Greene County Bancorp, Inc. (GCBC) vs Kearny Financial (KRNY)

Greene County Bancorp, Inc. and Kearny Financial are both Banks Regional companies. Greene County Bancorp, Inc. and Kearny Financial are of similar size ($603.8M and $590.8M). Greene County Bancorp, Inc. trades at the lower P/E: 14.3× against 16.4×. Greene County Bancorp, Inc. grew revenue faster over the last twelve months: 9.67% against 1.05%. Greene County Bancorp, Inc. has the higher net margin (28.1% vs 10.5%) and the higher return on invested capital (21.0% vs 1.64%). Both pay a dividend; Kearny Financial yields more (6.83% vs 1.15%). Across the 20 metrics below, Greene County Bancorp, Inc. leads on 15 and Kearny Financial on 5.

Valuation

Metric GCBC KRNY Banks Regional median
P/E 14.30 16.42 12.15
P/S 4.02 1.70 2.37
P/B 2.11 0.77 1.21
Price to free cash flow 14.12 15.01 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.07 4.68 2.27
Earnings yield 6.99% 6.09% 8.11%
Free cash flow yield 7.08% 6.66% 8.98%

Profitability

Metric GCBC KRNY Banks Regional median
Gross margin 63.50% 51.31% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.14% 10.45% 18.66%
Free cash flow margin 28.50% 11.29% 21.18%
Return on equity 15.88% 4.79% 10.64%
Return on assets 1.32% 0.47% 1.13%
Return on invested capital 21.04% 1.64% 8.33%

Growth

Metric GCBC KRNY Banks Regional median
Revenue growth (TTM) 9.67% 1.05% 6.61%
EPS growth (last fiscal year) 31.69% 35.71% —
Revenue growth, 5-year CAGR 16.48% 6.02% 12.30%
Net income growth, 5-year CAGR 11.37% (10.52%) 9.71%

Health

Metric GCBC KRNY Banks Regional median
Debt to equity 0.02 1.50 0.22
Current ratio 0.65 1.05 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GCBC KRNY Banks Regional median
Dividend yield 1.15% 6.83% 3.75%
Payout ratio 0.15 0.70 0.27

Size

Metric GCBC KRNY Banks Regional median
Market cap 590.78m 603.84m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack