Greene County Bancorp (NASDAQ:GCBC – Get Free Report) and Flagstar Financial (NYSE:FLG – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their earnings, risk, dividends, analyst recommendations, profitability, institutional ownership and valuation.
Profitability
This table compares Greene County Bancorp and Flagstar Financial’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Greene County Bancorp | 21.02% | 12.55% | 0.91% |
Flagstar Financial | -17.16% | -10.72% | -0.76% |
Earnings and Valuation
This table compares Greene County Bancorp and Flagstar Financial”s revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Greene County Bancorp | $67.10 million | 5.98 | $24.77 million | $1.55 | 15.21 |
Flagstar Financial | $2.58 billion | 1.93 | -$1.09 billion | ($3.69) | -3.25 |
Insider & Institutional Ownership
13.4% of Greene County Bancorp shares are held by institutional investors. Comparatively, 67.9% of Flagstar Financial shares are held by institutional investors. 5.1% of Greene County Bancorp shares are held by company insiders. Comparatively, 6.4% of Flagstar Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Analyst Recommendations
This is a breakdown of current ratings and target prices for Greene County Bancorp and Flagstar Financial, as reported by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Greene County Bancorp | 0 | 0 | 0 | 0 | 0.00 |
Flagstar Financial | 0 | 3 | 2 | 0 | 2.40 |
Flagstar Financial has a consensus target price of $12.90, indicating a potential upside of 7.41%. Given Flagstar Financial’s stronger consensus rating and higher possible upside, analysts clearly believe Flagstar Financial is more favorable than Greene County Bancorp.
Volatility & Risk
Greene County Bancorp has a beta of 0.43, indicating that its share price is 57% less volatile than the S&P 500. Comparatively, Flagstar Financial has a beta of 1.16, indicating that its share price is 16% more volatile than the S&P 500.
Dividends
Greene County Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.5%. Flagstar Financial pays an annual dividend of $0.04 per share and has a dividend yield of 0.3%. Greene County Bancorp pays out 23.2% of its earnings in the form of a dividend. Flagstar Financial pays out -1.1% 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. Greene County Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Summary
Greene County Bancorp beats Flagstar Financial on 9 of the 17 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 Flagstar Financial
Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.
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