Critical Contrast: NB Bancorp (NASDAQ:NBBK) vs. WVS Financial (NASDAQ:WVFC)

NB Bancorp (NASDAQ:NBBK) and WVS Financial (NASDAQ:WVFC) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, analyst recommendations, profitability, risk, valuation, institutional ownership and dividends.

Profitability

This table compares NB Bancorp and WVS Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
NB Bancorp	N/A	N/A	N/A
WVS Financial	8.63%	14.59%	1.49%

Analyst Recommendations

This is a summary of current recommendations and price targets for NB Bancorp and WVS Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NB Bancorp	0	0	1	0	3.00
WVS Financial	0	0	0	0	N/A

NB Bancorp currently has a consensus price target of $17.00, indicating a potential upside of 12.58%. Given NB Bancorp’s higher probable upside, research analysts clearly believe NB Bancorp is more favorable than WVS Financial.

Valuation and Earnings

This table compares NB Bancorp and WVS Financial’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NB Bancorp	$236.08 million	2.73	$9.82 million	N/A	N/A
WVS Financial	$13.43 million	1.71	$1.71 million	N/A	N/A

NB Bancorp has higher revenue and earnings than WVS Financial.

Institutional and Insider Ownership

6.3% of WVS Financial shares are held by institutional investors. 1.7% of NB Bancorp shares are held by company insiders. Comparatively, 13.5% of WVS Financial 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.

About NB Bancorp

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.

About WVS Financial

WVS Financial Corp. operates as the bank holding company for West View Savings Bank that provides various banking products and services in the United States. The company accepts various deposit products, including regular savings accounts, demand accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificates of deposit, as well as individual retirement account certificates. It also offers single-family and multi-family residential real estate loans, commercial real estate loans, construction loans, consumer loans, land acquisition and development loans, and commercial loans. In addition, the company is involved in the investment activities. WVS Financial Corp. was founded in 1908 and is based in Pittsburgh, Pennsylvania.