Head-To-Head Contrast: Prudential Bancorp (PBIP) vs. Wellesley Bancorp (WEBK)

Prudential Bancorp (NASDAQ:PBIP) and Wellesley Bancorp (NASDAQ:WEBK) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, risk, dividends, earnings, analyst recommendations, institutional ownership and profitability.

Profitability

This table compares Prudential Bancorp and Wellesley Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Prudential Bancorp 22.92% N/A N/A
Wellesley Bancorp 16.54% 9.60% 0.71%

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Prudential Bancorp and Wellesley Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Prudential Bancorp 0 0 0 0 N/A
Wellesley Bancorp 0 0 0 0 N/A

Valuation and Earnings

This table compares Prudential Bancorp and Wellesley Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Prudential Bancorp $37.35 million 4.09 $7.06 million N/A N/A
Wellesley Bancorp $36.22 million 2.36 $5.99 million N/A N/A

Prudential Bancorp has higher revenue and earnings than Wellesley Bancorp.

Volatility and Risk

Prudential Bancorp has a beta of -0.13, meaning that its stock price is 113% less volatile than the S&P 500. Comparatively, Wellesley Bancorp has a beta of 0.93, meaning that its stock price is 7% less volatile than the S&P 500.

Dividends

Prudential Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.2%. Wellesley Bancorp pays an annual dividend of $0.22 per share and has a dividend yield of 0.7%. Wellesley Bancorp has increased its dividend for 3 consecutive years.

Insider and Institutional Ownership

40.2% of Prudential Bancorp shares are owned by institutional investors. Comparatively, 10.8% of Wellesley Bancorp shares are owned by institutional investors. 5.5% of Prudential Bancorp shares are owned by insiders. Comparatively, 16.7% of Wellesley Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

Prudential Bancorp beats Wellesley Bancorp on 7 of the 12 factors compared between the two stocks.

Prudential Bancorp Company Profile

Prudential Bancorp, Inc. operates as the bank holding company for Prudential Bank that provides various banking products or services. The company accepts interest-bearing and non-interest-bearing checking, money market, savings, and certificates of deposit accounts. Its loan portfolio comprises single-family residential mortgage loans, construction and land development loans, non-residential or commercial real estate mortgage loans, home equity loans and lines of credit, and commercial business loans, as well as consumer loans, such as loans secured by deposit accounts and unsecured personal loans. The company also manages a portfolio of investment and mortgage-backed securities; and provides ATM, and online and mobile banking services. As of November 30, 2018, it operated a main office in Philadelphia, Pennsylvania, as well as 9 additional full-service financial centers, including 7 in Philadelphia; 1 in Drexel Hill, Delaware County; and 1 in Huntingdon Valley, Montgomery County, Pennsylvania. Prudential Bancorp, Inc. was founded in 1886 and is based in Philadelphia, Pennsylvania.

Wellesley Bancorp Company Profile

Wellesley Bancorp, Inc. operates as the bank holding company for Wellesley Bank that provides various financial services to individuals, non-profit organizations, small businesses, and other entities in eastern Massachusetts. Its deposit products include noninterest-bearing demand deposits, such as checking accounts; interest-bearing demand accounts comprising negotiable order of withdrawal and money market accounts; savings accounts; and certificates of deposit. The company also offers residential mortgage loans, commercial real estate loans, and construction loans, as well as home equity lines of credit; other consumer loans that consist of fixed-rate second mortgage loans, automobile loans, loans secured by passbook or certificate accounts, and overdraft loans; and commercial business loans, such as term loans, revolving lines of credit, and equipment loans. In addition, it provides investment advisory services and remote capture products; and engages in buying, selling, and holding securities. As of December 31, 2017, Wellesley Bancorp, Inc. operated through executive offices and five full service branch offices located in Wellesley, Newton, and Boston; limited- hour branch service office in Needham, Massachusetts; and one full-service branch office in Newton Centre and Boston, as well as wealth management offices located in Wellesley. The company was founded in 1911 and is headquartered in Wellesley, Massachusetts.

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