Capitol Federal Financial (NASDAQ:CFFN) & Rhinebeck Bancorp (NASDAQ:RBKB) Head-To-Head Survey

Capitol Federal Financial (NASDAQ:CFFN) and Rhinebeck Bancorp (NASDAQ:RBKB) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, earnings, institutional ownership, valuation, risk, analyst recommendations and dividends.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Capitol Federal Financial	19.39%	8.39%	0.89%
Rhinebeck Bancorp	13.41%	7.46%	0.76%

Insider & Institutional Ownership

88.5% of Capitol Federal Financial shares are owned by institutional investors. Comparatively, 23.9% of Rhinebeck Bancorp shares are owned by institutional investors. 2.8% of Capitol Federal Financial shares are owned by insiders. Comparatively, 3.0% of Rhinebeck Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Risk & Volatility

Capitol Federal Financial has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500. Comparatively, Rhinebeck Bancorp has a beta of 0.16, suggesting that its share price is 84% less volatile than the S&P 500.

Valuation & Earnings

This table compares Capitol Federal Financial and Rhinebeck Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Capitol Federal Financial	$445.56 million	2.38	$68.03 million	$0.69	12.22
Rhinebeck Bancorp	$75.84 million	2.67	$10.05 million	$0.71	18.21

Capitol Federal Financial has higher revenue and earnings than Rhinebeck Bancorp. Capitol Federal Financial 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 recommendations and price targets for Capitol Federal Financial and Rhinebeck Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Capitol Federal Financial	0	3	1	1	2.60
Rhinebeck Bancorp	0	0	1	0	3.00

Capitol Federal Financial currently has a consensus target price of $9.25, suggesting a potential upside of 9.73%. Given Capitol Federal Financial’s higher probable upside, research analysts plainly believe Capitol Federal Financial is more favorable than Rhinebeck Bancorp.

Summary

Capitol Federal Financial beats Rhinebeck Bancorp on 9 of the 14 factors compared between the two stocks.

About Capitol Federal Financial

Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, construction loans, and small business loans, as well as consumer loans, which include home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; credit cards; mortgage loan; operates a call center; and invests in various securities. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, and a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

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.