Sierra Bancorp (NASDAQ:BSRR – Get Free Report) and Rhinebeck Bancorp (NASDAQ:RBKB – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, risk, analyst recommendations, profitability, institutional ownership, dividends and earnings.
Volatility & Risk
Sierra Bancorp has a beta of 0.76, suggesting that its stock price is 24% less volatile than the S&P 500. Comparatively, Rhinebeck Bancorp has a beta of 0.16, suggesting that its stock price is 84% less volatile than the S&P 500.
Valuation and Earnings
This table compares Sierra Bancorp and Rhinebeck Bancorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Sierra Bancorp | $201.98 million | 2.55 | $42.33 million | $3.42 | 11.63 |
| Rhinebeck Bancorp | $75.84 million | 2.62 | $10.05 million | $0.71 | 17.87 |
Sierra Bancorp has higher revenue and earnings than Rhinebeck Bancorp. Sierra 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 Ratings
This is a summary of current ratings and recommmendations for Sierra Bancorp and Rhinebeck Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Sierra Bancorp | 0 | 3 | 2 | 0 | 2.40 |
| Rhinebeck Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Sierra Bancorp presently has a consensus price target of $38.67, suggesting a potential downside of 2.77%. Given Sierra Bancorp’s higher probable upside, equities research analysts clearly believe Sierra Bancorp is more favorable than Rhinebeck Bancorp.
Institutional & Insider Ownership
55.4% of Sierra Bancorp shares are owned by institutional investors. Comparatively, 23.9% of Rhinebeck Bancorp shares are owned by institutional investors. 11.8% of Sierra Bancorp shares are owned by company insiders. Comparatively, 3.0% of Rhinebeck Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Profitability
This table compares Sierra Bancorp and Rhinebeck Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Sierra Bancorp | 22.37% | 12.38% | 1.20% |
| Rhinebeck Bancorp | 12.99% | 7.20% | 0.73% |
Summary
Sierra Bancorp beats Rhinebeck Bancorp on 11 of the 14 factors compared between the two stocks.
About Sierra Bancorp
Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; online and automated telephone banking services; and remote deposit capture and automated payroll services for business customers. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.
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.
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