Head-To-Head Comparison: Sierra Bancorp (NASDAQ:BSRR) vs. Rhinebeck Bancorp (NASDAQ:RBKB)

Sierra Bancorp (NASDAQ:BSRR) 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 earnings, institutional ownership, risk, analyst recommendations, dividends, valuation and profitability.

Valuation and Earnings

This table compares Sierra Bancorp and Rhinebeck Bancorp”s gross 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	2.59	$42.33 million	$3.42	11.78
Rhinebeck Bancorp	$75.84 million	2.70	$10.05 million	$0.71	18.43

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.

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%

Institutional & Insider Ownership

55.4% of Sierra Bancorp shares are held by institutional investors. Comparatively, 23.9% of Rhinebeck Bancorp shares are held by institutional investors. 11.8% of Sierra Bancorp shares are held by company insiders. Comparatively, 3.0% of Rhinebeck Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current ratings and price targets for Sierra Bancorp and Rhinebeck Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sierra Bancorp	0	3	2	0	2.40
Rhinebeck Bancorp	1	0	0	0	1.00

Sierra Bancorp presently has a consensus target price of $38.67, indicating a potential downside of 4.04%. Given Sierra Bancorp’s stronger consensus rating and higher possible upside, research analysts plainly believe Sierra Bancorp is more favorable than Rhinebeck Bancorp.

Risk and Volatility

Sierra Bancorp has a beta of 0.76, suggesting that its share price is 24% 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.

Summary

Sierra Bancorp beats Rhinebeck Bancorp on 12 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.