` Comparison: RBKB, PFSI - Alpha Spread

R
RBKB
vs
PFSI

Over the past 12 months, RBKB has outperformed PFSI, delivering a return of +29% compared to the PFSI's +24% growth.

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RBKB
PFSI
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Stocks Compared:
RBKB PFSI
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Valuation Comparison

R
RBKB Intrinsic Value
8.95 USD
Overvaluation 27%
Intrinsic Value
Price
PFSI Intrinsic Value
292.12 USD
Undervaluation 55%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
R
Rhinebeck Bancorp Inc
NASDAQ:RBKB
12.31 USD
PennyMac Financial Services Inc
NYSE:PFSI
130.48 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
RBKB, PFSI

RBKB
PFSI
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
R
Rhinebeck Bancorp Inc
Revenue
PennyMac Financial Services Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
RBKB, PFSI

RBKB
PFSI
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
R
Rhinebeck Bancorp Inc
NASDAQ:RBKB
FCF is not applicable for financial companies
PennyMac Financial Services Inc
NYSE:PFSI
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What is Free Cash Flow?

Gross Margin

RBKB
PFSI
68.1%
LTM 3Y Avg 5Y Avg 10Y Avg
R
Rhinebeck Bancorp Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Operating Margin

RBKB
PFSI
19%
LTM 3Y Avg 5Y Avg 10Y Avg
R
Rhinebeck Bancorp Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Net Margin

RBKB
10.6%
PFSI
17.2%

FCF Margin

RBKB
PFSI
-67.1%
LTM 3Y Avg 5Y Avg 10Y Avg
R
Rhinebeck Bancorp Inc
Not applicable for financial companies
PennyMac Financial Services Inc

ROE

RBKB
4%
PFSI
12.6%

ROA

RBKB
0.4%
PFSI
2.1%

ROIC

RBKB
PFSI
2.2%
LTM 3Y Avg 5Y Avg 10Y Avg
R
Rhinebeck Bancorp Inc
Not applicable for financial companies
PennyMac Financial Services Inc

ROCE

RBKB
PFSI
3.7%
LTM 3Y Avg 5Y Avg 10Y Avg
R
Rhinebeck Bancorp Inc
Not applicable for financial companies
PennyMac Financial Services Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
RBKB, PFSI

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RBKB
PFSI
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Performance Gap
RBKB, PFSI

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RBKB
PFSI
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
RBKB, PFSI

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PFSI
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