Westbury Bancorp, Inc. operates as a savings and loan holding company for Westbury Bank that provides various banking and financial products and services for individuals, families, and businesses in the United States.
Solid track record with adequate balance sheet.
Share Price & News
How has Westbury Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: WBBW has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: WBBW exceeded the US Mortgage industry which returned 5.7% over the past year.
Return vs Market: WBBW exceeded the US Market which returned 19.4% over the past year.
Price Volatility Vs. Market
How volatile is Westbury Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Westbury Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate WBBW's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate WBBW's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: WBBW is good value based on its PE Ratio (12.8x) compared to the Mortgage industry average (13.7x).
PE vs Market: WBBW is good value based on its PE Ratio (12.8x) compared to the US market (18.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate WBBW's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: WBBW is overvalued based on its PB Ratio (1.1x) compared to the US Mortgage industry average (1.1x).
How is Westbury Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Westbury Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Check out Westbury Bancorp's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Westbury Bancorp's filings and announcements here.
- Explore growth companies in the Banks industry.
How has Westbury Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: WBBW has high quality earnings.
Growing Profit Margin: WBBW's current net profit margins (22.2%) are higher than last year (19%).
Past Earnings Growth Analysis
Earnings Trend: WBBW has become profitable over the past 5 years, growing earnings by 24.5% per year.
Accelerating Growth: WBBW's earnings growth over the past year (24.5%) exceeds its 5-year average (24.5% per year).
Earnings vs Industry: WBBW earnings growth over the past year (24.5%) exceeded the Mortgage industry 11.1%.
Return on Equity
High ROE: WBBW's Return on Equity (8.7%) is considered low.
Return on Assets
Return on Capital Employed
How is Westbury Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: WBBW has a low level of unsold assets or inventory.
Debt Coverage by Assets: Insufficient data to determine if WBBW's debt is covered by short term assets.
Financial Institutions Analysis
Asset Level: WBBW's level of assets compared to its equity is moderate.
Allowance for Bad Loans: Insufficient data to determine if WBBW has a sufficient allowance for bad loans.
Low Risk Liabilities: WBBW's liabilities are made up of primarily low risk sources of funding.
Loan Level: WBBW has an acceptable proportion of non-loan assets held.
Low Risk Deposits: WBBW's loans are broadly funded by customer deposits.
Level of Bad Loans: Insufficient data to determine if WBBW has an appropriate level of bad loans.
What is Westbury Bancorp's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate WBBW's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate WBBW's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if WBBW's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if WBBW's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of WBBW's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Greg Remus (49yo)
Mr. Greg J. Remus has been the Chief Executive Officer of Westbury Bank and Westbury Bancorp, Inc. since October 1, 2015. He has been President of Westbury Bancorp, Inc. since January 1, 2015. Mr. Remus se ...
CEO Compensation Analysis
Compensation vs Market: Greg's total compensation ($USD0.00) is below average for companies of similar size in the US market ($USD519.76K).
Compensation vs Earnings: Greg's compensation has increased by more than 20% in the past year.
|Executive VP||0yrs||US$291.23k||no data|
|Executive VP & Chief Commercial Lending Officer||4.3yrs||US$322.59k||no data|
|Executive VP||0yrs||no data||no data|
|Senior VP & General Counsel||0yrs||no data||no data|
|Executive VP & Chief Community Banking Officer||4.3yrs||no data||no data|
|Senior Vice President of Commercial Banking||2.3yrs||no data||no data|
|EVP & Chief Risk Officer||0yrs||no data||no data|
|Senior VP||4.6yrs||no data||no data|
Experienced Management: WBBW's management team is considered experienced (4.3 years average tenure).
|Executive VP||0yrs||no data||no data|
|Independent Director||6.1yrs||US$28.10k||no data|
|Independent Director||3.6yrs||US$25.80k||no data|
|Independent Director||13.1yrs||US$26.70k||no data|
|Vice Chairman of the Board||0yrs||US$5.78k||no data|
|Director||1.6yrs||no data||no data|
Experienced Board: WBBW's board of directors are considered experienced (3.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Westbury Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Westbury Bancorp, Inc.
- Ticker: WBBW
- Exchange: OTCPK
- Founded: 1926
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$94.723m
- Shares outstanding: 3.35m
- Website: https://www.westburybankwi.com
Number of Employees
- Westbury Bancorp, Inc.
- 200 South Main Street
- West Bend
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|WBBW||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Apr 2013|
Westbury Bancorp, Inc. operates as a savings and loan holding company for Westbury Bank that provides various banking and financial products and services for individuals, families, and businesses in the United States. The company offers deposit accounts, such as non-interest-bearing and interest-bearing checking accounts, passbook and statement savings accounts, variable rate money market accounts, certificates of deposit, and term certificate accounts. Its loan portfolio includes commercial real estate loans, one-to four-family residential real estate loans, multi-family loans, commercial business loans, and construction loans; and consumer loans comprising home equity lines of credit and automobile loans, as well as education loans. In addition, the company offers online and mobile banking, and remote deposit capture services. It operates eight banking offices in Washington and Waukesha counties, Wisconsin; and loan production offices in Dane and Outagamie counties, Wisconsin. The company also operates nine ATMs at its branches and one other at a stand-alone location. Westbury Bancorp, Inc. was founded in 1926 and is headquartered in West Bend, Wisconsin.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/19 01:38|
|End of Day Share Price||2020/02/18 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.