Greene County Bancorp, Inc. (GCBC) vs Grupo Supervielle S.A. (SUPV)

Greene County Bancorp, Inc. and Grupo Supervielle S.A. are both Banks Regional companies. Greene County Bancorp, Inc. and Grupo Supervielle S.A. are of similar size ($590.8M and $568.4M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Greene County Bancorp, Inc. trades at 14.3×. Grupo Supervielle S.A. grew revenue faster over the last twelve months: 10.2% against 9.67%. Greene County Bancorp, Inc. has the higher net margin (28.1% vs −3.62%) and the higher return on invested capital (21.0% vs 0.00%). Across the 18 metrics below, Greene County Bancorp, Inc. leads on 13 and Grupo Supervielle S.A. on 5.

Valuation

Metric GCBC SUPV Banks Regional median
P/E 14.30 n/m 12.15
P/S 4.02 0.38 2.37
P/B 2.11 0.77 1.21
Price to free cash flow 14.12 24.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.07 (0.16) 2.27
Earnings yield 6.99% (8.70%) 8.11%
Free cash flow yield 7.08% 4.03% 8.98%

Profitability

Metric GCBC SUPV Banks Regional median
Gross margin 63.50% 54.65% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.14% (3.62%) 18.66%
Free cash flow margin 28.50% 1.51% 21.18%
Return on equity 15.88% (7.34%) 10.64%
Return on assets 1.32% (1.06%) 1.13%
Return on invested capital 21.04% 0.00% 8.33%

Growth

Metric GCBC SUPV Banks Regional median
Revenue growth (TTM) 9.67% 10.24% 6.61%
EPS growth (last fiscal year) 31.69% (128.85%) —
Revenue growth, 5-year CAGR 16.48% 8.30% 12.30%
Net income growth, 5-year CAGR 11.37% 0.00% 9.71%

Health

Metric GCBC SUPV Banks Regional median
Debt to equity 0.02 0.09 0.22
Current ratio 0.65 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GCBC SUPV Banks Regional median
Dividend yield 1.15% — 3.75%
Payout ratio 0.15 0.00 0.27

Size

Metric GCBC SUPV Banks Regional median
Market cap 590.78m 568.38m 921.07m

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