Hometrust Bancshares (NASDAQ:HTBI) versus Gouverneur Bancorp (NASDAQ:GOVB) Head-To-Head Contrast

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

Valuation & Earnings

This table compares Hometrust Bancshares and Gouverneur Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Hometrust Bancshares $160.15 million 2.96 $27.15 million N/A N/A
Gouverneur Bancorp $6.84 million 4.08 $1.19 million N/A N/A

Hometrust Bancshares has higher revenue and earnings than Gouverneur Bancorp.

Analyst Ratings

This is a breakdown of current recommendations for Hometrust Bancshares and Gouverneur Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hometrust Bancshares 0 0 1 0 3.00
Gouverneur Bancorp 0 0 0 0 N/A

Hometrust Bancshares presently has a consensus target price of $31.00, indicating a potential upside of 16.85%. Given Hometrust Bancshares’ higher probable upside, analysts plainly believe Hometrust Bancshares is more favorable than Gouverneur Bancorp.

Risk and Volatility

Hometrust Bancshares has a beta of 0.37, meaning that its stock price is 63% less volatile than the S&P 500. Comparatively, Gouverneur Bancorp has a beta of 0.33, meaning that its stock price is 67% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
Hometrust Bancshares 16.95% 6.54% 0.78%
Gouverneur Bancorp N/A N/A N/A

Institutional and Insider Ownership

61.1% of Hometrust Bancshares shares are held by institutional investors. 7.1% of Hometrust Bancshares shares are held by company insiders. Comparatively, 9.7% of Gouverneur Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Dividends

Hometrust Bancshares pays an annual dividend of $0.24 per share and has a dividend yield of 0.9%. Gouverneur Bancorp pays an annual dividend of $0.34 per share and has a dividend yield of 2.7%.

Summary

Hometrust Bancshares beats Gouverneur Bancorp on 9 of the 13 factors compared between the two stocks.

Hometrust Bancshares Company Profile

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products. Its deposit products include savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises retail consumer loans, such as one-to-four-family real estate lending, home equity lines of credit, construction and land/lots, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate lending, construction and development lending, and commercial and industrial loans. It also provides small business administration loans, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services, as well as ground and equipment lease financing to fire departments. As of June 30, 2018, the company operated 43 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

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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