Analyzing OP Bancorp (NASDAQ:OPBK) and Westbury Bancorp (OTCMKTS:WBBW)

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

Institutional & Insider Ownership

0.3% of Westbury Bancorp shares are held by institutional investors. Comparatively, 53.6% of OP Bancorp shares are held by institutional investors. 10.9% of Westbury Bancorp shares are held by company insiders. Comparatively, 21.3% of OP Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of current ratings and target prices for Westbury Bancorp and OP Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Westbury Bancorp	0	0	0	0	0.00
OP Bancorp	0	1	0	0	2.00

OP Bancorp has a consensus target price of $13.00, suggesting a potential downside of 16.56%. Given OP Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe OP Bancorp is more favorable than Westbury Bancorp.

Volatility and Risk

Westbury Bancorp has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500. Comparatively, OP Bancorp has a beta of 0.64, suggesting that its share price is 36% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Westbury Bancorp	N/A	N/A	N/A
OP Bancorp	14.18%	10.81%	0.94%

Earnings & Valuation

This table compares Westbury Bancorp and OP Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Westbury Bancorp	$34.41 million	1.55	$7.99 million	N/A	N/A
OP Bancorp	$80.60 million	2.86	$23.92 million	$1.40	11.13

OP Bancorp has higher revenue and earnings than Westbury Bancorp.

Summary

OP Bancorp beats Westbury Bancorp on 11 of the 11 factors compared between the two stocks.

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.

About OP Bancorp

OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. The company operates full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas; and operates loan production offices in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; and Lynnwood in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.