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GCBC vs ISTR

GCBC
Greene County Bancorp, Inc.
NEUTRAL
Price
$23.30
Market Cap
$396.7M
Sector
Financial Services
AI Confidence
80%
ISTR
Investar Holding Corporation
NEUTRAL
Price
$28.54
Market Cap
$392.4M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
GCBC
10.84
ISTR
13.4
Forward P/E
GCBC
--
ISTR
8.27
P/B Ratio
GCBC
1.54
ISTR
1.03
P/S Ratio
GCBC
4.84
ISTR
4.2
EV/EBITDA
GCBC
--
ISTR
--

Profitability

Gross Margin
GCBC
0.0%
ISTR
0.0%
Operating Margin
GCBC
54.17%
ISTR
30.2%
Profit Margin
GCBC
44.58%
ISTR
24.54%
ROE
GCBC
15.33%
ISTR
8.45%
ROA
GCBC
1.2%
ISTR
0.82%

Growth

Revenue Growth
GCBC
26.1%
ISTR
14.8%
Earnings Growth
GCBC
36.4%
ISTR
-15.4%

Financial Health

Debt/Equity
GCBC
--
ISTR
--
Current Ratio
GCBC
--
ISTR
--
Quick Ratio
GCBC
--
ISTR
--

Dividends

Dividend Yield
GCBC
1.67%
ISTR
1.54%
Payout Ratio
GCBC
17.67%
ISTR
20.42%

AI Verdict

GCBC NEUTRAL

GCBC presents a conflicting profile: it is fundamentally undervalued with a Piotroski F-Score of 3/9 indicating weak operational health, yet it exhibits strong growth and value metrics. The stock trades significantly below its Graham Number ($27.09) and Intrinsic Value ($63.42), suggesting a deep discount. However, the bearish technical trend (0/100) and poor health score offset the aggressive YoY earnings growth of 36.40%. The overall outlook remains neutral until fundamental health improves to match the growth trajectory.

Strengths
Strong earnings growth (36.40% YoY)
Trading below Graham Number ($27.09) and Intrinsic Value ($63.42)
Healthy ROE of 15.33% and ROA of 1.20%
Risks
Weak Piotroski F-Score (3/9) suggesting deteriorating fundamentals
Strongly bearish technical trend (0/100)
Lack of analyst coverage and institutional guidance
ISTR NEUTRAL

Investar Holding Corporation presents a conflicting profile: while valuation metrics are defensive, the deterministic health indicators are weak. The Piotroski F-Score of 3/9 signals significant fundamental weakness, and the stock is trading well above its growth-based intrinsic value of $14.91. Despite a 'Strong Buy' analyst consensus and consistent earnings beats, the divergence between rising revenue (+14.8%) and falling earnings (-15.4%) suggests margin compression or rising operational costs. The bearish technical trend and recent CEO selling further temper the bullish analyst outlook.

Strengths
Attractive Price-to-Book ratio of 1.03
Strong track record of earnings surprises (3/4 beats in last 4 quarters)
Positive top-line revenue growth of 14.8% YoY
Risks
Weak financial health indicated by a Piotroski F-Score of 3/9
Negative YoY earnings growth of -15.4%
Bearish insider sentiment following CEO share liquidation

Compare Another Pair

GCBC vs ISTR: Head-to-Head Comparison

This page compares Greene County Bancorp, Inc. (GCBC) and Investar Holding Corporation (ISTR) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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