Harleysville Savings Financial (OTCMKTS:HARL) and Rhinebeck Bancorp (NASDAQ:RBKB) Head-To-Head Contrast

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

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Rhinebeck Bancorp and Harleysville Savings Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Rhinebeck Bancorp	0	0	1	0	3.00
Harleysville Savings Financial	0	0	0	0	0.00

Valuation & Earnings

This table compares Rhinebeck Bancorp and Harleysville Savings Financial”s top-line 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	2.33	$10.05 million	$0.91	17.36
Harleysville Savings Financial	$43.61 million	2.36	$9.53 million	$3.27	8.81

Rhinebeck Bancorp has higher revenue and earnings than Harleysville Savings Financial. Harleysville Savings 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Rhinebeck Bancorp	13.20%	7.42%	0.77%
Harleysville Savings Financial	24.73%	13.22%	1.30%

Insider and Institutional Ownership

23.9% of Rhinebeck Bancorp shares are held by institutional investors. Comparatively, 1.2% of Harleysville Savings Financial shares are held by institutional investors. 3.0% of Rhinebeck Bancorp shares are held by company insiders. Comparatively, 14.5% of Harleysville Savings Financial shares are held by company 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.

Risk & Volatility

Rhinebeck Bancorp has a beta of 0.16, indicating that its share price is 84% less volatile than the S&P 500. Comparatively, Harleysville Savings Financial has a beta of 0.22, indicating that its share price is 78% less volatile than the S&P 500.

Summary

Harleysville Savings Financial beats Rhinebeck Bancorp on 7 of the 13 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 Harleysville Savings Financial

Harleysville Financial Corporation operates as the bank holding company for Harleysville Bank that provides various banking products and services in Pennsylvania. The company offers various deposit products, including savings, money market, and checking accounts, as well as certificates of deposits. It also provides consumer loans, including residential mortgages, savings account loans, and home equity line of credit, construction, and non-real estate consumer loans; and commercial loans, such as commercial mortgages, line of credit, and commercial business loans. In addition, the company offers online banking and bill payment, mobile and telephone banking, remote deposit, debit cards, automated clearing house processing, sweep accounts, zero balance accounts, employee services, and other cash management services. Further, it provides investment services, such as financial consultation, cash and wealth management, education planning, investment strategy, insurance, retirement and estate planning, financial and goal planning, and asset allocation services, as well as offers investment products, such as fixed and variable annuities, mutual funds, life insurances, stocks and bonds, tax-advantaged investments, long-term care insurances, disability insurances, retirement plans/individual retirement accounts, wrap accounts, and unit investment trusts. Its primary market area includes Montgomery County and Bucks County. The company was formerly known as Harleysville Savings Financial Corporation and changed its name to Harleysville Financial Corporation in May 2017. Harleysville Financial Corporation was founded in 1915 and is headquartered in Harleysville, Pennsylvania.