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

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

Risk & Volatility

Greene County Bancorp has a beta of 0.41, suggesting that its share price is 59% less volatile than the S&P 500. Comparatively, Logansport Financial has a beta of 0.18, suggesting that its share price is 82% less volatile than the S&P 500.

Analyst Recommendations

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

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

Earnings & Valuation

This table compares Greene County Bancorp and Logansport Financial”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Greene County Bancorp	$84.26 million	4.43	$31.14 million	$2.14	10.23
Logansport Financial	$15.19 million	1.30	$1.76 million	$1.59	20.35

Greene County Bancorp has higher revenue and earnings than Logansport Financial. Greene County Bancorp is trading at a lower price-to-earnings ratio than Logansport Financial, 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%. Logansport Financial pays an annual dividend of $1.80 per share and has a dividend yield of 5.6%. Greene County Bancorp pays out 18.7% of its earnings in the form of a dividend. Logansport Financial pays out 113.2% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Greene County Bancorp has raised its dividend for 11 consecutive years.

Institutional and Insider Ownership

13.4% of Greene County Bancorp shares are held by institutional investors. 59.2% of Greene County Bancorp shares are held by insiders. Comparatively, 17.4% of Logansport Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Greene County Bancorp	26.03%	15.01%	1.19%
Logansport Financial	6.44%	N/A	N/A

Summary

Greene County Bancorp beats Logansport Financial on 13 of the 15 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 Logansport Financial

Logansport Financial Corp. operates as the holding company for Logansport Savings Bank that provides various banking products and services to individuals and businesses in Cass County, Indiana. The company’s personal banking products and services include checking accounts, rite accounts, NOW accounts, savings accounts, health savings accounts, certificates of deposit, and individual retirement accounts; mortgage, home equity lines of credit, home improvement, construction, commercial buildings, farm, consumer, education, and car loans, as well as loans for single family and multi-family dwellings; and overdraft, and internet and mobile banking services. It also provides business and commercial checking accounts, commercial savings accounts/certificates of deposit, money market accounts and certificates, commercial sweep accounts, ACH debit/credit capabilities, electric federal tax payment systems, remote banking and merchant card services, wires, coin services, night deposit bags, and remote deposit banking services. In addition, the company offers revolving or seasonal lines of credit, term loans for equipment, commercial real estate mortgages for expansion or acquisition, commercial letters of credit, and guaranteed loans, as well as agricultural loans. Logansport Financial Corp. was founded in 1925 and is based in Logansport, Indiana.