OTCPK:WBBW

Stock Analysis Report

Executive Summary

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.

Rewards

PE ratio (12.8x) is below the US market (18.3x)

Earnings grew by 24.5% over the past year

Risk Analysis

Does not have a meaningful market cap ($95M)



Snowflake Analysis

Solid track record with adequate balance sheet.


Similar Companies

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.


Market Performance


7 Day Return

0%

WBBW

-1.9%

US Mortgage

0.06%

US Market


1 Year Return

26.9%

WBBW

5.7%

US Mortgage

19.4%

US Market

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.


Shareholder returns

WBBWIndustryMarket
7 Day0%-1.9%0.06%
30 Day-3.6%-1.8%1.1%
90 Day-2.4%-1.8%8.9%
1 Year26.9%26.9%8.2%5.7%21.9%19.4%
3 Year29.2%29.2%19.0%10.6%48.9%39.3%
5 Year69.8%69.8%60.2%42.4%71.9%53.1%

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

Valuation

Is Westbury Bancorp undervalued compared to its fair value and its price relative to the market?

12.8x

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).


Next Steps

Future Growth

How is Westbury Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

6.3%

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.


Next Steps

Past Performance

How has Westbury Bancorp performed over the past 5 years?

24.5%

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


Next Steps

Financial Health

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


Balance Sheet

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.


Next Steps

Dividend

What is Westbury Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage2.9%forecastin3Yearsn/a

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.3yrs

Average management tenure


CEO

Greg Remus (49yo)

4.3yrs

Tenure

US$556,910

Compensation

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.


Leadership Team

NamePositionTenureCompensationOwnership
Greg Remus
Chairman4.3yrsUS$556.91kno data
Kirk Emerich
Executive VP0yrsUS$291.23kno data
Glenn Stadler
Executive VP & Chief Commercial Lending Officer4.3yrsUS$322.59kno data
Stephen Sinner
Executive VP0yrsno datano data
Steven Ritt
Senior VP & General Counsel0yrsno datano data
Peter Lee
Executive VP & Chief Community Banking Officer4.3yrsno datano data
Kevin Flood
Senior Vice President of Commercial Banking2.3yrsno datano data
Ryan Petri
EVP & Chief Risk Officer0yrsno datano data
Michael Holland
Senior VP4.6yrsno datano data

4.3yrs

Average Tenure

55yo

Average Age

Experienced Management: WBBW's management team is considered experienced (4.3 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Greg Remus
Chairman4.3yrsUS$556.91kno data
Stephen Sinner
Executive VP0yrsno datano data
Rondi Rohr-Dralle
Independent Director6.1yrsUS$28.10kno data
David Jorgensen
Independent Director3.6yrsUS$25.80kno data
Terry Wendorff
Independent Director13.1yrsUS$26.70kno data
Donald Murn
Vice Chairman of the Board0yrsUS$5.78kno data
Justin Herman
Director1.6yrsno datano data

3.6yrs

Average Tenure

59.5yo

Average Age

Experienced Board: WBBW's board of directors are considered experienced (3.6 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Westbury Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Westbury Bancorp, Inc.
  • 200 South Main Street
  • West Bend
  • Wisconsin
  • 53095
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WBBWOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 2013

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/02/19 01:38
End of Day Share Price2020/02/18 00:00
Earnings2019/12/31
Annual Earnings2018/09/30


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.