Metropolitan Bank (NYSE:MCB) and Westbury Bancorp (OTCMKTS:WBBW) Financial Review

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Metropolitan Bank	13.68%	10.69%	1.03%
Westbury Bancorp	N/A	N/A	N/A

Risk and Volatility

Metropolitan Bank has a beta of 1.11, meaning that its stock price is 11% more volatile than the S&P 500. Comparatively, Westbury Bancorp has a beta of -0.04, meaning that its stock price is 104% less volatile than the S&P 500.

Institutional and Insider Ownership

79.8% of Metropolitan Bank shares are owned by institutional investors. Comparatively, 0.3% of Westbury Bancorp shares are owned by institutional investors. 6.1% of Metropolitan Bank shares are owned by company insiders. Comparatively, 10.9% of Westbury Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Metropolitan Bank and Westbury Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Metropolitan Bank	0	2	3	0	2.60
Westbury Bancorp	0	0	0	0	0.00

Metropolitan Bank presently has a consensus price target of $82.67, suggesting a potential upside of 14.72%. Given Metropolitan Bank’s stronger consensus rating and higher probable upside, equities analysts clearly believe Metropolitan Bank is more favorable than Westbury Bancorp.

Earnings and Valuation

This table compares Metropolitan Bank and Westbury Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Metropolitan Bank	$492.21 million	1.53	$66.69 million	$6.17	11.68
Westbury Bancorp	N/A	N/A	N/A	N/A	N/A

Metropolitan Bank has higher revenue and earnings than Westbury Bancorp.

Summary

Metropolitan Bank beats Westbury Bancorp on 9 of the 10 factors compared between the two stocks.

About Metropolitan Bank

Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. The company offers checking, savings, term deposit, money market, demand deposit, and other interest-bearing transaction accounts. It also provides lending products, including commercial real estate, multi-family, construction, and one-to four-family real estate loans; commercial and industrial loans; consumer loans; acquisition and renovation loans; loans to refinance or return borrower equity; loans on owner-occupied properties; working capital lines of credit; trade finance and letters of credit; and term loans. In addition, the company offers cash management services, as well as online and mobile banking, ACH, remote deposit capture, and debit cards. The company was formerly known as Metbank Holding Corp. and changed its name to Metropolitan Bank Holding Corp. in January 2007. Metropolitan Bank Holding Corp. was incorporated in 1997 and is headquartered in New York, New York.

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.