WCF Bancorp (NASDAQ:WCFB) vs. FSB Bancorp (NASDAQ:FSBC) Financial Review

WCF Bancorp (NASDAQ:WCFB) and FSB Bancorp (NASDAQ:FSBC) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, risk, institutional ownership, profitability, analyst recommendations, valuation and dividends.

Valuation & Earnings

This table compares WCF Bancorp and FSB Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
WCF Bancorp $5.07 million 4.22 $230,000.00 N/A N/A
FSB Bancorp $15.26 million 2.19 $140,000.00 N/A N/A

WCF Bancorp has higher earnings, but lower revenue than FSB Bancorp.

Profitability

This table compares WCF Bancorp and FSB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
WCF Bancorp -1.40% -0.24% -0.05%
FSB Bancorp 0.04% 0.02% N/A

Institutional & Insider Ownership

21.3% of WCF Bancorp shares are held by institutional investors. Comparatively, 21.3% of FSB Bancorp shares are held by institutional investors. 0.8% of WCF Bancorp shares are held by company insiders. Comparatively, 9.2% of FSB Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Volatility and Risk

WCF Bancorp has a beta of 0.25, meaning that its stock price is 75% less volatile than the S&P 500. Comparatively, FSB Bancorp has a beta of 0.8, meaning that its stock price is 20% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for WCF Bancorp and FSB Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
WCF Bancorp 0 0 0 0 N/A
FSB Bancorp 0 0 0 0 N/A

Summary

FSB Bancorp beats WCF Bancorp on 7 of the 9 factors compared between the two stocks.

WCF Bancorp Company Profile

WCF Bancorp, Inc. operates as the savings and loan holding company for WCF Financial Bank that various banking products and services. The company accepts deposit accounts, such as statement savings, money market, and NOW accounts; and certificates of deposit. Its loan products include one-to-four family residential real estate loans; non-owner occupied one-to-four family residential real estate loans; commercial real estate loans; and consumer loans comprising new and used automobile loans, home improvement and home equity loans, recreational vehicle loans, and loans secured by certificates of deposits. The company also invests in securities. It operates one full-service branch in Independence, Iowa. WCF Bancorp, Inc. is based in Webster City, Iowa.

FSB Bancorp Company Profile

FSB Bancorp, Inc. operates as the bank holding company for Fairport Savings Bank that provides various financial services to individuals and corporate customers in Monroe County, New York. The company accepts savings, negotiable order of withdrawal, money market, and individual retirement accounts, as well as certificates of deposit and non-interest-bearing demand deposits. It also originates one- to four-family residential real estate mortgages, and home equity lines of credit, as well as commercial real estate, multi-family, construction, and commercial and industrial loans; and other loans consisting of automobile, passbook, overdraft protection, and unsecured loans. In addition, the company offers investment advisory services, such as annuities, insurance products, and mutual funds. It operates through four branch offices located in Penfield, Irondequoit, Webster, and Perinton, New York; and loan origination offices in Pittsford and Greece in the Rochester metropolitan area, as well as in Buffalo and Watertown, New York. The company was formerly known as FSB Community Bankshares, Inc. and changed its name to FSB Bancorp, Inc. in July 2016. FSB Bancorp, Inc. was founded in 1888 and is headquartered in Fairport, New York.

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