Critical Review: Westbury Bancorp (OTCMKTS:WBBW) & SANTA CRUZ CNTY/SH SH (OTCMKTS:SCZC)

Westbury Bancorp (OTCMKTS:WBBW) and SANTA CRUZ CNTY/SH SH (OTCMKTS:SCZC) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, earnings, institutional ownership, profitability, risk, dividends and analyst recommendations.

Valuation & Earnings

This table compares Westbury Bancorp and SANTA CRUZ CNTY/SH SH’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Westbury Bancorp $34.71 million 2.58 $4.20 million N/A N/A
SANTA CRUZ CNTY/SH SH $33.83 million 3.64 $11.38 million N/A N/A

SANTA CRUZ CNTY/SH SH has lower revenue, but higher earnings than Westbury Bancorp.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Westbury Bancorp and SANTA CRUZ CNTY/SH SH, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Westbury Bancorp 0 0 0 0 N/A
SANTA CRUZ CNTY/SH SH 0 0 0 0 N/A

Insider & Institutional Ownership

8.6% of Westbury Bancorp shares are owned by institutional investors. Comparatively, 7.8% of SANTA CRUZ CNTY/SH SH shares are owned by institutional investors. 10.9% of Westbury Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Westbury Bancorp and SANTA CRUZ CNTY/SH SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Westbury Bancorp 16.93% N/A N/A
SANTA CRUZ CNTY/SH SH 33.64% N/A N/A

Dividends

SANTA CRUZ CNTY/SH SH pays an annual dividend of $0.30 per share and has a dividend yield of 0.6%. Westbury Bancorp does not pay a dividend.

Volatility & Risk

Westbury Bancorp has a beta of 0.19, suggesting that its share price is 81% less volatile than the S&P 500. Comparatively, SANTA CRUZ CNTY/SH SH has a beta of 0.44, suggesting that its share price is 56% less volatile than the S&P 500.

Summary

SANTA CRUZ CNTY/SH SH beats Westbury Bancorp on 5 of the 9 factors compared between the two stocks.

Westbury Bancorp Company Profile

Westbury Bancorp, Inc. operates as a savings and loan holding company for Westbury Bank that provides various banking and financial products and services for individuals, families, and businesses in the United States. The company offers deposit accounts, such as non-interest-bearing and interest-bearing checking accounts, passbook and statement savings accounts, variable rate money market accounts, certificates of deposit, and term certificate accounts. Its loan portfolio includes commercial real estate loans, one-to four-family residential real estate loans, multi-family loans, commercial business loans, and construction loans; and consumer loans comprising home equity lines of credit and automobile loans, as well as education loans. In addition, the company offers online and mobile banking, and remote deposit capture services. It operates eight banking offices in Washington and Waukesha counties, Wisconsin; and loan production offices in Dane and Outagamie counties, Wisconsin. The company also operates nine ATMs at its branches and one other at a stand-alone location. Westbury Bancorp, Inc. was founded in 1926 and is headquartered in West Bend, Wisconsin.

SANTA CRUZ CNTY/SH SH Company Profile

Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses in Santa Cruz County, California. Its primary deposit products include checking, savings, and term certificate accounts. The company also offers lending products, including commercial, multi-family, agricultural, municipal, installment, business term, and SBA and USDA government guaranteed loans, as well as loans supported by single-family residential real estate, lines of credit, commercial real estate financing, and credit cards. In addition, it provides merchant, mobile banking, and remote deposit capture services, as well as online services comprising bill payment and cash management. The company operates through five full service banking offices in Aptos, Capitola, Santa Cruz, Scotts Valley, and Watsonville; and two free standing ATM and night depositories in Santa Cruz and Aptos. Santa Cruz County Bank was incorporated in 2003 and is headquartered in Santa Cruz, California.

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