Critical Contrast: Blue Foundry Bancorp (NASDAQ:BLFY) vs. WCF Bancorp (OTCMKTS:WCFB)

WCF Bancorp (OTCMKTS:WCFB) and Blue Foundry Bancorp (NASDAQ:BLFY) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, institutional ownership, profitability, dividends, analyst recommendations, risk and valuation.

Volatility & Risk

WCF Bancorp has a beta of 0.13, indicating that its stock price is 87% less volatile than the S&P 500. Comparatively, Blue Foundry Bancorp has a beta of 0.55, indicating that its stock price is 45% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and target prices for WCF Bancorp and Blue Foundry Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
WCF Bancorp	0	0	0	0	0.00
Blue Foundry Bancorp	1	0	0	0	1.00

Insider & Institutional Ownership

56.5% of Blue Foundry Bancorp shares are owned by institutional investors. 0.8% of WCF Bancorp shares are owned by insiders. Comparatively, 6.0% of Blue Foundry Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares WCF Bancorp and Blue Foundry Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
WCF Bancorp	$11.85 million	0.99	-$40,000.00	N/A	N/A
Blue Foundry Bancorp	$87.25 million	3.04	-$11.91 million	($0.46)	-27.76

WCF Bancorp has higher earnings, but lower revenue than Blue Foundry Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
WCF Bancorp	N/A	N/A	N/A
Blue Foundry Bancorp	-9.82%	-2.84%	-0.44%

Summary

Blue Foundry Bancorp beats WCF Bancorp on 6 of the 10 factors compared between the two stocks.

About WCF Bancorp

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, and Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.

About Blue Foundry Bancorp

Blue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses in the United States. The company offers saving, time, and non-interest bearing deposits; demand accounts; and loans, such as one-to-four family residential property, multi-family, residential real estate, non-residential real estate, consumer, construction, and commercial and industrial loans, as well as junior liens and home equity lines of credit. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.