Axos Financial (NASDAQ:AX – Get Rating) and Gouverneur Bancorp (OTCMKTS:GOVB – Get Rating) are both finance companies, but which business is superior? We’ll compare the two companies based on institutional ownership strength, earnings, dividends, profitability, valuation, risk, and analyst recommendations.
Institutional and Insider Ownership
76.2% of Axos Financial shares are held by institutional investors. 4.7% of Axos Financial shares are held by insiders. By comparison, 9.7% of Gouverneur Bancorp’s shares are held by insiders. Strong institutional ownership indicates that hedge funds, large fund managers, and endowments believe a stock will outperform the market over the long term.
Benefits and evaluation
This table compares the revenue, earnings per share and valuation of Axos Financial and Gouverneur Bancorp.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| Axos Financial | $723.12 million | 3.48 | $215.71 million | $3.91 | 10.78 |
| Bancorp Governor | $6.56 million | N / A | $1.07 million | N / A | N / A |
Axos Financial has higher revenues and profits than Gouverneur Bancorp.
Analyst Notes
This is a summary of recent ratings and price targets for Axos Financial and Gouverneur Bancorp, as reported by MarketBeat.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| Axos Financial | 0 | 0 | 0 | 0 | N / A |
| Bancorp Governor | 0 | 0 | 0 | 0 | N / A |
Profitability
This table compares the net margins, return on equity and return on assets of Axos Financial and Gouverneur Bancorp.
| Net margins | Return on equity | return on assets | |
| Axos Financial | 32.23% | 16.41% | 1.61% |
| Bancorp Governor | 19.17% | N / A | N / A |
Volatility and risk
Axos Financial has a beta of 1.43, meaning its stock price is 43% more volatile than the S&P 500. In comparison, Gouverneur Bancorp has a beta of 0.35, meaning its stock price is 65% less volatile than the S&P 500.
Summary
Axos Financial beats Gouverneur Bancorp on 7 of the 9 factors compared between the two stocks.
About Axos Financial
(Get a rating)
Axos Financial, Inc., together with its subsidiaries, provides retail and corporate banking products in the United States. It operates through Banking Business and Securities Business segments. The Company offers deposit products, including personal and business checking accounts, current accounts, savings accounts, term deposits, money market, zero balances and cash transfer accounts. insured. It also offers single-family, multi-family and commercial mortgages; secured commercial real estate loans; commercial and industrial non-real estate, asset-backed, lines of credit and term loans; car loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and security-backed loans. Additionally, the company offers ACH issuance, wire transfer, business check printing, business bill payment, and account transfer; remote deposit entry, mobile deposit, safe, merchant and online payment portal; concierge banking services; mobile banking and SMS; and payment services, as well as debit and credit cards and digital wallets. Additionally, it provides disclosed clearing services; back office services, such as record keeping, business reporting, accounting, general back office support, securities and margin lending, reorganization assistance and securities custody; and financing to brokerage clients. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.
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.
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