Westbury Bancorp (OTCMKTS:WBBW) vs. Elmira Savings Bank (NASDAQ:ESBK) Head to Head Review



Westbury Bank (OTCMKTS:WBBWget rating) and Elmira Savings Bank (NASDAQ:ESBKget rating) are both small-cap financial companies, but which is the better deal? We will compare the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, valuation, earnings, risk, and dividends.

Risk and volatility

Westbury Bancorp has a beta of 0.44, which suggests that its share price is 56% less volatile than the S&P 500. Comparatively, Elmira Savings Bank has a beta of 0.9, which suggests that its share price its stock is 10% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of Westbury Bancorp and Elmira Savings Bank’s current ratings and price targets, provided by MarketBeat.

sales ratings retention ratings Buy grades Strong purchase ratings Rating Score
westbury bank 0 0 0 0 N/A
Elmira Savings Bank 0 0 0 0 N/A

Valuation and Earnings

This table compares the gross income, earnings per share (EPS), and valuation of Westbury Bancorp and Elmira Savings Bank.

Gross income Price/Sales Ratio Net income earnings per share Rate of earnings on price
westbury bank $38.78 million 2.01 $9.53 million $3.03 9.79
Elmira Savings Bank $26.58 million 3.02 $5.22 million $1.47 15.70

Westbury Bancorp has higher revenue and profit than Elmira Savings Bank. Westbury Bancorp trades at a lower price-earnings ratio than Elmira Savings Bank, indicating that it is currently the more affordable of the two stocks.

Institutional and internal ownership

4.1% of Westbury Bancorp shares are owned by institutional investors. 10.9% of Westbury Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large fund managers, endowments and hedge funds believe a company is poised for long-term growth.

Cost effectiveness

This table compares the net margins, return on equity, and return on assets for Westbury Bancorp and Elmira Savings Bank.

net margins Return on equity Return on assets
westbury bank 22.55% N/A N/A
Elmira Savings Bank 21.04% N/A N/A

Summary

Westbury Bancorp beats Elmira Savings Bank in 6 of 9 factors compared between the two stocks.

Westbury Bancorp Company Profile (get rating)

Westbury Bancorp, Inc. operates as a holding company of Westbury Bank offering various community banking and financial products and services to individuals, families and businesses in the United States. The company offers checking and savings accounts, money market accounts, certificates of deposit and time certificate accounts; personal, mortgage, one- to four-family residential real estate, multi-family, commercial business loans, commercial real estate loans and construction loans; Credit cards; and online and mobile banking services. It operates eight bank offices and a loan production office in Washington, Waukesha and Dane counties. Westbury Bancorp, Inc. was founded in 1926 and is headquartered in Waukesha, Wisconsin.

Company profile of Caja de Ahorros Elmira (get rating)

Elmira Savings Bank logoElmira Savings Bank provides financial services to consumers and businesses. It offers savings and money market accounts, term deposits, retail and commercial checking accounts, and NOW accounts; Deposit certificates; residential and commercial real estate, construction, business loans, as well as consumer loans, including installment loans, overdraft lines of credit, and home equity loans; and first and second lien-secured mortgage loans on one- to four-family residences. The company also operates a real estate investment trust; and provides financial planning advisory services. The company operates through a network of twelve full-service offices located in Chemung, Tompkins, Cayuga, Schuyler and Steuben counties; and a limited service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is headquartered in Elmira, New York.



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