First Niles Financial (OTCMKTS:FNFI) & Greene County Bancorp (NASDAQ:GCBC) Financial Analysis

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

Volatility & Risk

Greene County Bancorp has a beta of 0.41, suggesting that its stock price is 59% less volatile than the S&P 500. Comparatively, First Niles Financial has a beta of 0.33, suggesting that its stock price is 67% less volatile than the S&P 500.

Insider & Institutional Ownership

13.4% of Greene County Bancorp shares are owned by institutional investors. 59.2% of Greene County Bancorp shares are owned by company insiders. Comparatively, 23.4% of First Niles Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Greene County Bancorp	27.28%	15.41%	1.26%
First Niles Financial	N/A	N/A	N/A

Earnings and Valuation

This table compares Greene County Bancorp and First Niles 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	$88.08 million	4.86	$31.14 million	$2.29	10.98
First Niles Financial	$14.03 million	0.85	$840,000.00	$0.47	16.38

Greene County Bancorp has higher revenue and earnings than First Niles Financial. Greene County Bancorp is trading at a lower price-to-earnings ratio than First Niles 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 1.6%. First Niles Financial pays an annual dividend of $0.24 per share and has a dividend yield of 3.1%. Greene County Bancorp pays out 17.5% of its earnings in the form of a dividend. First Niles Financial pays out 51.1% 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.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Greene County Bancorp and First Niles Financial, as provided by MarketBeat.

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

Summary

Greene County Bancorp beats First Niles 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 First Niles Financial

First Niles Financial, Inc. operates as a holding company for the Home Federal Savings and Loan Association of Niles that provides various banking products and services in Ohio, the United States. The company offers personal and business checking and savings, money market deposit, and Christmas club accounts, as well as certificates of deposit. It also provides various loans, including mortgage and consumer loans, home equity lines of credit, and commercial loans and lines of credit. In addition, the company provides e-statement, and night depository services; debit and ATM cards; safe deposit boxes; direct deposits; I.R.A. certificates of deposit and savings accounts; and online banking services. First Niles Financial, Inc. was founded in 1897 and is based in Niles, Ohio.