, business, real estate, development, mortgage, home equity, and installment loans. The Mortgage Banking segment offers ancillary mortgage loan origination services for loan settlement and residential appraisals. The Consumer Finance segment consists of automobile financing through lending programs that are designed to serve customers in the non-prime market who have limited access to traditional automobile financing. The company was founded on March 8, 1994 and is headquartered in Toano, VA.