PCSB Financial (NASDAQ:PCSB) and Rhinebeck Bancorp (NASDAQ:RBKB) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, institutional ownership, earnings, dividends, valuation, analyst recommendations and profitability.

Earnings & Valuation

This table compares PCSB Financial and Rhinebeck Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PCSB Financial $50.48 million 6.90 $6.60 million N/A N/A
Rhinebeck Bancorp N/A N/A N/A N/A N/A

PCSB Financial has higher revenue and earnings than Rhinebeck Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
PCSB Financial 17.75% 3.27% 0.63%
Rhinebeck Bancorp N/A N/A N/A

Dividends

PCSB Financial pays an annual dividend of $0.12 per share and has a dividend yield of 0.6%. Rhinebeck Bancorp does not pay a dividend.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for PCSB Financial and Rhinebeck Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PCSB Financial 0 1 1 0 2.50
Rhinebeck Bancorp 0 0 0 0 N/A

PCSB Financial presently has a consensus target price of $24.00, suggesting a potential upside of 22.64%. Given PCSB Financial’s higher probable upside, research analysts plainly believe PCSB Financial is more favorable than Rhinebeck Bancorp.

Institutional & Insider Ownership

52.9% of PCSB Financial shares are held by institutional investors. 1.8% of PCSB Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

PCSB Financial beats Rhinebeck Bancorp on 9 of the 9 factors compared between the two stocks.

About PCSB Financial

PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. Its deposits products include non-interest bearing demand, NOW, money market, escrow, and savings accounts, as well as time deposits and certificates of deposit. The company also offers commercial real estate, multi-family residential real estate, commercial business, construction, residential mortgage, and consumer loans, as well as home equity lines of credit. It provides its services from executive offices/headquarters and 15 banking offices. The company was founded in 1871 and is headquartered in Yorktown Heights, New York.

About Rhinebeck Bancorp

There is no company description available for Rhinebeck Bancorp Inc.

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