Chester Bancorp (OTCMKTS:CNBA) & Wayne Savings Bancshares (OTCMKTS:WAYN) Financial Survey

Profitability

This table compares Chester Bancorp and Wayne Savings Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chester Bancorp	N/A	N/A	N/A
Wayne Savings Bancshares	17.74%	16.26%	1.03%

Valuation & Earnings

This table compares Chester Bancorp and Wayne Savings Bancshares”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chester Bancorp	N/A	N/A	N/A	N/A	N/A
Wayne Savings Bancshares	$38.11 million	1.40	$7.83 million	$3.21	7.56

Wayne Savings Bancshares has higher revenue and earnings than Chester Bancorp.

Insider & Institutional Ownership

12.1% of Wayne Savings Bancshares shares are held by institutional investors. 38.8% of Chester Bancorp shares are held by company insiders. Comparatively, 3.2% of Wayne Savings Bancshares shares are held by company 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.

Dividends

Chester Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 13.3%. Wayne Savings Bancshares pays an annual dividend of $0.92 per share and has a dividend yield of 3.8%. Wayne Savings Bancshares pays out 28.7% of its earnings in the form of a dividend.

Summary

Wayne Savings Bancshares beats Chester Bancorp on 5 of the 8 factors compared between the two stocks.

About Chester Bancorp

Chester Bancorp, Inc. operates as the holding company for Chester National Bank that provides various banking products and services to individuals and businesses in Chester, Illinois. It offers checking accounts, such as regular checking, student checking, golden checking, and club checking accounts; savings accounts, including statement savings, Christmas club, and money market accounts; and certificate of deposits and individual retirement accounts. The company also provides loans comprising mortgage, construction, lot, home equity, consumer, and business loans; and reorder check services. It operates two full service offices in Sparta, Illinois; and Perryville, Missouri. Chester Bancorp, Inc. was founded in 1996 and is based in Chester, Illinois.

About Wayne Savings Bancshares

Wayne Savings Bancshares, Inc. operates as the holding company for Wayne Savings Community Bank that provides personal and business banking products and services to individuals, businesses, and other organizations. The company offers checking, savings, money market, and term certificate accounts, as well as certificates of deposit. It also provides residential mortgage, commercial, installment, residential and nonresidential real estate, commercial real estate, residential construction, multi-family real estate, land, commercial business, consumer, home, home equity, auto, recreational vehicle, personal, furniture and appliance, agriculture, and term loans, as well as lines of credit, government guaranteed programs, and standby letters of credit. In addition, the company offers retirement planning, investment advisory, insurance, and wealth management and trust services. Further, it provides overdraft protection, re-order check, remote deposit capture, merchant, sweep, online and mobile banking, and bill pay services, as well as debit, credit, and gift cards. The company was founded in 1899 and is based in Wooster, Ohio.