Salisbury Bancorp (NASDAQ:SAL) and WCF Bancorp (NASDAQ:WCFB) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, valuation, dividends, analyst recommendations, earnings and institutional ownership.
Salisbury Bancorp pays an annual dividend of $1.12 per share and has a dividend yield of 2.9%. WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.4%. Salisbury Bancorp pays out 37.2% of its earnings in the form of a dividend.
This table compares Salisbury Bancorp and WCF Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a breakdown of current recommendations and price targets for Salisbury Bancorp and WCF Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Risk & Volatility
Salisbury Bancorp has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500. Comparatively, WCF Bancorp has a beta of 0.25, meaning that its stock price is 75% less volatile than the S&P 500.
Insider & Institutional Ownership
8.1% of Salisbury Bancorp shares are owned by institutional investors. Comparatively, 21.3% of WCF Bancorp shares are owned by institutional investors. 13.2% of Salisbury Bancorp shares are owned by company insiders. Comparatively, 0.8% of WCF Bancorp shares are owned by company 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 and Earnings
This table compares Salisbury Bancorp and WCF Bancorp’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Salisbury Bancorp||$49.32 million||2.20||$8.82 million||$3.01||12.86|
|WCF Bancorp||$5.07 million||4.29||$230,000.00||N/A||N/A|
Salisbury Bancorp has higher revenue and earnings than WCF Bancorp.
Salisbury Bancorp beats WCF Bancorp on 9 of the 12 factors compared between the two stocks.
Salisbury Bancorp Company Profile
Salisbury Bancorp, Inc. operates as the bank holding company for Salisbury Bank and Trust Company that provides commercial banking, consumer financing, retail banking, and trust and wealth advisory services. It offers various retail and commercial deposit products. The company also provides loans, such as residential and commercial real estate loans; construction loans; commercial loans; and consumer loans, including home equity loans and lines of credit, and auto and personal installment loans. In addition, it offers a range of fiduciary services, including trust and estate administration, wealth advisory, and investment management services to individuals, families, businesses, and institutions. Further, the company provides additional depositor related services consisting of landlord/tenant lease security accounts and services, merchant services, payroll services, ATM services, bank-by-phone services, Internet banking services, Internet bill pay services, person to person payments, bank to bank transfers, mobile banking services, and online financial management with account aggregation services, as well as cash management services, including remote deposit capture, ACH origination, 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. Salisbury Bancorp, Inc. was founded in 1848 and is headquartered in Lakeville, Connecticut.
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.
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