Governor Bancorp (OTCMKTS: GOVB – Get a rating) and Cincinnati Bancorp (NASDAQ: CNNB – Get a rating) are both finance companies, but which is the superior investment? We’ll compare the two companies based on valuation strength, profitability, institutional ownership, earnings, risk, dividends and analyst recommendations.
Risk and Volatility
Governor Bancorp has a beta of 0.44, suggesting its stock price is 56% less volatile than the S&P 500. By comparison, Cincinnati Bancorp has a beta of 0.58, suggesting its stock price is 42% less volatile than the S&P 500.
This is a summary of the current ratings and price targets for Gouverneur Bancorp and Cincinnati Bancorp, as provided by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Bancorp Governor||0||0||0||0||N / A|
|Cincinnati Bancorp||0||0||0||0||N / A|
This table compares the net margins, return on equity and return on assets of Gouverneur Bancorp and Cincinnati Bancorp.
|Net margins||Return on equity||return on assets|
|Bancorp Governor||16.24%||N / A||N / A|
Benefits and evaluation
This table compares the revenue, earnings per share and valuation of Gouverneur Bancorp and Cincinnati Bancorp.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Bancorp Governor||$6.56 million||N / A||$1.07 million||$0.51||15.69|
|Cincinnati Bancorp||$17.77 million||2.43||$1.65 million||N / A||N / A|
Cincinnati Bancorp has higher revenues and profits than Governor Bancorp.
Insider and Institutional Ownership
25.6% of Cincinnati Bancorp shares are held by institutional investors. 9.7% of the shares of Gouverneur Bancorp are held by insiders of the company. By comparison, 17.7% of Cincinnati Bancorp’s stock is held by insiders of the company. Strong institutional ownership indicates that large fund managers, endowments, and hedge funds believe a stock is poised for long-term growth.
Cincinnati Bancorp beats Governor Bancorp on 7 of the 9 factors compared between the two stocks.
About Governor Bancorp (Get a rating)
Gouverneur Bancorp, Inc. operates as a holding company for Gouverneur Savings and Loan Association which provides various banking products and services to New York individuals and businesses. The company accepts passbooks, NOW, money market deposits and checking accounts, as well as certificates of deposit. Its lending products include personal, home improvement, auto and motorcycle, RV and boat, recreational vehicle, passbook and mortgage loans; and construction, commercial real estate, commercial installment loans, short-term working capital and equipment loans, as well as home equity line of credit, commercial lines of credit and letters of credit. The Company also invests in general duty municipal bonds and debt securities issued by the United States government and its agencies; and mortgage-backed securities issued or guaranteed by state-sponsored companies. In addition, it offers online, mobile, bill payment and telephone banking; electronic or paper statements; and ATMs, debit cards, direct deposits, mobile remote deposit capture, automatic payments and transfers, bank checks, wire transfers and vault services. The company primarily serves St. Lawrence County and Jefferson and Lewis counties in New York State through two full-service branches. Gouverneur Bancorp, Inc. was founded in 1892 and is headquartered in Gouverneur, New York.
About Cincinnati Bancorp (Get a rating)
Cincinnati Bancorp, Inc. is the holding company of Cincinnati Federal that provides various banking and financial services to individuals and businesses in the United States. The Company offers various deposit accounts, including current accounts, checking accounts, savings accounts, certificate of deposit accounts and individual retirement accounts. Its loan portfolio includes one to four family residential real estate loans; non-residential and multi-family real estate loans; home equity loans and lines of credit; construction and land loans; commercial business loans; and consumer loans. The Company also invests in securities, primarily mortgage-backed securities. It operates full-service branches in Miami Heights, Anderson, and Price Hill, as well as Covington and Florence in northern Kentucky. The company was formerly known as CF Bancorp and changed its name to Cincinnati Bancorp in March 2015. Cincinnati Bancorp was founded in 1922 and is based in Cincinnati, Ohio.
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