Head to Head Review: Northpointe Bancshares (NYSE:NPB) vs. Greene County Bancorp (NASDAQ:GCBC)

Northpointe Bancshares (NYSE:NPB) and Greene County Bancorp (NASDAQ:GCBC) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, analyst recommendations, earnings, valuation and profitability.

Institutional & Insider Ownership

13.4% of Greene County Bancorp shares are owned by institutional investors. 18.4% of Northpointe Bancshares shares are owned by insiders. Comparatively, 5.1% of Greene County Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares Northpointe Bancshares and Greene County Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Northpointe Bancshares	$390.45 million	1.63	$55.16 million	N/A	N/A
Greene County Bancorp	$132.94 million	N/A	$31.14 million	$1.83	13.04

Northpointe Bancshares has higher revenue and earnings than Greene County Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Northpointe Bancshares	N/A	N/A	N/A
Greene County Bancorp	23.42%	13.80%	1.05%

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Northpointe Bancshares and Greene County Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Northpointe Bancshares	0	1	2	0	2.67
Greene County Bancorp	0	0	0	0	0.00

Northpointe Bancshares currently has a consensus price target of $18.25, suggesting a potential downside of 1.30%. Given Northpointe Bancshares’ stronger consensus rating and higher possible upside, equities research analysts plainly believe Northpointe Bancshares is more favorable than Greene County Bancorp.

Dividends

Northpointe Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.5%. Greene County Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. Greene County Bancorp pays out 21.9% of its earnings in the form of a dividend. Greene County Bancorp has raised its dividend for 11 consecutive years. Greene County Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Northpointe Bancshares beats Greene County Bancorp on 7 of the 13 factors compared between the two stocks.

About Northpointe Bancshares

Northpointe Bancshares, Inc. operates as a bank holding company. It offers a nationwide mortgage purchase program, residential mortgage loans, digital deposit banking to retail customers and custodial deposit services. The company was founded by Charles A. Williams in 1998 and is headquartered in Grand Rapids, MI.

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.