Orrstown Financial Services (NASDAQ:ORRF) and Westbury Bancorp (OTCMKTS:WBBW) Head to Head Analysis

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

Valuation & Earnings

This table compares Orrstown Financial Services 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
Orrstown Financial Services	$286.37 million	2.26	$22.05 million	$2.24	14.86
Westbury Bancorp	$34.41 million	1.76	$7.99 million	N/A	N/A

Orrstown Financial Services has higher revenue and earnings than Westbury Bancorp.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Orrstown Financial Services and Westbury Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Orrstown Financial Services	0	0	4	0	3.00
Westbury Bancorp	0	0	0	0	0.00

Orrstown Financial Services presently has a consensus target price of $39.25, suggesting a potential upside of 17.94%. Given Orrstown Financial Services’ stronger consensus rating and higher probable upside, analysts plainly believe Orrstown Financial Services is more favorable than Westbury Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Orrstown Financial Services	11.97%	14.69%	1.43%
Westbury Bancorp	N/A	N/A	N/A

Volatility and Risk

Orrstown Financial Services has a beta of 0.83, indicating that its share price is 17% less volatile than the S&P 500. Comparatively, Westbury Bancorp has a beta of -0.03, indicating that its share price is 103% less volatile than the S&P 500.

Insider & Institutional Ownership

44.3% of Orrstown Financial Services shares are held by institutional investors. Comparatively, 0.3% of Westbury Bancorp shares are held by institutional investors. 4.7% of Orrstown Financial Services shares are held by insiders. Comparatively, 10.9% of Westbury Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

Orrstown Financial Services beats Westbury Bancorp on 11 of the 12 factors compared between the two stocks.

About Orrstown Financial Services

Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. Orrstown Financial Services, Inc. was founded in 1919 and is headquartered in Shippensburg, Pennsylvania.

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.