WCF Bancorp (NASDAQ:WCFB) and Western New England Bancorp (NASDAQ:WNEB) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, dividends, institutional ownership, valuation, analyst recommendations, profitability and earnings.
Risk & Volatility
WCF Bancorp has a beta of 0.25, suggesting that its share price is 75% less volatile than the S&P 500. Comparatively, Western New England Bancorp has a beta of 0.21, suggesting that its share price is 79% less volatile than the S&P 500.
This is a summary of recent recommendations and price targets for WCF Bancorp and Western New England Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Western New England Bancorp||0||1||2||0||2.67|
Western New England Bancorp has a consensus target price of $10.50, suggesting a potential upside of 6.49%. Given Western New England Bancorp’s higher possible upside, analysts plainly believe Western New England Bancorp is more favorable than WCF Bancorp.
WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.3%. Western New England Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.0%. Western New England Bancorp pays out 35.7% of its earnings in the form of a dividend.
This table compares WCF Bancorp and Western New England Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Western New England Bancorp||16.17%||6.16%||0.68%|
Insider & Institutional Ownership
21.3% of WCF Bancorp shares are owned by institutional investors. Comparatively, 52.4% of Western New England Bancorp shares are owned by institutional investors. 0.8% of WCF Bancorp shares are owned by insiders. Comparatively, 5.2% of Western New England Bancorp shares are owned by 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.
Earnings & Valuation
This table compares WCF Bancorp and Western New England Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|WCF Bancorp||$5.07 million||4.34||$230,000.00||N/A||N/A|
|Western New England Bancorp||$88.22 million||2.98||$16.41 million||$0.56||17.61|
Western New England Bancorp has higher revenue and earnings than WCF Bancorp.
Western New England Bancorp beats WCF Bancorp on 9 of the 13 factors compared between the two stocks.
About WCF Bancorp
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.
About Western New England Bancorp
Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides commercial and retail banking products and services to individuals and businesses. The company accepts various deposit accounts, including checking, savings, business and municipal savings, money market and business sweep, and individual retirement accounts; time deposits; term certificates of deposit; and interest on lawyers trust accounts. It also offers commercial real estate loans secured by one-to-four and multi-family apartment buildings, office, industrial, or mixed-use facilities, or other commercial properties; commercial construction loans; commercial and industrial loans, such as revolving lines of credit, working capital loans, equipment financing and term loans; residential real estate loans secured by one-to-four family residential properties; home equity loans; and consumer loans. In addition, the company provides automated teller machines (ATM), telephone and online banking, remote deposit capture, cash management services, overdraft facilities, night deposit services, and safe deposit facilities. It operates a network of 22 banking offices, 24 free-standing ATMs, and 24 seasonal or temporary ATMS located in Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield and Westfield, Massachusetts and Granby and Enfield, Connecticut. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. Western New England Bancorp, Inc. was founded in 1853 and is headquartered in Westfield, Massachusetts.
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