Rhinebeck Bancorp (NASDAQ:RBKB – Get Free Report) and Park National (NYSE:PRK – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, dividends, institutional ownership, valuation, risk, analyst recommendations and earnings.
Analyst Ratings
This is a breakdown of current recommendations and price targets for Rhinebeck Bancorp and Park National, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Rhinebeck Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| Park National | 0 | 5 | 0 | 0 | 2.00 |
Park National has a consensus target price of $200.50, indicating a potential upside of 10.36%. Given Park National’s higher possible upside, analysts clearly believe Park National is more favorable than Rhinebeck Bancorp.
Volatility and Risk
Profitability
This table compares Rhinebeck Bancorp and Park National’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% |
| Park National | 23.46% | 12.31% | 1.50% |
Insider & Institutional Ownership
23.9% of Rhinebeck Bancorp shares are held by institutional investors. Comparatively, 62.7% of Park National shares are held by institutional investors. 3.0% of Rhinebeck Bancorp shares are held by insiders. Comparatively, 2.2% of Park National shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Valuation & Earnings
This table compares Rhinebeck Bancorp and Park National”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 | 18.07 |
| Park National | $623.80 million | 5.26 | $151.42 million | $11.17 | 16.26 |
Park National has higher revenue and earnings than Rhinebeck Bancorp. Park National is trading at a lower price-to-earnings ratio than Rhinebeck Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Park National 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 Park National
Park National Corporation operates as the bank holding company for Park National Bank that provides commercial banking and trust services in small and medium population areas. The company offers deposits for demand, savings, and time accounts; trust and wealth management services; cash management services; safe deposit operations; electronic funds transfers; Internet and mobile banking solutions with bill pay service; credit cards; and various additional banking-related services. It also provides commercial loans, including financing for industrial and commercial properties, financing for equipment, inventory and accounts receivable, acquisition financing, and commercial leasing, as well as for consumer finance companies; commercial real estate loans comprising mortgage loans to developers and owners of commercial real estate; originates financing leases primarily for the purchase of commercial vehicles, operating/manufacturing equipment, and municipal vehicles/equipment; consumer loans, such as automobile loans; consumer finance services; home equity lines of credit; and residential real estate and construction loans, as well as installment loans and commercial loans. In addition, the company offers aircraft financing services; and ParkDirect, a personal banking application. Park National Corporation was founded in 1908 and is headquartered in Newark, Ohio.
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