Greene County Bancorp (NASDAQ:GCBC) & Broadway Financial (NASDAQ:BYFC) Head-To-Head Analysis

Broadway Financial (NASDAQ:BYFC) and Greene County Bancorp (NASDAQ:GCBC) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, valuation, earnings, analyst recommendations, dividends, institutional ownership and risk.

Volatility & Risk

Broadway Financial has a beta of 0.69, indicating that its share price is 31% less volatile than the S&P 500. Comparatively, Greene County Bancorp has a beta of 0.41, indicating that its share price is 59% less volatile than the S&P 500.

Institutional & Insider Ownership

12.1% of Broadway Financial shares are owned by institutional investors. Comparatively, 13.4% of Greene County Bancorp shares are owned by institutional investors. 4.1% of Broadway Financial shares are owned by insiders. Comparatively, 59.2% of Greene County Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Broadway Financial	3.18%	1.46%	0.15%
Greene County Bancorp	24.62%	14.44%	1.12%

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Broadway Financial	$63.76 million	1.21	$1.93 million	($0.13)	-64.77
Greene County Bancorp	$132.94 million	N/A	$31.14 million	$1.98	11.73

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

Analyst Ratings

This is a summary of recent ratings for Broadway Financial and Greene County Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Broadway Financial	1	0	0	0	1.00
Greene County Bancorp	0	1	0	0	2.00

Summary

Greene County Bancorp beats Broadway Financial on 10 of the 11 factors compared between the two stocks.

About Broadway Financial

Broadway Financial Corporation operates as the holding company for City First Bank, National Association that provides various banking products and services in the United States. It accepts various deposit accounts, including savings accounts, checking accounts, interest checking accounts, money market accounts, and fixed-term certificates of deposit. The company also offers mortgage loans, which are secured by multi-family residential properties; single family residential properties; and commercial real estate, including charter schools, community facilities, and churches, as well as commercial business, construction, and consumer loans. In addition, it invests in securities issued by federal government agencies, residential mortgage-backed securities, and other investments. The company was founded in 1946 and is headquartered in Los Angeles, California.

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.