Critical Review: Westbury Bancorp (WBBW) & Pinnacle Bancshares (PCLB)

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Pinnacle Bancshares (OTCMKTS:PCLB) and Westbury Bancorp (OTCMKTS:WBBW) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, analyst recommendations, earnings, valuation, profitability, dividends and institutional ownership.

Earnings & Valuation

This table compares Pinnacle Bancshares and Westbury Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Pinnacle Bancshares $9.43 million 2.67 $2.29 million N/A N/A
Westbury Bancorp $34.71 million 2.12 $4.20 million N/A N/A

Westbury Bancorp has higher revenue and earnings than Pinnacle Bancshares.

Volatility and Risk

Pinnacle Bancshares has a beta of 0.29, indicating that its share price is 71% less volatile than the S&P 500. Comparatively, Westbury Bancorp has a beta of 0.16, indicating that its share price is 84% less volatile than the S&P 500.

Dividends

Pinnacle Bancshares pays an annual dividend of $0.44 per share and has a dividend yield of 1.8%. Westbury Bancorp does not pay a dividend.

Institutional and Insider Ownership

6.0% of Pinnacle Bancshares shares are held by institutional investors. Comparatively, 10.1% of Westbury Bancorp shares are held by institutional investors. 14.4% of Pinnacle Bancshares shares are held by company insiders. Comparatively, 10.9% of Westbury Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent recommendations for Pinnacle Bancshares and Westbury Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pinnacle Bancshares 0 0 0 0 N/A
Westbury Bancorp 0 0 0 0 N/A

Profitability

This table compares Pinnacle Bancshares and Westbury Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Pinnacle Bancshares 25.28% 9.71% 1.12%
Westbury Bancorp 13.92% 5.26% 0.54%

Summary

Pinnacle Bancshares beats Westbury Bancorp on 7 of the 11 factors compared between the two stocks.

About Pinnacle Bancshares

Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank that provides banking products and services in Alabama. The company's deposit products include savings accounts, checking accounts, individual retirement accounts, money market deposit accounts, certificates of deposit, interest accounts, and student accounts, as well as demand and time deposits. Its loan portfolio comprises commercial real estate loans, real estate construction and development loans, residential real estate loans, and other real estate loans; commercial non-real estate loans, such as commercial, financial, agricultural, and municipal tax free loans; home mortgage loans; and consumer loans comprising installment loans, overdrafts, and other revolving credit loans, as well as automobile, recreational vehicle, boat, second and vacation home, construction, and bridge loans. The company also offers phone and online banking services; and other services, including merchant services, transfer and payment, automated clearing house, payroll direct deposit, e-statement, safe deposit box, and remote deposit services, as well as notary services. It operates seven offices in the central and northwest Alabama. Pinnacle Bancshares, Inc. was founded in 1935 and is based in Jasper, Alabama.

About Westbury Bancorp

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.

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