Bank Of The James Financial Group vs Rhinebeck Bancorp
Bank Of The James Financial Group and Rhinebeck Bancorp are similar in size: $48.7m and $53.4m of revenue in their latest fiscal years. Rhinebeck Bancorp grew faster (85.9% against 9.7%). Rhinebeck Bancorp kept more of each dollar of sales as profit: a net margin of 18.8% against 18.5%.
| Latest fiscal year | Bank Of The James Financial GroupBOTJ, 2025 | Rhinebeck BancorpRBKB, 2025 |
|---|---|---|
| Revenue | $48.7m | $53.4m |
| Revenue growth | 9.7% | 85.9% |
| Net income | $9.0m | $10.0m |
| Operating margin | — | — |
| Net margin | 18.5% | 18.8% |
| Return on equity | 12.5% | 7.8% |
| Free cash flow | $10.5m | $10.9m |
| Cash | $84.5m | $102m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.40 | — |
| Dividend yield | 1.7% | — |
| Share buybacks | — | $95,000 |
| Employees | 175 | 158 |
| Market value | $108m | $145m |
| Price vs our value range | — | — |
| Moat score | 66 (Moderate) | 36 (Weak) |
| Insider trades, 12 months | 16 buys, 0 sales | 8 buys, 4 sales |