Analyzing Security Bancorp (OTCMKTS:SCYT) and Gouverneur Bancorp (OTCMKTS:GOVB)

Dividends

Gouverneur Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 1.3%. Security Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.4%. Gouverneur Bancorp pays out 31.4% of its earnings in the form of a dividend.

Insider and Institutional Ownership

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

Volatility and Risk

Gouverneur Bancorp has a beta of 0.57, indicating that its stock price is 43% less volatile than the S&P 500. Comparatively, Security Bancorp has a beta of 0.1, indicating that its stock price is 90% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Gouverneur Bancorp	5.77%	N/A	N/A
Security Bancorp	N/A	N/A	N/A

Valuation and Earnings

This table compares Gouverneur Bancorp and Security Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Gouverneur Bancorp	$9.34 million	1.48	$540,000.00	$0.51	24.51
Security Bancorp	$17.22 million	1.50	$3.27 million	N/A	N/A

Security Bancorp has higher revenue and earnings than Gouverneur Bancorp.

Summary

Security Bancorp beats Gouverneur Bancorp on 5 of the 9 factors compared between the two stocks.

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.

About Security Bancorp

Security Bancorp, Inc. operates as the bank holding company for Security Federal Savings Bank that provides banking products and services to individual and corporate customers in Tennessee. The company's deposit products include checking and savings accounts, and certificates of deposit. It also offers consumer loans; mortgage loans; and commercial loans, including installment loans, lines of credit, and real estate lending. In addition, the company provides financial services, as well as online, mobile, and telephone banking services. Security Bancorp, Inc. was founded in 1960 and is headquartered in McMinnville, Tennessee.