Head to Head Analysis: Axos Financial (NYSE:AX) versus Chester Bancorp (OTCMKTS:CNBA)

Chester Bancorp (OTCMKTS:CNBA) and Axos Financial (NYSE:AX) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, dividends, institutional ownership, valuation, risk, analyst recommendations and earnings.

Volatility and Risk

Chester Bancorp has a beta of -0.04, suggesting that its share price is 104% less volatile than the S&P 500. Comparatively, Axos Financial has a beta of 1.38, suggesting that its share price is 38% more volatile than the S&P 500.

Valuation & Earnings

This table compares Chester Bancorp and Axos Financial”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chester Bancorp	N/A	N/A	N/A	N/A	N/A
Axos Financial	$1.88 billion	2.63	$450.01 million	$8.26	10.48

Axos Financial has higher revenue and earnings than Chester Bancorp.

Profitability

This table compares Chester Bancorp and Axos Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chester Bancorp	N/A	N/A	N/A
Axos Financial	24.07%	18.99%	1.88%

Insider & Institutional Ownership

83.8% of Axos Financial shares are held by institutional investors. 38.8% of Chester Bancorp shares are held by insiders. Comparatively, 5.1% of Axos Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Chester Bancorp and Axos Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chester Bancorp	0	0	0	0	0.00
Axos Financial	0	2	3	0	2.60

Axos Financial has a consensus target price of $79.80, indicating a potential downside of 7.85%. Given Axos Financial’s stronger consensus rating and higher possible upside, analysts clearly believe Axos Financial is more favorable than Chester Bancorp.

Summary

Axos Financial beats Chester Bancorp on 9 of the 10 factors compared between the two stocks.

About Chester Bancorp

Chester Bancorp, Inc. operates as the holding company for Chester National Bank that provides various banking products and services to individuals and businesses in Chester, Illinois. It offers checking accounts, such as regular checking, student checking, golden checking, and club checking accounts; savings accounts, including statement savings, Christmas club, and money market accounts; and certificate of deposits and individual retirement accounts. The company also provides loans comprising mortgage, construction, lot, home equity, consumer, and business loans; and reorder check services. It operates two full service offices in Sparta, Illinois; and Perryville, Missouri. Chester Bancorp, Inc. was founded in 1996 and is based in Chester, Illinois.

About Axos Financial

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through two segments, Banking Business and Securities Business. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text message banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. 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.