Rhinebeck Bancorp (NASDAQ:RBKB – Get Rating) and ECB Bancorp (NASDAQ:ECBK – Get Rating) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, risk, dividends, valuation and earnings.
Profitability
This table compares Rhinebeck Bancorp and ECB Bancorp's net margins, return on equity and return on assets.
Get Rhinebeck Bancorp alerts:| Net Margins | Return on Equity | Return on Assets | |
| Rhinebeck Bancorp | 12.84% | 6.28% | 0.54% |
| ECB Bancorp | 8.90% | 2.25% | 0.32% |
Institutional & Insider Ownership
19.8% of Rhinebeck Bancorp shares are owned by institutional investors. Comparatively, 19.8% of ECB Bancorp shares are owned by institutional investors. 4.2% of Rhinebeck Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Earnings & Valuation
This table compares Rhinebeck Bancorp and ECB Bancorp's gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Rhinebeck Bancorp | $54.49 million | 1.52 | $7.00 million | $0.63 | 11.66 |
| ECB Bancorp | $30.55 million | 3.60 | $2.72 million | N/A | N/A |
Rhinebeck Bancorp has higher revenue and earnings than ECB Bancorp.
Analyst Ratings
This is a summary of recent ratings and recommmendations for Rhinebeck Bancorp and ECB Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Rhinebeck Bancorp | 0 | 0 | 0 | 0 | N/A |
| ECB Bancorp | 0 | 0 | 0 | 0 | N/A |
Summary
Rhinebeck Bancorp beats ECB Bancorp on 6 of the 8 factors compared between the two stocks.
About Rhinebeck Bancorp
(Get Rating)
Rhinebeck Bancorp, Inc. operates as a bank holding company, which engages in the provision of banking services. It operates through the following segments: Commercial Real Estate, Residential Real Estate, Commercial and Industrial, and Consumer. The Commercial Estate segment is involved in construction, non-residential, and multi-family. The Residential Real Estate Segment focuses on borrower's residential real estate generally in a first lien position. The Commercial and Industrial segment includes loans made for purposes of financing the activities of commercial customers. The Consumer segment engages in indirect automobile loans, home equity loans, and other consumer loans. The company was founded in August 2018 and is headquartered in Poughkeepsie, NY.
About ECB Bancorp
(Get Rating)
ECB Bancorp, Inc. focuses on operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. It operates through two full-service banking offices located in Everett, Massachusetts and Lynnfield, Massachusetts. The company was founded in 1890 and is based in Everett, Massachusetts.
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