Comparing Greene County Bancorp (NASDAQ:GCBC) & NASB Financial (OTCMKTS:NASB)

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

Analyst Recommendations

This is a summary of current ratings and recommmendations for Greene County Bancorp and NASB Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Greene County Bancorp	0	1	0	0	2.00
NASB Financial	0	0	0	0	0.00

Institutional & Insider Ownership

13.4% of Greene County Bancorp shares are owned by institutional investors. 59.2% of Greene County Bancorp shares are owned by insiders. Comparatively, 47.0% of NASB Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares Greene County Bancorp and NASB Financial”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	$132.94 million	N/A	$31.14 million	$1.98	11.54
NASB Financial	$168.58 million	1.50	$28.26 million	$3.70	9.49

Greene County Bancorp has higher earnings, but lower revenue than NASB Financial. NASB Financial 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.

Dividends

Greene County Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.8%. NASB Financial pays an annual dividend of $1.40 per share and has a dividend yield of 4.0%. Greene County Bancorp pays out 20.2% of its earnings in the form of a dividend. NASB Financial pays out 37.8% 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. Greene County Bancorp has increased its dividend for 11 consecutive years.

Volatility & Risk

Greene County Bancorp has a beta of 0.45, indicating that its stock price is 55% less volatile than the S&P 500. Comparatively, NASB Financial has a beta of 0.06, indicating that its stock price is 94% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Greene County Bancorp	24.62%	14.75%	1.12%
NASB Financial	15.19%	6.42%	0.91%

Summary

Greene County Bancorp beats NASB Financial on 11 of the 14 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 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.

About NASB Financial

NASB Financial, Inc. operates as a unitary thrift holding company for North American Savings Bank, F.S.B. that provides various banking products and services in the United States. The company offers checking, savings, money market, and certificate of deposit accounts. It also mortgages and refinancing products, including conventional, veterans administration, federal housing administration, jumbo, and IRA residential real-estate loans. In addition, the company provides commercial real estate development and commercial loans, such as multifamily, retail, single-tenant, multi-tenant, office, industrial, and other loans; investment property loans; and construction and development loans. The company was founded in 1927 and is based in Grandview, Missouri.