Contrasting SR Bancorp (NASDAQ:SRBK) & Greene County Bancorp (NASDAQ:GCBC)

Earnings & Valuation

This table compares Greene County Bancorp and SR Bancorp”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	$65.02 million	8.01	$24.77 million	$1.45	21.09
SR Bancorp	$38.38 million	2.85	-$10.86 million	$0.12	96.67

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

Risk and Volatility

Greene County Bancorp has a beta of 0.43, meaning that its share price is 57% less volatile than the S&P 500. Comparatively, SR Bancorp has a beta of 1.07, meaning that its share price is 7% more volatile than the S&P 500.

Institutional & Insider Ownership

13.4% of Greene County Bancorp shares are owned by institutional investors. Comparatively, 24.7% of SR Bancorp shares are owned by institutional investors. 5.1% of Greene County Bancorp shares are owned by insiders. Comparatively, 3.6% of SR Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Greene County Bancorp	20.28%	12.03%	0.87%
SR Bancorp	2.25%	0.50%	0.10%

Summary

Greene County Bancorp beats SR Bancorp on 8 of the 11 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 SR Bancorp

SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides customary retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Somerset, Middlesex, Hunterdon, and Essex counties in New Jersey. It offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides loans comprising one- to four family-residential mortgage loans, home equity loans and lines of credit, unsecured personal loans, and rehabilitation loans; and bill payment services. In addition, it is involved in the investment activities. The company was founded in 1887 and is headquartered in Bound Brook, New Jersey.