PCSB Financial (NASDAQ:PCSB) and Wellesley Bancorp (NASDAQ:WEBK) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, analyst recommendations, earnings, valuation, institutional ownership, dividends and profitability.
This table compares PCSB Financial and Wellesley Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
PCSB Financial pays an annual dividend of $0.12 per share and has a dividend yield of 0.6%. Wellesley Bancorp pays an annual dividend of $0.22 per share and has a dividend yield of 0.7%. Wellesley Bancorp has increased its dividend for 3 consecutive years. Wellesley Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Insider & Institutional Ownership
52.9% of PCSB Financial shares are held by institutional investors. Comparatively, 10.8% of Wellesley Bancorp shares are held by institutional investors. 1.8% of PCSB Financial shares are held by insiders. Comparatively, 16.7% of Wellesley Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Volatility & Risk
PCSB Financial has a beta of 0.55, suggesting that its share price is 45% less volatile than the S&P 500. Comparatively, Wellesley Bancorp has a beta of 0.93, suggesting that its share price is 7% less volatile than the S&P 500.
Valuation and Earnings
This table compares PCSB Financial and Wellesley Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|PCSB Financial||$50.48 million||6.78||$6.60 million||N/A||N/A|
|Wellesley Bancorp||$36.22 million||2.25||$5.99 million||N/A||N/A|
PCSB Financial has higher revenue and earnings than Wellesley Bancorp.
This is a summary of recent recommendations for PCSB Financial and Wellesley Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
PCSB Financial Company Profile
PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. Its deposits products include non-interest bearing demand, NOW, money market, escrow, and savings accounts, as well as time deposits and certificates of deposit. The company also offers commercial real estate, multi-family residential real estate, commercial business, construction, residential mortgage, and consumer loans, as well as home equity lines of credit. It provides its services from executive offices/headquarters and 15 banking offices. The company was founded in 1871 and is headquartered in Yorktown Heights, New York.
Wellesley Bancorp Company Profile
Wellesley Bancorp, Inc. operates as the bank holding company for Wellesley Bank that provides various financial services to individuals, non-profit organizations, small businesses, and other entities in eastern Massachusetts. Its deposit products include noninterest-bearing demand deposits, such as checking accounts; interest-bearing demand accounts comprising negotiable order of withdrawal and money market accounts; savings accounts; and certificates of deposit. The company also offers residential mortgage loans, commercial real estate loans, and construction loans, as well as home equity lines of credit; other consumer loans that consist of fixed-rate second mortgage loans, automobile loans, loans secured by passbook or certificate accounts, and overdraft loans; and commercial business loans, such as term loans, revolving lines of credit, and equipment loans. In addition, it provides investment advisory services and remote capture products; and engages in buying, selling, and holding securities. As of December 31, 2017, Wellesley Bancorp, Inc. operated through executive offices and five full service branch offices located in Wellesley, Newton, and Boston; limited- hour branch service office in Needham, Massachusetts; and one full-service branch office in Newton Centre and Boston, as well as wealth management offices located in Wellesley. The company was founded in 1911 and is headquartered in Wellesley, Massachusetts.
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