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

Dividends

WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.2%. BankFinancial pays an annual dividend of $0.40 per share and has a dividend yield of 2.7%. BankFinancial pays out 63.5% of its earnings in the form of a dividend. BankFinancial has increased its dividend for 4 consecutive years. BankFinancial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider & Institutional Ownership

19.4% of WCF Bancorp shares are held by institutional investors. Comparatively, 65.2% of BankFinancial shares are held by institutional investors. 0.6% of WCF Bancorp shares are held by insiders. Comparatively, 15.2% of BankFinancial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares WCF Bancorp and BankFinancial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
WCF Bancorp $4.44 million 5.19 -$110,000.00 N/A N/A
BankFinancial $62.59 million 4.10 $9.00 million $0.63 23.38

BankFinancial has higher revenue and earnings than WCF Bancorp.

Risk and Volatility

WCF Bancorp has a beta of 0.26, indicating that its stock price is 74% less volatile than the S&P 500. Comparatively, BankFinancial has a beta of 0.39, indicating that its stock price is 61% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and recommmendations for WCF Bancorp and BankFinancial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
WCF Bancorp 0 0 0 0 N/A
BankFinancial 0 0 1 0 3.00

Profitability

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

Net Margins Return on Equity Return on Assets
WCF Bancorp 1.82% 0.31% 0.07%
BankFinancial 18.99% 7.84% 0.97%

Summary

BankFinancial beats WCF Bancorp on 11 of the 14 factors compared between the two stocks.

About WCF Bancorp

WCF Bancorp, Inc. operates as the savings and loan holding company for WCF Financial Bank that various banking products and services. The company accepts deposit accounts, such as statement savings, money market, and NOW accounts; and certificates of deposit. Its loan products include one-to-four family residential real estate loans; non-owner occupied one-to-four family residential real estate loans; commercial real estate loans; and consumer loans comprising new and used automobile loans, home improvement and home equity loans, recreational vehicle loans, and loans secured by certificates of deposits. The company also invests in securities. It operates one full-service branch in Independence, Iowa. WCF Bancorp, Inc. is based in Webster City, Iowa.

About BankFinancial

BankFinancial Corporation operates as the holding company for BankFinancial, National Association that provides commercial, family, and personal banking products and services in Illinois. The company accepts various deposit products, such as savings, NOW, checking, money market, IRA, and other retirement accounts, as well as certificates of deposit. It also offers multi-family and nonresidential real estate, construction and land, and commercial loans, as well as commercial leases; consumer loans; and one-to-four family residential mortgage loans, including home equity loans and lines of credit. In addition, the company provides various financial products and services, such as cash management, fund transfer, bill payment and other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust, wealth management, and general insurance agency. Further, it offers financial planning services; and sells property and casualty, and other insurance products on an agency basis. It operates 19 full-service banking offices located in Cook, DuPage, Lake, and Will Counties. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.

Receive News & Ratings for WCF Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for WCF Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.