Analyzing Westbury Bancorp (OTCMKTS:WBBW) & C&F Financial (NASDAQ:CFFI)

Westbury Bancorp (OTCMKTS:WBBW) and C&F Financial (NASDAQ:CFFI) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, dividends, profitability, valuation, risk and earnings.

Analyst Recommendations

This is a summary of current recommendations for Westbury Bancorp and C&F Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Westbury Bancorp	0	0	0	0	N/A
C&F Financial	0	0	0	0	N/A

Institutional & Insider Ownership

0.3% of Westbury Bancorp shares are owned by institutional investors. Comparatively, 37.2% of C&F Financial shares are owned by institutional investors. 10.9% of Westbury Bancorp shares are owned by company insiders. Comparatively, 6.3% of C&F Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Volatility and Risk

Westbury Bancorp has a beta of 0.15, indicating that its stock price is 85% less volatile than the S&P 500. Comparatively, C&F Financial has a beta of 0.36, indicating that its stock price is 64% less volatile than the S&P 500.

Profitability

This table compares Westbury Bancorp and C&F Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Westbury Bancorp	N/A	N/A	N/A
C&F Financial	12.16%	9.05%	0.79%

Earnings and Valuation

This table compares Westbury Bancorp and C&F Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Westbury Bancorp	$34.41 million	1.53	$7.99 million	N/A	N/A
C&F Financial	$123.32 million	1.66	$23.60 million	$6.06	10.06

C&F Financial has higher revenue and earnings than Westbury Bancorp.

Summary

C&F Financial beats Westbury Bancorp on 8 of the 9 factors compared between the two stocks.

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, money market accounts, certificates of deposit, and term certificate accounts; personal, mortgage, one-to four-family residential real estate, multi-family, commercial business, loans, commercial real estate loans, and construction loans; credit cards; and online and mobile banking services. Westbury Bancorp, Inc. was founded in 1926 and is headquartered in Waukesha, Wisconsin.

About C&F Financial

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, and debit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. The Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan production services to third parties for residential appraisals, as well as various mortgage origination activities. The Consumer Finance segment provides automobile loans. It also offers brokerage and wealth management services, and insurance products and services, as well as title and settlement agency. C&F Financial Corporation was founded in 1927 and is headquartered in Toano, Virginia.