Central Pacific Financial (NYSE:CPF) & Westbury Bancorp (OTCMKTS:WBBW) Critical Comparison

Central Pacific Financial (NYSE:CPF) and Westbury Bancorp (OTCMKTS:WBBW) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, valuation, analyst recommendations, profitability, institutional ownership, earnings and risk.

Volatility & Risk

Central Pacific Financial has a beta of 1.18, suggesting that its stock price is 18% more volatile than the S&P 500. Comparatively, Westbury Bancorp has a beta of 0.13, suggesting that its stock price is 87% less volatile than the S&P 500.

Profitability

This table compares Central Pacific Financial and Westbury Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Central Pacific Financial	16.10%	11.44%	0.79%
Westbury Bancorp	N/A	N/A	N/A

Analyst Ratings

This is a summary of current recommendations for Central Pacific Financial and Westbury Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Central Pacific Financial	0	0	1	0	3.00
Westbury Bancorp	0	0	0	0	0.00

Central Pacific Financial presently has a consensus target price of $24.00, suggesting a potential downside of 15.58%. Given Central Pacific Financial’s stronger consensus rating and higher possible upside, analysts plainly believe Central Pacific Financial is more favorable than Westbury Bancorp.

Valuation & Earnings

This table compares Central Pacific Financial and Westbury Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Central Pacific Financial	$248.92 million	3.09	$58.67 million	$2.10	13.54
Westbury Bancorp	$34.41 million	1.60	$7.99 million	N/A	N/A

Central Pacific Financial has higher revenue and earnings than Westbury Bancorp.

Insider & Institutional Ownership

88.4% of Central Pacific Financial shares are owned by institutional investors. Comparatively, 0.3% of Westbury Bancorp shares are owned by institutional investors. 2.7% of Central Pacific Financial shares are owned by company insiders. Comparatively, 10.9% of Westbury Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Central Pacific Financial beats Westbury Bancorp on 11 of the 12 factors compared between the two stocks.

About Central Pacific Financial

Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. The company also provides various lending activities, such as commercial, commercial and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, cash management services, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, it offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, and planning services. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.

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.