First Defiance Financial Corp. (FDEF) and Greene County Bancorp Inc. (NASDAQ:GCBC) Comparing side by side

We will be contrasting the differences between First Defiance Financial Corp. (NASDAQ:FDEF) and Greene County Bancorp Inc. (NASDAQ:GCBC) as far as profitability, analyst recommendations, risk, dividends, earnings and valuation, institutional ownership are concerned. The two businesses are rivals in the Savings & Loans industry.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Defiance Financial Corp. 146.16M 4.13 46.23M 2.05 15.22
Greene County Bancorp Inc. 44.44M 6.04 16.26M 1.91 16.23

Table 1 showcases the gross revenue, earnings per share (EPS) and valuation of First Defiance Financial Corp. and Greene County Bancorp Inc. Greene County Bancorp Inc. has lower revenue and earnings than First Defiance Financial Corp. The business with the lower price-to-earnings out of the two companies is considered for more affordable of the two firms presently. First Defiance Financial Corp.’s shares have been trading at lower price-to-earnings ratio which means it is presently more affordable than Greene County Bancorp Inc.

Profitability

Table 2 provides us the net margins, return on equity and return on assets of both businesses.

Net Margins Return on Equity Return on Assets
First Defiance Financial Corp. 31.63% 10.9% 1.4%
Greene County Bancorp Inc. 36.59% 16.6% 1.4%

Volatility & Risk

A 0.99 beta indicates that First Defiance Financial Corp. is 1.00% less volatile compared to Standard and Poor’s 500. Greene County Bancorp Inc.’s 0.4 beta is the reason why it is 60.00% less volatile than Standard and Poor’s 500.

Dividends

First Defiance Financial Corp. pays out an annual dividend of $0.64 per share while its dividend yield is 2.09%. On the other side, $0.4 per share with a dividend yield of 1.3% for Greene County Bancorp Inc.

Analyst Recommendations

First Defiance Financial Corp. and Greene County Bancorp Inc. Ratings and Recommendations are available on the next table.

Sell Ratings Hold Ratings Buy Ratings Rating Score
First Defiance Financial Corp. 0 0 1 3.00
Greene County Bancorp Inc. 0 0 0 0.00

The consensus price target of First Defiance Financial Corp. is $33, with potential upside of 8.66%.

Insider & Institutional Ownership

Roughly 65.4% of First Defiance Financial Corp. shares are owned by institutional investors while 4.8% of Greene County Bancorp Inc. are owned by institutional investors. Insiders owned 0.7% of First Defiance Financial Corp. shares. Comparatively, insiders own roughly 0.8% of Greene County Bancorp Inc.’s shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
First Defiance Financial Corp. 0.35% 10.54% 10.5% -2.63% 16.41% 27.09%
Greene County Bancorp Inc. -1.9% -0.13% -7.07% -10.41% -9.22% -0.67%

For the past year First Defiance Financial Corp. has 27.09% stronger performance while Greene County Bancorp Inc. has -0.67% weaker performance.

Summary

First Defiance Financial Corp. beats Greene County Bancorp Inc. on 9 of the 14 factors.

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit and non-interest bearing checking accounts, and individual retirement accounts. The companyÂ’s loan portfolio consists of residential, construction and land, and multifamily mortgage 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. It operates a network of 13 full-service banking offices located in the Hudson Valley of New York. The company was founded in 1889 and is headquartered in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.

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