First Capital vs Rhinebeck Bancorp
First Capital and Rhinebeck Bancorp are similar in size: $50.6m and $53.4m of revenue in their latest fiscal years. Rhinebeck Bancorp grew faster (85.9% against 16.5%). First Capital kept more of each dollar of sales as profit: a net margin of 32.3% against 18.8%.
| Latest fiscal year | First CapitalFCAP, 2025 | Rhinebeck BancorpRBKB, 2025 |
|---|---|---|
| Revenue | $50.6m | $53.4m |
| Revenue growth | 16.5% | 85.9% |
| Net income | $16.4m | $10.0m |
| Operating margin | — | — |
| Net margin | 32.3% | 18.8% |
| Return on equity | 13.0% | 7.8% |
| Free cash flow | $19.9m | $10.9m |
| Cash | — | $102m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.20 | — |
| Dividend yield | 1.9% | — |
| Share buybacks | $578,000 | $95,000 |
| Employees | 176 | 158 |
| Market value | $213m | $145m |
| Price vs our value range | — | — |
| Moat score | 77 (Strong) | 36 (Weak) |
| Insider trades, 12 months | 0 buys, 0 sales | 8 buys, 4 sales |