Comparing PCSB Financial (PCSB) and WVS Financial (WVFC)

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

Dividends

PCSB Financial pays an annual dividend of $0.12 per share and has a dividend yield of 0.6%. WVS Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.2%. WVS Financial has raised 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.

Insider & Institutional Ownership

49.8% of PCSB Financial shares are owned by institutional investors. Comparatively, 21.4% of WVS Financial shares are owned by institutional investors. 1.8% of PCSB Financial shares are owned by insiders. Comparatively, 17.4% of WVS Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PCSB Financial $50.48 million 7.37 $6.60 million N/A N/A
WVS Financial $10.14 million 2.89 $2.12 million N/A N/A

PCSB Financial has higher revenue and earnings than WVS Financial.

Volatility & Risk

PCSB Financial has a beta of 0.63, meaning that its share price is 37% less volatile than the S&P 500. Comparatively, WVS Financial has a beta of 0.79, meaning that its share price is 21% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and target prices for PCSB Financial and WVS Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PCSB Financial 0 1 1 0 2.50
WVS Financial 0 0 0 0 N/A

PCSB Financial currently has a consensus target price of $24.00, suggesting a potential upside of 18.34%. Given PCSB Financial’s higher probable upside, analysts plainly believe PCSB Financial is more favorable than WVS Financial.

Profitability

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

Net Margins Return on Equity Return on Assets
PCSB Financial 13.88% 3.12% 0.61%
WVS Financial 22.02% 6.92% 0.67%

Summary

WVS Financial beats PCSB Financial on 7 of the 13 factors compared between the two stocks.

PCSB Financial Company Profile

PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. Its deposits products include non-interest bearing demand, NOW, money market, escrow, and savings accounts, as well as time deposits and certificates of deposit. The company also offers commercial real estate, multi-family residential real estate, commercial business, construction, residential mortgage, and consumer loans, as well as home equity lines of credit. It provides its services from executive offices/headquarters and 15 banking offices. The company was founded in 1871 and is headquartered in Yorktown Heights, New York.

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.

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