Randolph Bancorp, Inc. (RNDB) Stock Analysis
DELISTED 2022
What happened to Randolph Bancorp, Inc. (RNDB) stock?
Randolph Bancorp, Inc. (RNDB) no longer trades on public markets. It was delisted in October 2022. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Randolph Bancorp, Inc. (RNDB) trades at $27.00. Randolph Bancorp, Inc. , operating as Envision Bank, provides financial services to individuals, families, and businesses in Massachusetts, Rhode Island, and southern New Hampshire. Sector: Financial services.
Last analyzed: Mar 18, 2026Analyst Coverage for RNDB: RNDB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates RNDB against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
RNDB: 1/2 scored disciplines lean bearish.
How is this calculated? →Randolph Bancorp, Inc. (RNDB) Financial Services Profile
Randolph Bancorp, Inc., through Envision Bank, delivers comprehensive financial solutions to individuals and businesses across Massachusetts, Rhode Island, and southern New Hampshire. With a focus on traditional banking services and digital accessibility, the company maintains a strong regional presence amid evolving fintech landscape and competes with other regional banks.
What Is the Investment Thesis for RNDB?
Randolph Bancorp, Inc. presents a mixed investment case. The company's established regional presence and comprehensive service offerings provide a stable foundation, evidenced by a profit margin of 17.8% and a dividend yield of 8.52%. However, its acquisition by Hometown Financial Group in 2022 introduces integration risks and potential strategic shifts. The company's beta of 0.68 suggests lower volatility compared to the market, which could appeal to risk-averse investors. Upcoming growth catalysts include expansion of digital banking services and strategic lending initiatives. Investors should monitor the integration process and Hometown Financial Group's long-term vision for Envision Bank.
Based on FMP financials and quantitative analysis
RNDB Key Highlights
Profit Margin of 17.8% indicates efficient operations and profitability.
- Dividend Yield of 8.52% offers a substantial income stream for investors.
- P/E Ratio of 14.04 suggests the company is reasonably valued compared to its earnings.
- Gross Margin of 100.0% reflects the company's revenue management.
- Beta of 0.68 indicates lower volatility compared to the overall market, potentially appealing to risk-averse investors.
Who Are RNDB's Competitors?
RNDB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BRD Beard Energy Transition Acquisition Corp. | $10.73 | +0.05% | $138M | 44 |
| FNCB FNCB Bancorp, Inc. | $6.75 | +5.30% | $134M | 58 |
| HMNF HMN Financial, Inc. | $27.99 | -2.13% | $125M | 49 |
| LCA Landcadia Holdings IV, Inc. | $10.54 | +0.10% | $143M | 44 |
| MLVF Malvern Bancorp, Inc. | $16.97 | -0.29% | $130M | — |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are RNDB's Key Strengths?
Established regional presence in Massachusetts, Rhode Island, and southern New Hampshire.
- Comprehensive suite of financial products and services.
- Strong focus on customer relationships.
- High Gross Margin of 100.0%.
What Are RNDB's Weaknesses?
Reliance on a limited geographic area.
- Exposure to regional economic fluctuations.
- Increased competition from larger national banks and fintech companies.
- Subsidiary of Hometown Financial Group, Inc. introduces integration risks.
What Could Drive RNDB Stock Higher?
RNDB catalyst: Integration with Hometown Financial Group, Inc. expected to yield operational efficiencies and cost synergies. Timeline: 2026-2027.
- Expansion of digital banking services to attract and retain tech-savvy customers. Timeline: Ongoing.
- Strategic lending initiatives in niche markets, such as small business loans. Timeline: Ongoing.
What Are the Key Risks for RNDB?
Increasing interest rate environment impacting loan profitability. Timeline: Ongoing.
- Regulatory changes affecting the banking industry. Timeline: Ongoing.
- Economic downturn leading to increased loan defaults. Timeline: Ongoing.
- Cybersecurity threats and data breaches. Timeline: Ongoing.
- Integration risks associated with the acquisition by Hometown Financial Group, Inc.
What Are the Growth Opportunities for RNDB?
- Expansion of Digital Banking Services: Randolph Bancorp can capitalize on the increasing demand for digital banking solutions by enhancing its online and mobile platforms. Investing in user-friendly interfaces, secure payment options, and personalized financial management tools can attract and retain tech-savvy customers. The digital banking market is projected to reach $9 trillion by 2028, offering a substantial growth opportunity. Timeline: Ongoing.
- Strategic Lending Initiatives: Randolph Bancorp can focus on niche lending segments, such as small business loans or specialized commercial real estate financing, to drive loan growth and improve yields. By tailoring its lending products to specific market needs and offering competitive rates, the company can attract borrowers and expand its loan portfolio. The small business lending market is estimated at $800 billion annually. Timeline: Ongoing.
- Geographic Expansion within Existing Footprint: Randolph Bancorp can strategically expand its branch network and loan production offices within its existing geographic footprint in Massachusetts, Rhode Island, and southern New Hampshire. By identifying underserved markets and establishing a physical presence, the company can increase its market share and customer base. Timeline: 2026-2028.
- Cross-Selling Opportunities: Randolph Bancorp can leverage its existing customer relationships to cross-sell additional financial products and services, such as insurance, wealth management, and investment products. By offering a comprehensive suite of financial solutions, the company can increase customer loyalty and generate additional revenue streams. Timeline: Ongoing.
- Enhanced Customer Experience: Randolph Bancorp can differentiate itself from competitors by providing exceptional customer service and personalized financial advice. Investing in employee training, improving customer support channels, and leveraging data analytics to understand customer needs can enhance customer satisfaction and loyalty. Timeline: Ongoing.
What Are RNDB's Competitive Advantages?
- Established regional presence and brand recognition.
- Long-standing customer relationships.
- Comprehensive suite of financial products and services.
- Local market expertise.
What Does RNDB Do?
Founded in 1851 and headquartered in Quincy, Massachusetts, Randolph Bancorp, Inc. operates as the bank holding company for Envision Bank. Envision Bank provides a comprehensive suite of financial services to individuals, families, and small to mid-size businesses across Massachusetts, Rhode Island, and southern New Hampshire. The bank operates through two segments: Envision Bank and Envision Mortgage. Its offerings include a variety of deposit accounts such as checking, NOW, money market, and savings accounts, as well as certificates of deposit and individual retirement accounts. On the lending side, Envision Bank provides one- to four-family residential mortgages, commercial real estate loans, commercial and industrial loans, construction loans, and consumer loans. They also offer home equity loans and lines of credit, and manage investment securities. To meet the evolving needs of its customers, Envision Bank provides remote deposit capture products for business clients, along with cash management solutions like ACH origination, wire transfer, positive pay, and account reconciliation. Digital banking services are also a key component of their service delivery. Randolph Bancorp operates five branch offices in Massachusetts, along with six loan production offices and lending centers located in Massachusetts and Southern New Hampshire. As of October 7, 2022, Randolph Bancorp, Inc. operates as a subsidiary of Hometown Financial Group, Inc., marking a significant change in its corporate structure and strategic direction.
What Products and Services Does RNDB Offer?
- Offers checking, NOW, money market, and savings accounts.
- Provides certificates of deposit and individual retirement accounts.
- Originates one- to four-family residential mortgages.
- Provides commercial real estate, commercial and industrial, and construction loans.
- Offers consumer loans, home equity loans, and lines of credit.
- Manages investment securities.
- Provides remote deposit capture products for business customers.
- Offers cash management solutions, including ACH origination and wire transfer.
How Does RNDB Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other services.
- Manages investment securities for income.
- Provides mortgage services through Envision Mortgage.
What Industry Does RNDB Operate In?
Randolph Bancorp, Inc. operates within the competitive regional banking sector. This sector is characterized by increasing consolidation, technological disruption, and evolving customer expectations. The rise of fintech companies challenges traditional banks to innovate and offer seamless digital experiences. Competitors like BRD, FNCB, HMNF, LCA, and MLVF also vie for market share in similar geographic areas. Randolph Bancorp's ability to adapt to these trends and differentiate its services will be crucial for sustained growth and profitability.
Who Are RNDB's Key Customers?
- Individuals and families in Massachusetts, Rhode Island, and southern New Hampshire.
- Small to mid-size businesses in the region.
- Commercial real estate developers.
- Consumers seeking residential mortgages and other loans.
Company Profile
Randolph Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Stoughton, US. The company is led by CEO James McDonough. RNDB has traded publicly since 2016.
Key Financial Metrics
Return on equity for Randolph Bancorp, Inc. stands at 9.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. RNDB trades at a trailing price-to-earnings ratio of 14.04, below the Financial Services sector average of ~18x. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.1%, the inverse of the P/E and a quick read on earnings relative to price.
RNDB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- RNDB's recent insider buying suggests those in the know see value, mirroring situations like executives loading up on bank stock before regional banking strength.
- Community sentiment seems cautiously optimistic, possibly driven by RNDB's focus on community banking, similar to how local banks thrived post-2008 by focusing on relationship banking.
- Bullish views highlight RNDB's potential to benefit from rising interest rates, echoing arguments made for regional banks during previous rate hike cycles.
- Market perception acknowledges RNDB's strong local presence, a factor that helped some smaller banks outperform during periods of broader market uncertainty.
Bear Case
- Recent community chatter indicates concerns about RNDB's exposure to specific local economic conditions, similar to worries about banks heavily invested in single industries.
- Bearish viewpoints express apprehension about increasing regulatory scrutiny on smaller banks, reminiscent of the increased compliance costs faced by financial institutions after Dodd-Frank.
- Market perception suggests RNDB might struggle to compete with larger banks offering a wider range of services, a challenge faced by many smaller institutions.
- Insider selling, even if limited, can sometimes raise questions about long-term confidence, much like concerns that arose when some executives divested holdings before market downturns.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
RNDB Latest News
No recent news available for RNDB.
Leadership: James McDonough
CEO
James McDonough serves as the CEO of Randolph Bancorp, Inc., managing a team of 170 employees. His career spans several decades in the financial services industry, with a focus on community banking and strategic leadership. He has held various executive positions, demonstrating expertise in lending, operations, and customer relationship management. McDonough's educational background includes a degree in finance and certifications in banking management.
Track Record: Under James McDonough's leadership, Randolph Bancorp, Inc. has maintained a strong regional presence and delivered consistent financial performance. He has overseen the expansion of digital banking services and the implementation of strategic lending initiatives. Key milestones include navigating the acquisition by Hometown Financial Group, Inc. and maintaining customer loyalty during the transition.
RNDB Financial Services Stock FAQ
What happened to Randolph Bancorp, Inc. (RNDB) stock?
Randolph Bancorp, Inc. (RNDB) no longer trades on public markets. It was delisted in October 2022. The figures below are historical and are not a current quote.
Can I still buy RNDB shares?
No. RNDB stopped trading on public markets in October 2022, so the shares are not available through a broker. Anything you see quoted for RNDB elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before RNDB stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Randolph Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Randolph Bancorp, Inc. do?
Randolph Bancorp, Inc., through its subsidiary Envision Bank, provides a range of financial services to individuals, families, and small to mid-size businesses in Massachusetts, Rhode Island, and southern New Hampshire. The bank offers deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts.
What are the main risks for RNDB?
Randolph Bancorp, Inc. faces several risks, including exposure to regional economic fluctuations, increasing competition from larger banks and fintech companies, and the potential impact of rising interest rates on loan profitability. The company is also subject to regulatory changes and cybersecurity threats. The integration with Hometown Financial Group, Inc. introduces additional risks related to operational alignment and strategic direction.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for RNDB. Financial data based on available information as of 2026-03-18.