Head to Head Review: Blue Foundry Bancorp (NASDAQ:BLFY) versus WCF Bancorp (OTCMKTS:WCFB)

WCF Bancorp (OTCMKTS:WCFB) and Blue Foundry Bancorp (NASDAQ:BLFY) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, analyst recommendations, institutional ownership, valuation, profitability, earnings and dividends.

Valuation and Earnings

This table compares WCF Bancorp and Blue Foundry Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
WCF Bancorp	$11.85 million	0.95	-$40,000.00	N/A	N/A
Blue Foundry Bancorp	$87.25 million	3.11	-$11.91 million	($0.46)	-28.39

WCF Bancorp has higher earnings, but lower revenue than Blue Foundry Bancorp.

Analyst Ratings

This is a summary of current recommendations for WCF Bancorp and Blue Foundry Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
WCF Bancorp	0	0	0	0	0.00
Blue Foundry Bancorp	1	0	0	0	1.00

Profitability

This table compares WCF Bancorp and Blue Foundry Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
WCF Bancorp	N/A	N/A	N/A
Blue Foundry Bancorp	-9.82%	-2.84%	-0.44%

Institutional and Insider Ownership

56.5% of Blue Foundry Bancorp shares are held by institutional investors. 0.8% of WCF Bancorp shares are held by insiders. Comparatively, 5.3% of Blue Foundry Bancorp shares are held by 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.

Risk and Volatility

WCF Bancorp has a beta of 0.13, indicating that its share price is 87% less volatile than the S&P 500. Comparatively, Blue Foundry Bancorp has a beta of 0.55, indicating that its share price is 45% less volatile than the S&P 500.

Summary

Blue Foundry Bancorp beats WCF Bancorp on 6 of the 10 factors compared between the two stocks.

About WCF Bancorp

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, and Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.

About Blue Foundry Bancorp

Blue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses in the United States. The company offers saving, time, and non-interest bearing deposits; demand accounts; and loans, such as one-to-four family residential property, multi-family, residential real estate, non-residential real estate, consumer, construction, and commercial and industrial loans, as well as junior liens and home equity lines of credit. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.