Financial Analysis: Greene County Bancorp (NASDAQ:GCBC) and Triumph Financial (NYSE:TFIN)

Triumph Financial (NYSE:TFIN) and Greene County Bancorp (NASDAQ:GCBC) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, risk, earnings, analyst recommendations, dividends, institutional ownership and profitability.

Risk and Volatility

Triumph Financial has a beta of 1.53, meaning that its share price is 53% more volatile than the S&P 500. Comparatively, Greene County Bancorp has a beta of 0.47, meaning that its share price is 53% less volatile than the S&P 500.

Insider & Institutional Ownership

91.1% of Triumph Financial shares are held by institutional investors. Comparatively, 13.4% of Greene County Bancorp shares are held by institutional investors. 5.5% of Triumph Financial shares are held by insiders. Comparatively, 4.0% of Greene County Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Triumph Financial and Greene County Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Triumph Financial	7.17%	4.69%	0.62%
Greene County Bancorp	28.14%	15.60%	1.31%

Earnings & Valuation

This table compares Triumph Financial and Greene County Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Triumph Financial	$518.88 million	2.86	$25.36 million	$1.48	41.91
Greene County Bancorp	$145.79 million	4.04	$41.02 million	$2.41	14.34

Greene County Bancorp has lower revenue, but higher earnings than Triumph Financial. Greene County Bancorp is trading at a lower price-to-earnings ratio than Triumph Financial, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current ratings and target prices for Triumph Financial and Greene County Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Triumph Financial	0	5	2	0	2.29
Greene County Bancorp	0	0	1	0	3.00

Triumph Financial presently has a consensus price target of $84.80, suggesting a potential upside of 36.72%. Given Triumph Financial’s higher possible upside, analysts clearly believe Triumph Financial is more favorable than Greene County Bancorp.

About Triumph Financial

Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides various banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States. The company operates through four segments: Banking, Factoring, Payments, and Corporate. It offers depository products, including checking, savings, and money market accounts, as well as certificates of deposit; and commercial and industrial loans, loans to purchase capital equipment, and business loans for working capital and operational purposes. The company also provides asset-based, and equipment and premium finance loans; real estate loans to finance commercial properties; to factoring services the transportation and non-transportation sectors; agriculture loans; commercial construction, land, and land development loans; mortgage warehouse loans; residential real estate loans; and consumer loans. In addition, it offers debit cards; electronic banking, trust, and treasury management services; and insurance brokerage services. As of December 31, 2021, the company operated through a network of 10 branches in the Quad Cities Metropolitan Area of Iowa and Illinois; 8 branches in northern and central Illinois; 7 branches in southern Colorado; 3 branches in New Mexico; 31 branches in central and eastern Colorado; and 2 branches in far western Kansas, as well as a branch office dedicated to deposit gathering activities in Dallas, Texas. Triumph Bancorp, Inc. was founded in 1981 and is headquartered in Dallas, Texas.

About Greene County Bancorp

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company's deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio consists of residential, construction and land, and multifamily loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.