ECB Bancorp (NASDAQ:ECBK – Get Free Report) and Greene County Bancorp (NASDAQ:GCBC – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, profitability, institutional ownership, analyst recommendations, risk, earnings and dividends.
Institutional and Insider Ownership
19.7% of ECB Bancorp shares are held by institutional investors. Comparatively, 12.7% of Greene County Bancorp shares are held by institutional investors. 3.7% of ECB Bancorp shares are held by company insiders. Comparatively, 6.3% of Greene County Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for ECB Bancorp and Greene County Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| ECB Bancorp | 0 | 0 | 0 | 0 | N/A |
| Greene County Bancorp | 0 | 0 | 0 | 0 | N/A |
Profitability
This table compares ECB Bancorp and Greene County Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| ECB Bancorp | 6.05% | 1.58% | 0.23% |
| Greene County Bancorp | 31.81% | 18.24% | 1.16% |
Valuation & Earnings
This table compares ECB Bancorp and Greene County Bancorp’s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| ECB Bancorp | $30.55 million | 3.73 | $2.72 million | N/A | N/A |
| Greene County Bancorp | $96.77 million | 6.32 | $30.78 million | $1.82 | 19.77 |
Greene County Bancorp has higher revenue and earnings than ECB Bancorp.
Summary
Greene County Bancorp beats ECB Bancorp on 7 of the 8 factors compared between the two stocks.
About ECB Bancorp
ECB Bancorp, Inc. operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. ECB Bancorp, Inc. was founded in 1890 and is based in Everett, Massachusetts.
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. Its deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. The company's loan portfolio consists of residential, construction and land, and multifamily mortgage 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; commercial business loans; 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.
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