SR Bancorp (NASDAQ:SRBK) and WVS Financial (NASDAQ:WVFC) Critical Analysis

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

Analyst Recommendations

This is a breakdown of recent ratings for SR Bancorp and WVS Financial, as reported by MarketBeat.

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

Earnings & Valuation

This table compares SR Bancorp and WVS Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SR Bancorp	$26.88 million	3.95	-$10.86 million	N/A	N/A
WVS Financial	$5.13 million	4.67	$1.38 million	N/A	N/A

WVS Financial has lower revenue, but higher earnings than SR Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
SR Bancorp	-28.30%	-5.52%	-1.01%
WVS Financial	8.49%	14.59%	1.49%

Insider and Institutional Ownership

24.7% of SR Bancorp shares are held by institutional investors. Comparatively, 6.3% of WVS Financial shares are held by institutional investors. 13.5% of WVS Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Summary

WVS Financial beats SR Bancorp on 6 of the 8 factors compared between the two stocks.

About SR Bancorp

SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides customary retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Somerset, Middlesex, Hunterdon, and Essex counties in New Jersey. It offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides loans comprising one- to four family-residential mortgage loans, home equity loans and lines of credit, unsecured personal loans, and rehabilitation loans; and bill payment services. In addition, it is involved in the investment activities. The company was founded in 1887 and is headquartered in Bound Brook, New Jersey.

About WVS Financial

WVS Financial Corp. operates as the bank holding company for West View Savings Bank that provides various banking products and services in the United States. The company accepts various 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 offers single-family and multi-family residential real estate loans, commercial real estate loans, construction loans, consumer loans, land acquisition and development loans, and commercial loans. In addition, the company is involved in the investment activities. WVS Financial Corp. was founded in 1908 and is based in Pittsburgh, Pennsylvania.