Comparing Gouverneur Bancorp (GOVB) and Columbia Financial (NASDAQ:CLBK)

Columbia Financial (NASDAQ:CLBK) and Gouverneur Bancorp (OTCMKTS:GOVB) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their earnings, risk, valuation, profitability, dividends, analyst recommendations and institutional ownership.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Columbia Financial and Gouverneur Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Columbia Financial 0 1 1 0 2.50
Gouverneur Bancorp 0 0 0 0 N/A

Columbia Financial presently has a consensus price target of $18.00, suggesting a potential upside of 19.76%. Given Columbia Financial’s higher probable upside, research analysts clearly believe Columbia Financial is more favorable than Gouverneur Bancorp.

Dividends

Gouverneur Bancorp pays an annual dividend of $0.34 per share and has a dividend yield of 2.3%. Columbia Financial does not pay a dividend.

Institutional and Insider Ownership

11.8% of Columbia Financial shares are owned by institutional investors. 9.7% of Gouverneur 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 Columbia Financial and Gouverneur Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Columbia Financial 4.94% 6.19% 0.63%
Gouverneur Bancorp N/A N/A N/A

Earnings and Valuation

This table compares Columbia Financial and Gouverneur Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Columbia Financial $53.84 million 32.35 $3.67 million N/A N/A
Gouverneur Bancorp $6.84 million 5.05 $1.19 million N/A N/A

Columbia Financial has higher revenue and earnings than Gouverneur Bancorp.

Summary

Columbia Financial beats Gouverneur Bancorp on 9 of the 11 factors compared between the two stocks.

Columbia Financial Company Profile

Columbia Financial, Inc. operates as a bank holding company for Columbia Bank that provides banking products and services in the United States. The company offers non-interest bearing demand deposits, such as individual checking and commercial checking accounts; interest-bearing demand accounts comprising interest checking accounts and municipal accounts; and savings accounts, money market accounts, and certificates of deposit. It also provides loans, including commercial real estate and multifamily loans, one- to four-family residential loans, commercial business loans, construction loans, home equity loans and advances, and other consumer loans. In addition, the company offers title insurance products; and insurance and investment advisory services. It operates 47 full-service banking offices in 10 of New Jersey's 21 counties. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.

Gouverneur Bancorp Company Profile

Gouverneur Bancorp, Inc. operates as the holding company for Gouverneur Savings and Loan Association that provides banking services to individuals and businesses in New York. The company's deposit products include passbook savings accounts, NOW accounts, money market deposit accounts, checking accounts, and certificates of deposit. Its loan portfolio comprises residential mortgage loans, commercial mortgage loans, consumer loans, automobile loans, non-real estate commercial loans; and commercial and non-mortgage loans to local businesses for working capital, machinery and equipment purchases, expansion, and other business purposes. The company also invests in general obligation municipal bonds and debt securities issued by the United States government and its agencies; and mortgage-backed securities issued or guaranteed by government-sponsored enterprises. It serves primarily the southern St. Lawrence County, and northern Jefferson and Lewis counties in New York State through two full-service branch offices. The company was founded in 1892 and is based in Gouverneur, New York. Gouverneur Bancorp, Inc operates as a subsidiary of Cambray Mutual Holding Company.

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