Reviewing WVS Financial (WVFC) and Greene County Bancorp (GCBC)

WVS Financial (NASDAQ:WVFC) and Greene County Bancorp (NASDAQ:GCBC) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, dividends, institutional ownership, profitability, valuation, analyst recommendations and risk.

Institutional & Insider Ownership

21.6% of WVS Financial shares are held by institutional investors. Comparatively, 4.8% of Greene County Bancorp shares are held by institutional investors. 17.4% of WVS Financial shares are held by company insiders. Comparatively, 7.6% of Greene County Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Dividends

WVS Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.4%. Greene County Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.2%.

Risk and Volatility

WVS Financial has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500. Comparatively, Greene County Bancorp has a beta of 0.35, meaning that its share price is 65% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and target prices for WVS Financial and Greene County Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
WVS Financial 0 0 0 0 N/A
Greene County Bancorp 0 0 0 0 N/A

Profitability

This table compares WVS Financial and Greene County Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
WVS Financial 20.88% 6.25% 0.60%
Greene County Bancorp 31.50% 16.23% 1.33%

Valuation & Earnings

This table compares WVS Financial and Greene County Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
WVS Financial $10.14 million 2.58 $2.12 million N/A N/A
Greene County Bancorp $46.41 million 6.03 $14.40 million N/A N/A

Greene County Bancorp has higher revenue and earnings than WVS Financial.

Summary

Greene County Bancorp beats WVS Financial on 6 of the 10 factors compared between the two stocks.

WVS Financial Company Profile

WVS Financial Corp. operates as the bank holding company for West View Savings Bank that provides various banking products and services to residents and businesses. The company offers various deposit products, including regular savings accounts, demand accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificates of deposit, as well as individual retirement account certificates. It also provides single-family and multi-family residential real estate loans; commercial real estate loans; construction loans; land acquisition and development loans; commercial loans comprising loans secured by accounts receivable, marketable investment securities, business inventory and equipment, and related collaterals; and consumer loans, such as home equity loans, home equity lines of credit, loans secured by deposit accounts, and personal and education loans. The company operates six offices in the North Hills suburbs of Pittsburgh, Pennsylvania. WVS Financial Corp. was founded in 1993 and is based in Pittsburgh, Pennsylvania.

Greene County Bancorp Company Profile

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit and non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. It operates a network of 14 full-service banking offices located in the Hudson Valley of New York. The company was founded in 1889 and is headquartered in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.

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