Analyzing Bank7 (NASDAQ:BSVN) and Westbury Bancorp (OTCMKTS:WBBW)

Westbury Bancorp (OTCMKTS:WBBW) and Bank7 (NASDAQ:BSVN) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, earnings, valuation, profitability, risk and dividends.

Earnings and Valuation

This table compares Westbury Bancorp and Bank7’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Westbury Bancorp	$34.41 million	1.33	$7.99 million	N/A	N/A
Bank7	$98.23 million	3.48	$28.27 million	$3.41	10.85

Bank7 has higher revenue and earnings than Westbury Bancorp.

Insider and Institutional Ownership

0.3% of Westbury Bancorp shares are held by institutional investors. Comparatively, 23.5% of Bank7 shares are held by institutional investors. 10.9% of Westbury Bancorp shares are held by company insiders. Comparatively, 44.0% of Bank7 shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Westbury Bancorp and Bank7’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
Bank7	22.22%	18.36%	1.79%

Analyst Ratings

This is a breakdown of current ratings and price targets for Westbury Bancorp and Bank7, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Westbury Bancorp	0	0	0	0	N/A
Bank7	0	1	2	0	2.67

Bank7 has a consensus price target of $37.00, suggesting a potential downside of 0.03%. Given Bank7’s higher possible upside, analysts plainly believe Bank7 is more favorable than Westbury Bancorp.

Volatility and Risk

Westbury Bancorp has a beta of 0.15, indicating that its share price is 85% less volatile than the S&P 500. Comparatively, Bank7 has a beta of 1.49, indicating that its share price is 49% more volatile than the S&P 500.

Summary

Bank7 beats Westbury Bancorp on 11 of the 11 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 Bank7

Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers. It offers commercial deposit, commercial checking, money market, and other deposit accounts; and retail deposit services, such as certificates of deposit, money market accounts, checking accounts, negotiable order of withdrawal accounts, savings accounts, and automated teller machine access. The company also provides commercial real estate, hospitality, energy, and commercial and industrial lending services; consumer lending services to individuals for personal and household purposes comprising residential real estate loans and mortgage banking services, personal lines of credit, loans for the purchase of automobiles, and other installment loans, as well as secured and unsecured term loans and home improvement loans. It operates through a network of full-service branches in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas. The company was formerly known as Haines Financial Corp. Bank7 Corp. was founded in 1901 and is headquartered in Oklahoma City, Oklahoma.