Timberland Bancorp (TSBK) & Prudential Bancorp (PBIP) Head-To-Head Comparison

Timberland Bancorp (NASDAQ:TSBK) and Prudential Bancorp (NASDAQ:PBIP) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their valuation, profitability, risk, analyst recommendations, dividends, earnings and institutional ownership.

Profitability

This table compares Timberland Bancorp and Prudential Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Timberland Bancorp 30.75% 14.22% 1.67%
Prudential Bancorp 18.91% N/A N/A

Valuation & Earnings

This table compares Timberland Bancorp and Prudential Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Timberland Bancorp $54.38 million 3.58 $16.72 million N/A N/A
Prudential Bancorp $37.35 million 4.26 $7.06 million N/A N/A

Timberland Bancorp has higher revenue and earnings than Prudential Bancorp.

Institutional and Insider Ownership

58.3% of Timberland Bancorp shares are held by institutional investors. Comparatively, 38.3% of Prudential Bancorp shares are held by institutional investors. 6.3% of Timberland Bancorp shares are held by company insiders. Comparatively, 4.8% of Prudential Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Volatility and Risk

Timberland Bancorp has a beta of 0.35, meaning that its stock price is 65% less volatile than the S&P 500. Comparatively, Prudential Bancorp has a beta of -0.17, meaning that its stock price is 117% less volatile than the S&P 500.

Dividends

Timberland Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 2.0%. Prudential Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.1%. Timberland Bancorp has raised its dividend for 2 consecutive years. Timberland Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Timberland Bancorp and Prudential Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Timberland Bancorp 0 0 0 0 N/A
Prudential Bancorp 0 0 0 0 N/A

Summary

Timberland Bancorp beats Prudential Bancorp on 10 of the 12 factors compared between the two stocks.

Timberland Bancorp Company Profile

Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various banking services in Washington. It offers various deposit products, including money market deposit accounts, checking accounts, regular savings accounts, and certificates of deposit. The company also provides one-to four-family residential, multi-family, commercial real estate, construction, custom and owner/builder construction, speculative one- to four-family construction, commercial construction, multi-family construction, land development construction, and land loans. In addition, it offers consumer loans comprising home equity lines of credit, second mortgage loans, and savings account loans; and automobile loans, boat loans, motorcycle loans, recreational vehicle loans, and unsecured loans, as well as commercial business loans. The company operates 22 branches located in Grays Harbor, Pierce, Thurston, Kitsap, King, and Lewis counties in Washington. As of September 30, 2017, it operated 22 proprietary ATMs. The company was founded in 1915 and is based in Hoquiam, Washington.

Prudential Bancorp Company Profile

Prudential Bancorp, Inc. is a bank holding company for Prudential Savings Bank, which engages in the provision of financial services. The company was founded in 2004 and is headquartered in Philadelphia, PA.

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