Live Oak Bancshares (NASDAQ:LOB) and Westbury Bancorp (OTCMKTS:WBBW) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, earnings, analyst recommendations, profitability and valuation.
Earnings and Valuation
This table compares Live Oak Bancshares and Westbury Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Live Oak Bancshares||$295.86 million||6.72||$18.03 million||$0.44||111.14|
|Westbury Bancorp||$38.64 million||1.78||$6.89 million||N/A||N/A|
This is a summary of recent recommendations and price targets for Live Oak Bancshares and Westbury Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Live Oak Bancshares||0||1||2||1||3.00|
Live Oak Bancshares presently has a consensus price target of $39.50, indicating a potential downside of 19.22%. Given Live Oak Bancshares’ higher possible upside, equities analysts clearly believe Live Oak Bancshares is more favorable than Westbury Bancorp.
Insider & Institutional Ownership
40.0% of Live Oak Bancshares shares are owned by institutional investors. Comparatively, 7.2% of Westbury Bancorp shares are owned by institutional investors. 25.1% of Live Oak Bancshares shares are owned by company insiders. Comparatively, 10.9% of Westbury Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
This table compares Live Oak Bancshares and Westbury Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Live Oak Bancshares||10.11%||6.83%||0.57%|
Volatility & Risk
Live Oak Bancshares has a beta of 1.3, indicating that its share price is 30% more volatile than the S&P 500. Comparatively, Westbury Bancorp has a beta of 0.34, indicating that its share price is 66% less volatile than the S&P 500.
Live Oak Bancshares beats Westbury Bancorp on 12 of the 13 factors compared between the two stocks.
About Live Oak Bancshares
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to new funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.
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; personal, commercial, and mortgage loans; credit card services; and online and mobile banking services. It operates eight banking offices and one loan production office in Washington, Waukesha, and Dane Counties. Westbury Bancorp, Inc. is based in West Bend, Wisconsin.
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