William Penn Bancorporation (NASDAQ:WMPN) & NB Bancorp (NASDAQ:NBBK) Critical Survey

NB Bancorp (NASDAQ:NBBK) and William Penn Bancorporation (NASDAQ:WMPN) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, analyst recommendations, earnings, institutional ownership, valuation, profitability and risk.

Insider & Institutional Ownership

31.2% of William Penn Bancorporation shares are held by institutional investors. 1.7% of NB Bancorp shares are held by company insiders. Comparatively, 8.1% of William Penn Bancorporation 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.

Earnings & Valuation

This table compares NB Bancorp and William Penn Bancorporation’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NB Bancorp	$236.08 million	2.55	$9.82 million	N/A	N/A
William Penn Bancorporation	$32.34 million	3.58	$2.80 million	$0.09	134.67

NB Bancorp has higher revenue and earnings than William Penn Bancorporation.

Profitability

This table compares NB Bancorp and William Penn Bancorporation’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
NB Bancorp	N/A	N/A	N/A
William Penn Bancorporation	2.44%	0.34%	0.06%

Analyst Recommendations

This is a breakdown of current recommendations for NB Bancorp and William Penn Bancorporation, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NB Bancorp	0	0	1	0	3.00
William Penn Bancorporation	0	0	1	0	3.00

NB Bancorp presently has a consensus price target of $17.00, suggesting a potential upside of 21.00%. William Penn Bancorporation has a consensus price target of $14.00, suggesting a potential upside of 15.70%. Given NB Bancorp’s higher possible upside, analysts clearly believe NB Bancorp is more favorable than William Penn Bancorporation.

Summary

William Penn Bancorporation beats NB Bancorp on 6 of the 9 factors compared between the two stocks.

About NB Bancorp

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.

About William Penn Bancorporation

William Penn Bancorporation operates as the holding company for William Penn Bank that provides retail and commercial banking products and related financial services in the United States. The company offers time, savings, money market, and demand deposits; certificates of deposit; and non-interest bearing and interest-bearing checking, as well as money market, NOW, savings and club, and individual retirement accounts. It also provides one- to four-family residential and investor commercial real estate, non-residential real estate, multi-family residential, commercial business and consumer, residential and commercial construction, and land loans, as well as home equity loans and lines of credit, small business loans, and commercial and mortgage loans; and invests in a portfolio of mortgage-backed securities. The company serves individuals, businesses, and government customers. It offers its services through full-service branch offices in Bucks and Philadelphia Counties, Pennsylvania; and Burlington, Camden, and Mercer Counties, New Jersey. William Penn Bancorporation was founded in 1870 and is headquartered in Bristol, Pennsylvania.