Seacoast Banking Co. of Florida (NASDAQ:SBCF) and Westbury Bancorp (OTCMKTS:WBBW) Critical Comparison

Westbury Bancorp (OTCMKTS:WBBW) and Seacoast Banking Co. of Florida (NASDAQ:SBCF) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, valuation, analyst recommendations, profitability, institutional ownership and risk.

Analyst Ratings

This is a breakdown of current ratings and price targets for Westbury Bancorp and Seacoast Banking Co. of Florida, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Westbury Bancorp	0	0	0	0	0.00
Seacoast Banking Co. of Florida	0	3	2	0	2.40

Seacoast Banking Co. of Florida has a consensus target price of $28.70, indicating a potential downside of 4.46%. Given Seacoast Banking Co. of Florida’s stronger consensus rating and higher probable upside, analysts clearly believe Seacoast Banking Co. of Florida is more favorable than Westbury Bancorp.

Insider & Institutional Ownership

0.3% of Westbury Bancorp shares are owned by institutional investors. Comparatively, 81.8% of Seacoast Banking Co. of Florida shares are owned by institutional investors. 10.9% of Westbury Bancorp shares are owned by insiders. Comparatively, 1.5% of Seacoast Banking Co. of Florida shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

This table compares Westbury Bancorp and Seacoast Banking Co. of Florida’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
Seacoast Banking Co. of Florida	14.55%	5.44%	0.78%

Risk & Volatility

Westbury Bancorp has a beta of 0.13, meaning that its stock price is 87% less volatile than the S&P 500. Comparatively, Seacoast Banking Co. of Florida has a beta of 1.08, meaning that its stock price is 8% more volatile than the S&P 500.

Valuation and Earnings

This table compares Westbury Bancorp and Seacoast Banking Co. of Florida”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Westbury Bancorp	$34.41 million	1.59	$7.99 million	N/A	N/A
Seacoast Banking Co. of Florida	$768.13 million	3.34	$104.03 million	$1.38	21.77

Seacoast Banking Co. of Florida has higher revenue and earnings than Westbury Bancorp.

Summary

Seacoast Banking Co. of Florida beats Westbury Bancorp on 11 of the 12 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 Seacoast Banking Co. of Florida

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. The company offers noninterest and interest-bearing demand deposit, money market, savings, and customer sweep accounts; time certificates of deposit; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment loans and revolving lines, as well as loans for automobiles, boats, and personal and family purposes. It also provides wealth management, mortgage, and insurance services through online and mobile banking solutions, as well as brokerage and annuity services. Seacoast Banking Corporation of Florida was founded in 1926 and is headquartered in Stuart, Florida.