Contrasting Westbury Bancorp (OTCMKTS:WBBW) & Five Star Bancorp (NASDAQ:FSBC)

Five Star Bancorp (NASDAQ:FSBC) and Westbury Bancorp (OTCMKTS:WBBW) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, valuation, risk, profitability and institutional ownership.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Five Star Bancorp and Westbury Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Five Star Bancorp	0	1	3	0	2.75
Westbury Bancorp	0	0	0	0	0.00

Five Star Bancorp currently 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 possible upside, equities analysts plainly believe Five Star Bancorp is more favorable than Westbury Bancorp.

Valuation & Earnings

This table compares Five Star Bancorp and Westbury Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Five Star Bancorp	$213.40 million	3.08	$45.67 million	$2.28	13.54
Westbury Bancorp	$34.41 million	1.63	$7.99 million	N/A	N/A

Five Star Bancorp has higher revenue and earnings than Westbury Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Five Star Bancorp	21.40%	12.89%	1.25%
Westbury Bancorp	N/A	N/A	N/A

Risk and Volatility

Five Star Bancorp has a beta of 0.48, suggesting that its share price is 52% less volatile than the S&P 500. Comparatively, Westbury Bancorp has a beta of 0.14, suggesting that its share price is 86% less volatile than the S&P 500.

Institutional and Insider Ownership

46.9% of Five Star Bancorp shares are held by institutional investors. Comparatively, 0.3% of Westbury Bancorp shares are held by institutional investors. 25.6% of Five Star Bancorp 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 hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Five Star Bancorp beats Westbury Bancorp on 12 of the 12 factors compared between the two stocks.

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.

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.