Salisbury Bancorp (NASDAQ:SAL – Get Rating) and WCF Bancorp (OTCMKTS:WCFB – Get Rating) are both small cap finance companies, but which is the better company? We’ll compare the two companies based on earnings strength, risk, institutional ownership, profitability, valuation, analyst recommendations and dividends.
Valuation and benefits
This table compares gross revenue, earnings per share (EPS) and valuation of Salisbury Bancorp and WCF Bancorp.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Salisbury Bancorp||$55.57 million||2.59||$16.47 million||$5.38||9.29|
|WCF Bancorp||N / A||N / A||N / A||N / A||N / A|
Salisbury Bancorp has higher revenue and profit than WCF Bancorp.
This table compares the net margins, return on equity and return on assets of Salisbury Bancorp and WCF Bancorp.
|Net margins||Return on equity||return on assets|
|WCF Bancorp||N / A||N / A||N / A|
Salisbury Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 2.6%. WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.5%. Salisbury Bancorp pays 23.8% of its profits as a dividend. Salisbury Bancorp has increased its dividend for 3 consecutive years. Salisbury Bancorp is clearly the better dividend-paying stock, given its higher yield and longer track record of dividend growth.
Institutional and insider ownership
23.1% of Salisbury Bancorp shares are held by institutional investors. 8.8% of Salisbury Bancorp shares are held by insiders of the company. By comparison, 0.8% of WCF Bancorp’s shares are held by company insiders. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a company will outperform the market over the long term.
Volatility and risk
Salisbury Bancorp has a beta of 0.76, meaning its stock price is 24% less volatile than the S&P 500. Comparatively, WCF Bancorp has a beta of 0.39, meaning its stock price is 61% less volatile than the S&P 500.
This is a breakdown of recent ratings from Salisbury Bancorp and WCF Bancorp, as reported by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Salisbury Bancorp||0||0||0||0||N / A|
|WCF Bancorp||0||0||0||0||N / A|
Salisbury Bancorp beats WCF Bancorp on 9 out of 10 factors compared between the two stocks.
Salisbury Bancorp Company Profile (Get an assessment)
Salisbury Bancorp, Inc. operates as a bank holding company for Salisbury Bank and Trust Company which provides commercial banking, consumer finance, retail banking, and trust and wealth advisory services. It offers various deposit products to individuals and businesses. The company also provides loans, such as residential and commercial real estate loans; building loans; working capital loans; equipment loans; and consumer loans, including home equity loans and lines of credit, secured loans, and auto and personal installment loans. In addition, it offers a range of fiduciary services, including trust and estate administration, wealth advice and investment management services to individuals, families, businesses and institutions. In addition, the Company provides additional depositor-related services, including landlord/tenant accounts and lease guarantee services, merchant services, payroll services, ATM services, telephone banking, Internet banking, Internet bill payment services, person-to-person payments, bank-to-bank wire transfers, mobile banking with remote deposit and online financial management with account aggregation services, as well as cash management services, including remote deposit capture, ACH issuance, wire transfers and positive pay services. It operates through a network of 14 banking offices and 10 ATMs located in Litchfield County, Connecticut; Dutchess, Orange, and Ulster Counties, New York; and Berkshire County, Massachusetts. The company was founded in 1848 and is based in Lakeville, Connecticut.
WCF Bancorp Company Profile (Get an assessment)
WCF Bancorp, Inc. operates as a bank holding company for WCF Financial Bank which provides commercial banking products and services to individuals and businesses. The company offers checking and savings accounts; certificates of deposit; consumer and mortgage loans; debit and credit cards; safes and security vouchers; order cheques; and other products. The company was founded in 1934 and is based in Webster City, Iowa.
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