WVS Financial (WVFC) vs. Prudential Bancorp (NASDAQ:PBIP) Critical Comparison

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WVS Financial (NASDAQ:WVFC) and Prudential Bancorp (NASDAQ:PBIP) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, earnings, profitability, analyst recommendations, institutional ownership, valuation and dividends.

Valuation & Earnings

This table compares WVS Financial and Prudential Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
WVS Financial $10.14 million 3.06 $2.12 million N/A N/A
Prudential Bancorp $37.35 million 4.29 $7.06 million N/A N/A

Prudential Bancorp has higher revenue and earnings than WVS Financial.

Profitability

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

Net Margins Return on Equity Return on Assets
WVS Financial 22.02% 6.92% 0.67%
Prudential Bancorp 22.92% N/A N/A

Analyst Ratings

This is a summary of recent ratings and price targets for WVS Financial and Prudential Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
WVS Financial 0 0 0 0 N/A
Prudential Bancorp 0 0 0 0 N/A

Institutional & Insider Ownership

21.4% of WVS Financial shares are held by institutional investors. Comparatively, 38.8% of Prudential Bancorp shares are held by institutional investors. 17.4% of WVS Financial shares are held by insiders. Comparatively, 5.5% of Prudential Bancorp 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.

Dividends

WVS Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.0%. Prudential Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.1%. WVS Financial has increased its dividend for 2 consecutive years. WVS Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Risk and Volatility

WVS Financial has a beta of 0.77, meaning that its stock price is 23% less volatile than the S&P 500. Comparatively, Prudential Bancorp has a beta of -0.11, meaning that its stock price is 111% less volatile than the S&P 500.

Summary

WVS Financial beats Prudential Bancorp on 6 of the 11 factors compared between the two stocks.

WVS Financial Company Profile

WVS Financial Corp. operates as the bank holding company for West View Savings Bank that provides various banking products and services to residents and businesses. The company offers deposit products, including regular savings accounts, demand accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificates of deposit, as well as individual retirement account certificates. It also provides single-family and multi-family residential real estate loans; commercial real estate loans; construction loans; land acquisition and development loans; commercial loans comprising loans secured by accounts receivable, marketable investment securities, business inventory and equipment, and related collaterals; and consumer loans, such as home equity loans, home equity lines of credit, loans secured by deposit accounts, and personal and education loans. The company operates six offices in the North Hills suburbs of Pittsburgh, Pennsylvania. WVS Financial Corp. was founded in 1993 and is based in Pittsburgh, Pennsylvania.

Prudential Bancorp Company Profile

Prudential Bancorp, Inc. operates as the bank holding company for Prudential Bank that provides various banking products or services. The company accepts interest-bearing and non-interest-bearing checking, money market, savings, and certificates of deposit accounts. Its loan portfolio comprises single-family residential mortgage loans, construction and land development loans, non-residential or commercial real estate mortgage loans, home equity loans and lines of credit, and commercial business loans, as well as consumer loans, such as loans secured by deposit accounts and unsecured personal loans. The company also manages a portfolio of investment and mortgage-backed securities; and provides ATM, and online and mobile banking services. As of November 30, 2018, it operated a main office in Philadelphia, Pennsylvania, as well as 9 additional full-service financial centers, including 7 in Philadelphia; 1 in Drexel Hill, Delaware County; and 1 in Huntingdon Valley, Montgomery County, Pennsylvania. Prudential Bancorp, Inc. was founded in 1886 and is based in Philadelphia, Pennsylvania.

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