Citizens & Northern (NASDAQ:CZNC) and Westbury Bancorp (OTCMKTS:WBBW) Head to Head Contrast

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

Institutional & Insider Ownership

30.8% of Citizens & Northern shares are held by institutional investors. Comparatively, 0.3% of Westbury Bancorp shares are held by institutional investors. 4.7% of Citizens & Northern shares are held by insiders. Comparatively, 10.9% of Westbury Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Citizens & Northern and Westbury Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	9.67%	7.47%	0.81%
Westbury Bancorp	N/A	N/A	N/A

Valuation and Earnings

This table compares Citizens & Northern and Westbury Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens & Northern	$130.31 million	2.90	$23.43 million	$1.09	19.33
Westbury Bancorp	N/A	N/A	N/A	N/A	N/A

Citizens & Northern has higher revenue and earnings than Westbury Bancorp.

Analyst Ratings

This is a breakdown of current ratings and target prices for Citizens & Northern and Westbury Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens & Northern	1	3	0	0	1.75
Westbury Bancorp	0	0	0	0	0.00

Citizens & Northern currently has a consensus target price of $23.50, indicating a potential upside of 11.53%. Given Citizens & Northern’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Citizens & Northern is more favorable than Westbury Bancorp.

Volatility & Risk

Citizens & Northern has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500. Comparatively, Westbury Bancorp has a beta of -0.2, meaning that its stock price is 120% less volatile than the S&P 500.

Summary

Citizens & Northern beats Westbury Bancorp on 8 of the 9 factors compared between the two stocks.

About Citizens & Northern

Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm’s lending products include mortgage loans, commercial loans, and consumer loans. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.

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.