Financial Comparison: WCF Bancorp (OTCMKTS:WCFB) versus Bancorp 34 (OTCMKTS:BCTF)

Dividends

WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.9%. Bancorp 34 pays an annual dividend of $0.28 per share and has a dividend yield of 2.2%. Bancorp 34 pays out -100.0% of its earnings in the form of a dividend.

Risk & Volatility

WCF Bancorp has a beta of 0.23, meaning that its share price is 77% less volatile than the S&P 500. Comparatively, Bancorp 34 has a beta of 0.32, meaning that its share price is 68% less volatile than the S&P 500.

Institutional and Insider Ownership

6.5% of Bancorp 34 shares are owned by institutional investors. 0.8% of WCF Bancorp shares are owned by insiders. Comparatively, 7.4% of Bancorp 34 shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares WCF Bancorp and Bancorp 34″s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
WCF Bancorp	$8.95 million	1.56	-$160,000.00	N/A	N/A
Bancorp 34	$28.85 million	2.87	-$3.40 million	($0.28)	-44.71

WCF Bancorp has higher earnings, but lower revenue than Bancorp 34.

Profitability

This table compares WCF Bancorp and Bancorp 34’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
Bancorp 34	-0.27%	-0.17%	-0.02%

Summary

Bancorp 34 beats WCF Bancorp on 6 of the 11 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 Bancorp 34

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking products and services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand and time deposits, NOW accounts, and individual retirement accounts, as well as certificates of deposit. The company also provides term, working capital, construction, USDA, small business administration, equipment, assisted living and skilled nursing, renewable energy and solar equipment, and commercial real estate loans; and small to medium size business and business acquisitions financing; lines of credit; multi-family finance; and employee stock ownership plans, HOA lending, and investor pools of single family rentals. In addition, it offers credit and debit cards; safe deposit boxes; treasury management products; and merchant card processing, cash management, e-banking, mobile and online banking, bill payment, and merchant capture services. The company operates through its network of full-service branches in Scottsdale and Arizona, as well as Alamogordo and Las Cruces, New Mexico. Bancorp 34, Inc. was founded in 1934 and is headquartered in Scottsdale, Arizona.