Reviewing Anchor Bancorp (ANCB) & Clifton Bancorp (CSBK)

Anchor Bancorp (NASDAQ: ANCB) and Clifton Bancorp (NASDAQ:CSBK) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, risk, earnings, profitabiliy, analyst recommendations, institutional ownership and dividends.

Profitability

This table compares Anchor Bancorp and Clifton Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Anchor Bancorp 8.58% 3.17% 0.46%
Clifton Bancorp 10.93% 1.53% 0.34%

Earnings and Valuation

This table compares Anchor Bancorp and Clifton Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Anchor Bancorp $20.06 million 3.13 $2.10 million $0.84 29.82
Clifton Bancorp $28.59 million 12.85 $4.81 million $0.22 76.32

Clifton Bancorp has higher revenue and earnings than Anchor Bancorp. Anchor Bancorp is trading at a lower price-to-earnings ratio than Clifton Bancorp, indicating that it is currently the more affordable of the two stocks.

Dividends

Clifton Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.4%. Anchor Bancorp does not pay a dividend. Clifton Bancorp pays out 109.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Risk & Volatility

Anchor Bancorp has a beta of 0.74, suggesting that its stock price is 26% less volatile than the S&P 500. Comparatively, Clifton Bancorp has a beta of 0.4, suggesting that its stock price is 60% less volatile than the S&P 500.

Institutional and Insider Ownership

40.2% of Anchor Bancorp shares are owned by institutional investors. Comparatively, 62.0% of Clifton Bancorp shares are owned by institutional investors. 6.5% of Anchor Bancorp shares are owned by company insiders. Comparatively, 5.6% of Clifton Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Anchor Bancorp and Clifton Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Anchor Bancorp 0 1 0 0 2.00
Clifton Bancorp 0 1 0 0 2.00

Anchor Bancorp presently has a consensus price target of $25.00, suggesting a potential downside of 0.20%. Clifton Bancorp has a consensus price target of $17.00, suggesting a potential upside of 1.25%. Given Clifton Bancorp’s higher probable upside, analysts plainly believe Clifton Bancorp is more favorable than Anchor Bancorp.

Summary

Clifton Bancorp beats Anchor Bancorp on 8 of the 14 factors compared between the two stocks.

About Anchor Bancorp

Anchor Bancorp is the bank holding company of Anchor Bank (the Bank). The Bank is a community-based savings bank. As of June 30, 2016, the Bank primarily served Western Washington through its 10 full-service banking offices (including a Wal-Mart in-store location) located within Grays Harbor, Thurston, Lewis, Pierce and Mason counties, and a loan production office located in King County, Washington. It is in the business of attracting deposits from the public and utilizing those deposits to originate loans. The Bank offers a range of loan products. The Bank’s operations include commercial banking services, such as lending activities, deposit products and other cash management services. The Bank offers commercial real estate loans and multi-family loans primarily in Western Washington. The Bank offers various deposit instruments, including checking accounts, money market deposit accounts, savings accounts and certificates of deposit with a range of rates.

About Clifton Bancorp

Clifton Bancorp Inc, formerly Clifton Savings Bancorp, Inc., is a savings and loan holding company that operates through its subsidiary, Clifton Savings Bank (Clifton Savings). Clifton Savings is a federally chartered savings bank. Clifton Savings operate as a community-oriented financial institution offering traditional financial services to consumers and businesses in the market area. It attracts deposits from the general public and uses those funds to originate one- to four-family, multi-family and commercial real estate, and consumer loans, which it holds for investment. Clifton Savings has one wholly owned subsidiary, Botany Inc., an investment company. In addition to the main office located in Passaic County, Clifton Savings operates 11 branch offices in Bergen and Passaic Counties, which, along with Essex, Morris, Hudson and Union Counties are its primary market area.

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