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ECF vs RBKB

ECF
Ellsworth Growth and Income Fund Ltd.
BULLISH
Price
$12.42
Market Cap
$169.8M
Sector
Financial Services
AI Confidence
75%
RBKB
Rhinebeck Bancorp, Inc.
NEUTRAL
Price
$15.37
Market Cap
$171.4M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
ECF
3.47
RBKB
16.71
Forward P/E
ECF
--
RBKB
--
P/B Ratio
ECF
0.95
RBKB
1.22
P/S Ratio
ECF
30.24
RBKB
3.32
EV/EBITDA
ECF
--
RBKB
--

Profitability

Gross Margin
ECF
100.0%
RBKB
0.0%
Operating Margin
ECF
65.22%
RBKB
23.91%
Profit Margin
ECF
866.87%
RBKB
19.43%
ROE
ECF
25.33%
RBKB
7.77%
ROA
ECF
1.19%
RBKB
0.79%

Growth

Revenue Growth
ECF
-3.7%
RBKB
96.9%
Earnings Growth
ECF
270.4%
RBKB
--

Financial Health

Debt/Equity
ECF
--
RBKB
--
Current Ratio
ECF
1.41
RBKB
--
Quick Ratio
ECF
1.37
RBKB
--

Dividends

Dividend Yield
ECF
6.12%
RBKB
--
Payout Ratio
ECF
16.48%
RBKB
0.0%

AI Verdict

ECF BULLISH

ECF exhibits a stable financial profile with a Piotroski F-Score of 5/9 and extreme fundamental undervaluation. The stock trades at a significant discount to its Graham Number ($32.46) and Intrinsic Value ($105.61), supported by a very low P/E of 3.47 and a Price/Book ratio of 0.95. While insider sentiment is bearish and technical trends are weak, the strong ROE of 25.33% and a highly sustainable dividend payout ratio of 16.48% suggest a compelling value opportunity.

Strengths
Extreme valuation discount (P/E 3.47, P/B 0.95)
Strong Return on Equity (ROE) of 25.33%
Highly sustainable dividend payout ratio (16.48%)
Risks
Bearish insider activity with consistent selling by 10% owners
Very weak technical trend score (10/100)
Negative revenue growth (-3.70% YoY)
RBKB NEUTRAL

RBKB presents a conflicting profile with a stable Piotroski F-Score of 4/9 and a current price ($15.37) trading near its Graham Number ($16.15), suggesting defensive fair value. However, the stock is significantly overvalued relative to its growth-based intrinsic value of $6.44. While revenue growth is explosive at 96.9% YoY, this is offset by a severely bearish technical trend (10/100) and negative insider sentiment. The company is currently in a transition phase where strong historical price performance is meeting immediate technical resistance.

Strengths
Exceptional YoY revenue growth of 96.90%
Current price is aligned with the Graham Number ($16.15)
Reasonable Price-to-Book ratio of 1.22
Risks
Severe technical breakdown (Technical Trend score: 10/100)
Significant premium over growth-based intrinsic value ($6.44)
Bearish insider activity with recent selling and zero buying

Compare Another Pair

ECF vs RBKB: Head-to-Head Comparison

This page compares Ellsworth Growth and Income Fund Ltd. (ECF) and Rhinebeck Bancorp, Inc. (RBKB) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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