Greene County Bancorp (NASDAQ:GCBC) and Citizens Community Bancorp (NASDAQ:CZWI) Critical Survey

Institutional & Insider Ownership

55.1% of Citizens Community Bancorp shares are owned by institutional investors. Comparatively, 13.4% of Greene County Bancorp shares are owned by institutional investors. 3.9% of Citizens Community Bancorp shares are owned by insiders. Comparatively, 5.1% of Greene County Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares Citizens Community Bancorp and Greene County Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Community Bancorp	$99.72 million	1.48	$13.75 million	$1.24	11.89
Greene County Bancorp	$132.94 million	N/A	$31.14 million	$1.83	13.13

Greene County Bancorp has higher revenue and earnings than Citizens Community Bancorp. Citizens Community Bancorp is trading at a lower price-to-earnings ratio than Greene County Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Citizens Community Bancorp	12.65%	6.93%	0.70%
Greene County Bancorp	23.42%	14.07%	1.06%

Dividends

Citizens Community Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.4%. Greene County Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.5%. Citizens Community Bancorp pays out 29.0% of its earnings in the form of a dividend. Greene County Bancorp pays out 19.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Citizens Community Bancorp has raised its dividend for 6 consecutive years and Greene County Bancorp has raised its dividend for 11 consecutive years.

Risk and Volatility

Citizens Community Bancorp has a beta of 0.71, suggesting that its stock price is 29% less volatile than the S&P 500. Comparatively, Greene County Bancorp has a beta of 0.49, suggesting that its stock price is 51% less volatile than the S&P 500.

Summary

Greene County Bancorp beats Citizens Community Bancorp on 10 of the 13 factors compared between the two stocks.

About Citizens Community Bancorp

Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers. It accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. The company also offers various loan products, such as commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, it maintains a portfolio of investments comprising mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, and corporate debt securities. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

About Greene County Bancorp

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company's deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio consists of residential, construction and land, and multifamily 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. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.