Head to Head Survey: Gouverneur Bancorp (OTCMKTS:GOVB) vs. Wayne Savings Bancshares (OTCMKTS:WAYN)

Wayne Savings Bancshares (OTCMKTS:WAYN) and Gouverneur Bancorp (OTCMKTS:GOVB) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, valuation, institutional ownership, risk, profitability, dividends and analyst recommendations.

Insider & Institutional Ownership

12.1% of Wayne Savings Bancshares shares are owned by institutional investors. Comparatively, 21.6% of Gouverneur Bancorp shares are owned by institutional investors. 3.2% of Wayne Savings Bancshares shares are owned by company insiders. Comparatively, 4.1% of Gouverneur Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current ratings for Wayne Savings Bancshares and Gouverneur Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Wayne Savings Bancshares	0	0	0	0	N/A
Gouverneur Bancorp	0	0	0	0	N/A

Earnings & Valuation

This table compares Wayne Savings Bancshares and Gouverneur Bancorp’s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Wayne Savings Bancshares	$38.11 million	1.40	$7.83 million	$3.21	7.54
Gouverneur Bancorp	$7.35 million	1.51	$1.53 million	N/A	N/A

Wayne Savings Bancshares has higher revenue and earnings than Gouverneur Bancorp.

Dividends

Wayne Savings Bancshares pays an annual dividend of $0.92 per share and has a dividend yield of 3.8%. Gouverneur Bancorp pays an annual dividend of $0.10 per share and has a dividend yield of 1.0%. Wayne Savings Bancshares pays out 28.7% of its earnings in the form of a dividend.

Volatility and Risk

Wayne Savings Bancshares has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500. Comparatively, Gouverneur Bancorp has a beta of 0.54, meaning that its stock price is 46% less volatile than the S&P 500.

Profitability

This table compares Wayne Savings Bancshares and Gouverneur Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Wayne Savings Bancshares	17.74%	16.54%	1.04%
Gouverneur Bancorp	N/A	N/A	N/A

Summary

Wayne Savings Bancshares beats Gouverneur Bancorp on 6 of the 11 factors compared between the two stocks.

About Wayne Savings Bancshares

Wayne Savings Bancshares, Inc. operates as the holding company for Wayne Savings Community Bank that provides personal and business banking products and services to individuals, businesses, and other organizations. The company offers checking, savings, money market, and term certificate accounts, as well as certificates of deposit. It also provides residential mortgage, commercial, installment, residential and nonresidential real estate, commercial real estate, residential construction, multi-family real estate, land, commercial business, consumer, home, home equity, auto, recreational vehicle, personal, furniture and appliance, agriculture, and term loans, as well as lines of credit, government guaranteed programs, and standby letters of credit. In addition, the company offers retirement planning, investment advisory, insurance, and wealth management and trust services. Further, it provides overdraft protection, re-order check, remote deposit capture, merchant, sweep, online and mobile banking, and bill pay services, as well as debit, credit, and gift cards. The company was founded in 1899 and is based in Wooster, Ohio.

About Gouverneur Bancorp

Gouverneur Bancorp, Inc. operates as the holding company for Gouverneur Savings and Loan Association that provides various banking products and services to individuals and businesses in New York. It accepts passbook savings, NOW, money market deposit, and checking accounts, as well as certificates of deposit. The company's loan products include mortgage loans, one- to four-family residential loans, commercial real estate loans, and multi-family residential real estate loans, residential and commercial construction loans, commercial land loans, home equity loans, lines of credit, commercial loans, automobiles, motorcycles, campers, boats, and other recreational vehicles, as well as personal secured and unsecured loans. It also invests in municipal bonds, U.S. Treasury securities, U.S. Government agencies and government-sponsored obligations, and mortgage-backed securities. In addition, the company offers online, mobile, bill pay, and telephone banking; electronic or paper statements; and ATM, debit cards, direct deposits, mobile remote deposit capture, automatic payments and transfers, bank checks, wire transfers, and safe deposit box services. It serves primarily the St. Lawrence County, and Jefferson and Lewis counties in New York State. The company was founded in 1892 and is headquartered in Gouverneur, New York.