MS
Morgan Stanley
MS has the edge over RBKB overall, supported by stronger valuation and stronger modeled upside.
RBKB
Rhinebeck Bancorp, Inc.
RBKB offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
RBKB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
RBKB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like RBKB.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
RBKB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $7.36 | -44% |
| Fair | 14x | $9.70 | -26% |
| Current | 19x | $13.08 | — |
| Expensive | 20x | $13.53 | +3.5% |
Historical ranges are pointers, not guarantees.
RBKB has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
RBKB Forward outlook
There aren't enough analyst estimates for RBKB to show an outlook.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over RBKB on earnings, with more consistent year-over-year improvement.
RBKB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $0.68 | +100% |
| Q2 2026 | $0.64 | +$1.02 |
| Q1 2026 | $0.65 | +$1.14 |
| Q4 2025 | $0.66 | +$1.23 |
| Q3 2025 | $0.34 | +$0.68 |
| Q2 2025 | -$0.38 | -236% |
| Q1 2025 | -$0.49 | -258% |
| Q4 2024 | -$0.57 | -297% |
RBKB earned $0.68 per share over the past year, up 100% from the year before.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over RBKB on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over RBKB on profitability, with a higher operating margin.
RBKB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $15.1M | +7.9% |
| Q2 2026 | $13.4M | +2.1% |
| Q1 2026 | $12.7M | -1% |
| Q4 2025 | $13.5M | +69% |
| Q3 2025 | $14M | +1708% |
| Q2 2025 | $13.1M | +23% |
| Q1 2025 | $12.8M | +23% |
| Q4 2024 | $8M | -24% |
RBKB's revenue is growing: $15M last quarter, up 7.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 26% | +2.5 points |
| Q2 2026 | 25% | -1.4 points |
| Q1 2026 | 23% | -0.4 points |
| Q4 2025 | 22% | +64 points |
| Q3 2025 | 24% | +1356 points |
| Q2 2025 | 27% | +15 points |
| Q1 2025 | 23% | +9 points |
| Q4 2024 | -42% | -53 points |
RBKB's operating margin was 26% last quarter, up 2.5 points from the same quarter a year ago.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
RBKB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.9M | -5.1% |
| Q2 2026 | $5.4M | +140% |
| Q1 2026 | $2.9M | -31% |
| Q4 2025 | $2.4M | -25% |
| Q3 2025 | $2M | +$5.7M |
| Q2 2025 | $2.2M | -81% |
| Q1 2025 | $4.2M | +$7.9M |
| Q4 2024 | $3.2M | +$3.3M |
RBKB has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has 1.6B diluted shares, down 1.5% from a year ago.
RBKB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.8% | -279K shares |
| 1 year | -2% | -312K shares |
| 3 years | 0% | -2K shares |
| 5 years | -1.7% | -263K shares |
| Available history | +0.5% | +71.1K shares |
RBKB has the edge over MS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $1.6M |
| Q1 2026 | $220,000 |
| Q3 2023 | $78,000 |
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
RBKB Net Leverage
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
RBKB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.5 | Neutral |
| Stochastic | 82.6 | Overbought |
RBKB's weekly RSI is 63 (neutral) and its Stochastic is 83 (overbought).
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS has the edge over RBKB on valuation relative to its sector.
RBKB PE vs Financial Services Sector
| Metric | RBKB | Sector median | Relative |
|---|---|---|---|
| PE | 19x | 13x | 49% above |
| PE % | 80 | 63 | 17 pts above |
RBKB is trading at 19x earnings, a 49% premium to the Financial Services sector's median of 13x.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
RBKB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $13.0 | 0.8% above |
| 20 week MA | $12.7 | 3% above |
| 50 week MA | $11.4 | 15% above |
| 100 week MA | $9.66 | 35% above |
| 200 week MA | $7.66 | 71% above |
RBKB has the edge over MS on trend strength, trading above more of its moving averages.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.
RBKB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $8.00 | $6.05 | -24% |
| 2021 | $6.05 | $7.66 | +27% |
| 2022 | $7.66 | $6.49 | -15% |
| 2023 | $6.49 | $5.76 | -11% |
| 2024 | $5.76 | $6.89 | +20% |
| 2025 | $6.89 | $8.83 | +28% |
| 2026 YTD | $8.83 | $13.1 | +48% |
RBKB has the edge over MS on returns for 2026, with the stronger performance.