Westbury Bancorp (OTCMKTS:WBBW – Get Free Report) and Five Star Bancorp (NASDAQ:FSBC – Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, earnings, institutional ownership, risk, valuation, profitability and analyst recommendations.
Risk and Volatility
Westbury Bancorp has a beta of 0.14, meaning that its share price is 86% less volatile than the S&P 500. Comparatively, Five Star Bancorp has a beta of 0.48, meaning that its share price is 52% less volatile than the S&P 500.
Insider and Institutional Ownership
0.3% of Westbury Bancorp shares are held by institutional investors. Comparatively, 46.9% of Five Star Bancorp shares are held by institutional investors. 10.9% of Westbury Bancorp shares are held by insiders. Comparatively, 25.6% of Five Star Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Westbury Bancorp | 0 | 0 | 0 | 0 | 0.00 |
| Five Star Bancorp | 0 | 1 | 3 | 0 | 2.75 |
Five Star Bancorp has a consensus price target of $36.38, indicating a potential upside of 17.83%. Given Five Star Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Five Star Bancorp is more favorable than Westbury Bancorp.
Valuation & Earnings
This table compares Westbury Bancorp and Five Star Bancorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Westbury Bancorp | $34.41 million | 1.63 | $7.99 million | N/A | N/A |
| Five Star Bancorp | $213.40 million | 3.08 | $45.67 million | $2.28 | 13.54 |
Five Star Bancorp has higher revenue and earnings than Westbury Bancorp.
Profitability
This table compares Westbury Bancorp and Five Star Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Westbury Bancorp | N/A | N/A | N/A |
| Five Star Bancorp | 21.40% | 12.89% | 1.25% |
Summary
Five Star Bancorp beats Westbury Bancorp on 12 of the 12 factors compared between the two stocks.
About Westbury Bancorp
Westbury Bancorp, Inc. operates as a holding company for Westbury Bank that provides various community banking and financial products and services for individuals, families, and businesses in the United States. The company offers checking and savings accounts, money market accounts, certificates of deposit, and term 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. Westbury Bancorp, Inc. was founded in 1926 and is headquartered in Waukesha, Wisconsin.
About Five Star Bancorp
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals in Northern California. It accepts various deposits, such as money market accounts, noninterest-bearing and interest checking accounts, savings accounts, term certificate accounts, and time deposits. The company also offers loan products, including commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans, as well as operating lines of credit. In addition, it provides debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
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