Gouverneur Bancorp (OTCMKTS:GOVB) and Ottawa Savings Bancorp (NASDAQ:OTTW) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, risk, earnings, dividends, institutional ownership, valuation and profitability.
Volatility & Risk
Gouverneur Bancorp has a beta of 0.32, meaning that its share price is 68% less volatile than the S&P 500. Comparatively, Ottawa Savings Bancorp has a beta of 0.45, meaning that its share price is 55% less volatile than the S&P 500.
This is a summary of recent recommendations for Gouverneur Bancorp and Ottawa Savings Bancorp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Ottawa Savings Bancorp||0||0||0||0||N/A|
Gouverneur Bancorp pays an annual dividend of $0.34 per share and has a dividend yield of 2.4%. Ottawa Savings Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.7%.
Insider and Institutional Ownership
23.6% of Ottawa Savings Bancorp shares are owned by institutional investors. 9.7% of Gouverneur Bancorp shares are owned by company insiders. Comparatively, 7.0% of Ottawa Savings Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Valuation and Earnings
This table compares Gouverneur Bancorp and Ottawa Savings Bancorp’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Gouverneur Bancorp||$6.84 million||4.47||$1.19 million||N/A||N/A|
|Ottawa Savings Bancorp||$13.38 million||3.34||$1.99 million||N/A||N/A|
Ottawa Savings Bancorp has higher revenue and earnings than Gouverneur Bancorp.
This table compares Gouverneur Bancorp and Ottawa Savings Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Ottawa Savings Bancorp||13.23%||3.77%||0.66%|
Ottawa Savings Bancorp beats Gouverneur Bancorp on 7 of the 11 factors compared between the two stocks.
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.
Ottawa Savings Bancorp Company Profile
Ottawa Bancorp, Inc. operates as the holding company for Ottawa Savings Bank, a chartered savings bank that provides various financial services to individual and corporate customers in Illinois. The company offers various deposit accounts, including checking, money market, regular savings, club savings, certificate, and various retirement accounts. It also provides one-to-four family residential, multi-family and non-residential real estate, commercial, and construction loans; and consumer loans comprising auto, share, and personal unsecured loans, as well as home equity lines of credit. The company was formerly known as Ottawa Savings Bancorp, Inc. and changed its name to Ottawa Bancorp, Inc. in October 2016. Ottawa Bancorp, Inc. was founded in 1871 and is headquartered in Ottawa, Illinois.
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