Rhinebeck Bancorp (NASDAQ:RBKB – Get Free Report) and Flagstar Financial (NYSE:FLG – Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, institutional ownership, profitability, analyst recommendations, risk, valuation and dividends.
Institutional and Insider Ownership
23.9% of Rhinebeck Bancorp shares are held by institutional investors. Comparatively, 67.9% of Flagstar Financial shares are held by institutional investors. 6.4% of Rhinebeck Bancorp shares are held by insiders. Comparatively, 6.4% of Flagstar Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Analyst Ratings
This is a summary of current ratings and recommmendations for Rhinebeck Bancorp and Flagstar Financial, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Rhinebeck Bancorp | 0 | 0 | 0 | 0 | 0.00 |
| Flagstar Financial | 0 | 3 | 3 | 0 | 2.50 |
Valuation & Earnings
This table compares Rhinebeck Bancorp and Flagstar Financial”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Rhinebeck Bancorp | $28.73 million | 3.84 | -$8.62 million | ($0.81) | -12.30 |
| Flagstar Financial | $2.58 billion | 1.77 | -$1.09 billion | ($3.69) | -2.99 |
Rhinebeck Bancorp has higher earnings, but lower revenue than Flagstar Financial. Rhinebeck Bancorp is trading at a lower price-to-earnings ratio than Flagstar Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Rhinebeck Bancorp and Flagstar Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Rhinebeck Bancorp | -15.89% | 3.44% | 0.32% |
| Flagstar Financial | -17.16% | -10.72% | -0.76% |
Risk and Volatility
Rhinebeck Bancorp has a beta of 0.46, suggesting that its stock price is 54% less volatile than the S&P 500. Comparatively, Flagstar Financial has a beta of 1.17, suggesting that its stock price is 17% more volatile than the S&P 500.
Summary
Flagstar Financial beats Rhinebeck Bancorp on 8 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 Flagstar Financial
Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.
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