Reviewing WCF Bancorp (WCFB) & FFW (FFWC)

WCF Bancorp (NASDAQ:WCFB) and FFW (OTCMKTS:FFWC) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, valuation, risk, dividends, institutional ownership, profitability and analyst recommendations.

Earnings & Valuation

This table compares WCF Bancorp and FFW’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
WCF Bancorp $4.44 million 4.73 -$110,000.00 N/A N/A
FFW $18.48 million 2.36 $4.80 million N/A N/A

FFW has higher revenue and earnings than WCF Bancorp.

Insider & Institutional Ownership

19.6% of WCF Bancorp shares are owned by institutional investors. 0.6% of WCF Bancorp shares are owned by company insiders. Comparatively, 17.0% of FFW shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current recommendations and price targets for WCF Bancorp and FFW, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
WCF Bancorp 0 0 0 0 N/A
FFW 0 0 0 0 N/A

Dividends

WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.4%. FFW pays an annual dividend of $0.84 per share and has a dividend yield of 2.2%. WCF Bancorp has increased its dividend for 2 consecutive years. WCF Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares WCF Bancorp and FFW’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
WCF Bancorp 0.68% 0.12% 0.03%
FFW 23.96% N/A N/A

Risk and Volatility

WCF Bancorp has a beta of 0.41, meaning that its stock price is 59% less volatile than the S&P 500. Comparatively, FFW has a beta of 0.58, meaning that its stock price is 42% less volatile than the S&P 500.

Summary

WCF Bancorp beats FFW on 7 of the 12 factors compared between the two stocks.

About WCF Bancorp

WCF Bancorp, Inc. operates as the savings and loan holding company for WCF Financial Bank that various banking products and services. The company accepts deposit accounts, such as statement savings, money market, and NOW accounts; and certificates of deposit. Its loan products include one-to-four family residential real estate loans; non-owner occupied one-to-four family residential real estate loans; commercial real estate loans; and consumer loans comprising new and used automobile loans, home improvement and home equity loans, recreational vehicle loans, and loans secured by certificates of deposits. The company also invests in securities. It operates one full-service branch in Independence, Iowa. WCF Bancorp, Inc. is based in Webster City, Iowa.

About FFW

FFW Corporation operates as the bank holding company for Crossroads Bank that provides various banking products and services. It offers checking accounts; certificates of deposit, individual retirement accounts, statement accounts, Christmas club accounts, and health savings accounts; and overdraft protection accounts. The company also provides home equity, auto, RV, boat, motorcycle, and personal loans; mortgage loans; commercial real estate, agricultural, and small business administration loans; equipment financing and leasing products; and revolving lines of credit and standby letters of credit. It also provides personal and business credit cards; insurance products, such as auto, home and property, business, life and health, and specialty insurance; and investment products and securities, as well as mobile and online banking services. The company offers its products and services through its main office in Wabash; and five Indiana banking centers located in Columbia City, North Manchester, Peru, South Whitley, and Syracuse. FFW Corporation was founded in 1920 and is based in Wabash, Indiana.

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