Financial Survey: Beneficial Bancorp (BNCL) and WVS Financial (WVFC)

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

Earnings & Valuation

This table compares Beneficial Bancorp and WVS Financial’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Beneficial Bancorp $226.63 million 5.21 $23.93 million N/A N/A
WVS Financial $10.14 million 2.73 $2.12 million N/A N/A

Beneficial Bancorp has higher revenue and earnings than WVS Financial.

Profitability

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

Net Margins Return on Equity Return on Assets
Beneficial Bancorp 12.85% 4.28% 0.76%
WVS Financial 20.88% 6.25% 0.60%

Institutional and Insider Ownership

70.8% of Beneficial Bancorp shares are held by institutional investors. Comparatively, 21.6% of WVS Financial shares are held by institutional investors. 5.5% of Beneficial Bancorp shares are held by insiders. Comparatively, 17.4% of WVS Financial 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.

Dividends

Beneficial Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.5%. WVS Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.3%.

Risk & Volatility

Beneficial Bancorp has a beta of 0.72, meaning that its share price is 28% less volatile than the S&P 500. Comparatively, WVS Financial has a beta of 0.81, meaning that its share price is 19% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for Beneficial Bancorp and WVS Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Beneficial Bancorp 0 1 2 0 2.67
WVS Financial 0 0 0 0 N/A

Beneficial Bancorp currently has a consensus target price of $19.83, indicating a potential upside of 26.01%. Given Beneficial Bancorp’s higher possible upside, analysts clearly believe Beneficial Bancorp is more favorable than WVS Financial.

Summary

Beneficial Bancorp beats WVS Financial on 7 of the 12 factors compared between the two stocks.

About Beneficial Bancorp

Beneficial Bancorp, Inc., together with its subsidiaries, provides consumer and commercial banking services to individuals, businesses, and nonprofit organizations in Philadelphia and Southern New Jersey area. The company accepts various deposit products, including non-interest bearing demand deposits, such as individual checking accounts; interest-bearing demand accounts comprising NOW, municipal, and money market accounts; savings accounts; certificates of deposit; and commercial checking accounts, as well as checking accounts primarily for small businesses. It also provides cash management services that include remote deposit, lockbox service, and sweep accounts; and certificate of deposit account registry service and brokered certificates of deposit. In addition, the company offers a portfolio of commercial loans and leases, which comprises business loans, small business leases, commercial real estate loans, and commercial construction loans; residential loans, including one- to four-family residential real estate loans; and consumer personal loans, such as home equity loans and lines of credit, automobile loans, personal loans, recreational vehicles, and educational loans. Further, it provides insurance brokerage and wealth management services; and property, casualty, life, and health and benefits insurance services. Additionally, the company holds title to various securities and other investments; holds and manages other real estate owned properties. The company was founded in 1853 and is headquartered in Philadelphia, Pennsylvania.

About WVS Financial

WVS Financial Corp. operates as the bank holding company for West View Savings Bank that provides various banking products and services to residents and businesses. The company offers 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 provides single-family and multi-family residential real estate loans; commercial real estate loans; construction loans; land acquisition and development loans; commercial loans comprising loans secured by accounts receivable, marketable investment securities, business inventory and equipment, and related collaterals; and consumer loans, such as home equity loans, home equity lines of credit, loans secured by deposit accounts, and personal and education loans. The company operates six offices in the North Hills suburbs of Pittsburgh, Pennsylvania. WVS Financial Corp. was founded in 1993 and is based in Pittsburgh, Pennsylvania.

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