Comparing Greene County Bancorp (GCBC) & Home Financial Bancorp (HWEN)

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

Profitability

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

Net Margins Return on Equity Return on Assets
Greene County Bancorp 31.50% 16.23% 1.33%
Home Financial Bancorp N/A N/A N/A

Analyst Ratings

This is a summary of recent ratings and price targets for Greene County Bancorp and Home Financial Bancorp, as reported by MarketBeat.

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

Dividends

Greene County Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.2%. Home Financial Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 2.2%.

Insider & Institutional Ownership

4.8% of Greene County Bancorp shares are held by institutional investors. 7.6% of Greene County Bancorp shares are held by company insiders. Comparatively, 93.4% of Home Financial Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Earnings & Valuation

This table compares Greene County Bancorp and Home Financial Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Greene County Bancorp $46.41 million 5.92 $14.40 million N/A N/A
Home Financial Bancorp N/A N/A $160,000.00 N/A N/A

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

Volatility & Risk

Greene County Bancorp has a beta of 0.41, suggesting that its stock price is 59% less volatile than the S&P 500. Comparatively, Home Financial Bancorp has a beta of 0.19, suggesting that its stock price is 81% less volatile than the S&P 500.

Summary

Greene County Bancorp beats Home Financial Bancorp on 7 of the 10 factors compared between the two stocks.

About Greene County Bancorp

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.

About Home Financial Bancorp

Home Financial Bancorp operates as a holding company for Our Community Bank that offers various banking products and services in the United States. The company offers various deposits products, including demand deposits, savings accounts, NOW accounts, and money market deposits; commercial and industrial loans, nonresidential real estate loans, and residential, mobile home and land, and consumer loans. It also provides auto and hazard insurance; and Internet banking services. The company provides banking services primarily in Owen, Putnam, and other counties. Home Financial Bancorp was founded in 1911 and is based in Spencer, Indiana.

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