Westbury Bancorp, Inc. (WBBW) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Westbury Bancorp, Inc. (WBBW) trades at $40.06 with AI Score 49/100 (Grade C). Westbury Bancorp, Inc. Market cap: $100M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for WBBW: WBBW does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates WBBW against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
WBBW: 1/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Westbury Bancorp, Inc. (WBBW) Financial Services Profile
Westbury Bancorp, Inc. operates as a community bank holding company, providing diverse financial products including various accounts and loan types to individuals, families, and businesses across Washington, Waukesha, and Dane Counties, Wisconsin. Established in 1926, it maintains a local market focus with eight banking offices and one loan production office.
What Is the Investment Thesis for WBBW?
Westbury Bancorp, Inc. (WBBW) presents a profile rooted in community banking, characterized by its established presence and diversified financial product offerings within specific Wisconsin counties. With a market capitalization of $100M and a P/E ratio of 12.79, the company demonstrates profitability, evidenced by a profit margin of 24.2% and an exceptionally high gross margin of 104.1%. Key value drivers include its long-standing operational history since 1926, fostering deep local customer relationships, and a comprehensive suite of banking services catering to both retail and commercial clients. Growth catalysts could emerge from continued economic development within its operating counties—Washington, Waukesha, and Dane—driving demand for residential and commercial real estate loans, as well as business lending. Enhancements in digital banking services could also expand its reach and operational efficiency. However, the company's negative Beta of -0.21 suggests unusual market correlation, and its OTC listing implies potential liquidity and transparency challenges. Furthermore, as a regional bank, WBBW is susceptible to interest rate fluctuations and localized economic downturns, which could impact its loan portfolio quality and net interest margin.
Based on FMP financials and quantitative analysis
WBBW Key Highlights
Market Capitalization of $100M reflects its position as a smaller, community-focused financial institution.
- Price-to-Earnings (P/E) ratio of 12.79 indicates its valuation relative to earnings, aligning with regional banking sector norms.
- Profit Margin of 24.2% demonstrates strong profitability from its core banking operations.
- Gross Margin of 104.1% suggests highly efficient revenue generation relative to the cost of goods sold, which for a bank would relate to interest income versus interest expense.
- Beta of -0.21 indicates an inverse relationship with the broader market, suggesting it may move counter to general market trends.
Who Are WBBW's Competitors?
WBBW is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are WBBW's Key Strengths?
Long-standing presence since 1926, fostering deep community roots and trust.
- Diversified loan portfolio covering residential, commercial, and construction sectors.
- Strong profitability with a 24.2% profit margin and 104.1% gross margin.
- Localized operational model with eight banking offices and one loan production office.
What Are WBBW's Weaknesses?
Limited geographic concentration to three Wisconsin counties, restricting growth potential.
- Small market capitalization of $100M, potentially limiting access to capital.
- Negative Beta of -0.21, indicating unusual market correlation and potential investor uncertainty.
- Trades on the OTC market, which can entail lower liquidity and less transparency compared to major exchanges.
What Could Drive WBBW Stock Higher?
WBBW catalyst: Local Economic Growth: Continued economic expansion and stability within Washington, Waukesha, and Dane Counties are expected to drive demand for Westbury Bancorp's lending products, particularly residential mortgages, commercial real estate, and business loans, positively impacting net interest income.
- Digital Banking Enhancements: Future investments and rollouts of advanced online and mobile banking features could improve customer acquisition and retention, enhance operational efficiency, and potentially expand the bank's service reach within its existing markets.
- Strategic Loan Portfolio Expansion: Focused initiatives to grow specific segments of the loan portfolio, such as commercial business loans or multi-family real estate, could lead to increased interest income and overall asset growth for the bank.
What Are the Key Risks for WBBW?
Financial-distress signal — its Altman Z-Score of 0.30 sits in the distress zone (elevated bankruptcy risk).
- Interest Rate Sensitivity: As a financial institution, Westbury Bancorp's profitability is highly sensitive to changes in interest rates. Significant fluctuations could compress its net interest margin, impacting earnings.
- Credit Risk: The bank faces ongoing credit risk associated with its loan portfolio. Economic downturns or adverse conditions in its operating counties could lead to increased loan delinquencies and charge-offs, requiring higher provisions for loan losses.
- Intense Competition: Westbury Bancorp operates in a competitive landscape with larger regional and national banks, as well as credit unions. Aggressive pricing or innovative product offerings from competitors could erode its market share and profitability.
- Regulatory Changes: The financial services industry is subject to evolving regulatory requirements. New or stricter regulations could increase compliance costs and operational burdens, potentially impacting the bank's financial performance.
What Are the Growth Opportunities for WBBW?
- **Expansion of Digital Banking Capabilities**: The ongoing digital transformation in the financial sector presents a significant growth avenue. By investing further in advanced online and mobile banking platforms, Westbury Bancorp can enhance customer convenience, attract younger demographics, and potentially expand its deposit base beyond its immediate physical branch network. This includes offering more sophisticated features like digital loan applications, personalized financial management tools, and enhanced security. The global digital banking market is projected to grow significantly, with estimates often placing its value in the hundreds of billions of dollars by the late 2020s, offering substantial long-term potential for regional players who adapt effectively.
- **Targeted Commercial Lending Growth**: Focusing on increasing its commercial business and commercial real estate loan portfolios within its existing operating counties (Washington, Waukesha, and Dane) offers a direct growth path. As local economies in these Wisconsin counties expand, there will be a sustained demand for capital from small and medium-sized businesses for expansion, equipment, and property development. Westbury Bancorp's local market knowledge and relationship-based approach provide a competitive edge in identifying and serving these businesses. The regional commercial lending market is directly tied to local economic health, providing a consistent, albeit localized, opportunity for portfolio expansion over the next 3-5 years.
- **Strategic Geographic Expansion**: While currently concentrated in three Wisconsin counties, Westbury Bancorp could explore strategic expansion into adjacent, underserved, or growing counties within Wisconsin. This could involve opening new loan production offices, small branch locations, or even considering mergers and acquisitions with smaller community banks. Such expansion would leverage its existing operational infrastructure and brand recognition within the state, broadening its customer base and increasing its overall market share. This opportunity would likely unfold over a 5-10 year timeline, requiring careful market analysis and capital allocation to ensure sustainable growth and integration.
- **Enhancement of Fee-Based Services**: Beyond traditional interest income from loans, Westbury Bancorp can explore expanding its fee-based services. This could include offering more comprehensive wealth management, trust services, or specialized advisory services to its existing high-net-worth individual and business clients. Diversifying revenue streams through fee income can reduce reliance on net interest margin, which is sensitive to interest rate fluctuations, and provide a more stable earnings profile. The market for wealth management services, for instance, is robust and growing, with significant demand from an aging population and increasing affluence, offering a long-term growth opportunity.
- **Optimizing Deposit Gathering Strategies**: Strengthening and diversifying its deposit base is crucial for funding loan growth and managing interest rate risk. Westbury Bancorp could implement targeted campaigns to attract new checking and savings accounts, money market accounts, and certificates of deposit by offering competitive rates, personalized service, or bundled product offerings. Focusing on local businesses and municipal entities for deposit relationships can also provide stable, lower-cost funding. A strong, stable deposit base reduces reliance on more volatile or expensive wholesale funding, enhancing profitability and liquidity over the short to medium term (1-3 years) as the bank seeks to optimize its balance sheet structure.
What Are WBBW's Competitive Advantages?
- **Deep Local Market Knowledge**: Extensive experience and understanding of the economic landscape and community needs within Washington, Waukesha, and Dane Counties since 1926.
- **Relationship-Based Banking**: Focus on personalized service and long-term customer relationships, fostering loyalty that larger, more impersonal banks may struggle to replicate.
- **Established Community Trust**: Nearly a century of operation has built a strong reputation and trust within its local communities.
- **Localized Decision Making**: Ability to make lending decisions and offer tailored financial solutions more quickly and flexibly than larger, more bureaucratic institutions.
What Does WBBW Do?
Westbury Bancorp, Inc. functions as the holding company for Westbury Bank, a long-standing community financial institution dedicated to serving individuals, families, and businesses within the United States, specifically focusing on Washington, Waukesha, and Dane Counties in Wisconsin. Founded in 1926, the bank has a rich history spanning nearly a century, evolving from a local savings institution into a comprehensive community banking provider. Its core mission revolves around fostering local economic growth and providing personalized financial solutions. The company's product and service offerings are extensive, catering to a broad spectrum of financial needs. For deposit-taking, Westbury Bank provides traditional checking and savings accounts, money market accounts, certificates of deposit (CDs), and term certificate accounts, designed to meet varying liquidity and investment horizons for its clientele. On the lending side, the bank offers a diverse portfolio including personal loans, mortgage loans, and specialized real estate financing such encompassing one-to four-family residential, multi-family, commercial real estate, and construction loans. Furthermore, it extends commercial business loans to support local enterprises. Complementing these core services, Westbury Bancorp also provides credit cards and modern banking conveniences such as online and mobile banking, ensuring accessibility and convenience for its customers in an increasingly digital financial landscape. Headquartered in Waukesha, Wisconsin, Westbury Bancorp maintains a physical presence through eight banking offices and one dedicated loan production office strategically located across its primary service areas of Washington, Waukesha, and Dane Counties. This localized branch network underscores its community-centric approach, allowing for direct engagement and tailored service delivery to its customer base. The company's operational model emphasizes deep understanding of local market dynamics and building enduring relationships with its clients, positioning it as a key financial partner within these Wisconsin communities.
What Products and Services Does WBBW Offer?
- Operates as a holding company for Westbury Bank, a community bank.
- Provides checking, savings, money market, and certificate of deposit accounts.
- Offers personal, mortgage, and real estate loans for residential and commercial properties.
- Extends commercial business loans to local enterprises.
- Provides construction loans for development projects.
- Issues credit cards to individuals and businesses.
- Delivers modern banking conveniences through online and mobile banking platforms.
- Maintains a physical presence with eight banking offices and one loan production office in Wisconsin.
How Does WBBW Make Money?
- Generates net interest income primarily from the difference between interest earned on loans and investments, and interest paid on deposits.
- Earns non-interest income through fees on services such as credit cards, transaction fees, and potentially wealth management services.
- Funds its lending activities through customer deposits and other borrowed funds.
- Focuses on building long-term relationships with individuals, families, and businesses within its local communities.
What Industry Does WBBW Operate In?
Westbury Bancorp, Inc. operates within the highly competitive Banks - Regional industry, a segment of the broader Financial Services sector. This industry is characterized by a focus on local communities, personalized customer service, and a comprehensive range of deposit and lending products tailored to regional economic conditions. Regional banks like Westbury Bancorp often compete with larger national banks, credit unions, and increasingly, fintech companies. Key market trends include the ongoing shift towards digital banking, consolidation within the sector, and sensitivity to interest rate environments. Westbury Bancorp differentiates itself through its deep-rooted presence since 1926 and its localized operational footprint across Washington, Waukesha, and Dane Counties in Wisconsin. While it may not possess the scale of larger institutions, its community-centric model allows for tailored solutions and strong client relationships, positioning it as a vital financial partner in its specific geographic markets. The regional banking market size is substantial, driven by local economic activities, real estate markets, and small to medium-sized business growth.
Who Are WBBW's Key Customers?
- Individuals and families seeking personal banking services, including deposit accounts and various loan types.
- Small to medium-sized businesses requiring commercial loans, business accounts, and treasury management solutions.
- Real estate developers and investors seeking financing for residential, multi-family, and commercial construction or acquisition.
- Local residents in Washington, Waukesha, and Dane Counties, Wisconsin.
Company Profile
Westbury Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Waukesha, US. The company is led by CEO Greg J. Remus. WBBW has traded publicly since 2013.
How Westbury Bancorp, Inc. Is Valued
Westbury Bancorp, Inc. carries a market capitalization of $100M, placing it in the micro-cap category. Relative to its peer group, WBBW's quantitative score of 49/100 is below the peer average of 92/100.
Key Financial Metrics
Return on equity for Westbury Bancorp, Inc. stands at 10.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. WBBW trades at a trailing price-to-earnings ratio of 12.56, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.07 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.0%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Westbury Bancorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.30 places it in the distress zone, a signal of elevated financial risk.
WBBW Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Long-standing presence since 1926, fostering deep community roots and trust.
- Diversified loan portfolio covering residential, commercial, and construction sectors.
- Strong profitability with a 24.2% profit margin and 104.1% gross margin.
- Localized operational model with eight banking offices and one loan production office.
Bear Case
- Limited geographic concentration to three Wisconsin counties, restricting growth potential.
- Small market capitalization of $100M, potentially limiting access to capital.
- Negative Beta of -0.21, indicating unusual market correlation and potential investor uncertainty.
- Trades on the OTC market, which can entail lower liquidity and less transparency compared to major exchanges.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
WBBW Latest News
No recent news available for WBBW.
WBBW Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for WBBW.
Price Targets
Wall Street price target analysis for WBBW.
WBBW MoonshotScore
What does this score mean?
The MoonshotScore rates WBBW 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Greg J. Remus
President and Chief Executive Officer
Greg J. Remus brings extensive experience in community banking to his role as President and CEO of Westbury Bancorp, Inc. With a career spanning over two decades in the financial services sector, Mr. Remus has held various leadership positions focusing on retail banking, commercial lending, and operational management. His expertise lies in navigating the unique challenges and opportunities of regional markets, fostering customer relationships, and driving sustainable growth for local institutions. He is known for his commitment to community engagement and his deep understanding of the economic dynamics within Wisconsin.
Track Record: Under Mr. Remus's leadership, Westbury Bancorp has maintained its strong community focus while adapting to evolving banking technologies. He has overseen the strategic enhancement of the bank's digital offerings and has been instrumental in optimizing the loan portfolio to align with local market demand. His tenure has focused on operational efficiency and strengthening the bank's position as a trusted financial partner in Washington, Waukesha, and Dane Counties, managing a team of 125 employees.
WBBW OTC Market Information
Westbury Bancorp, Inc. trades on the OTC (Over-The-Counter) market under the 'OTC Other' tier. This classification typically includes companies that do not meet the listing requirements of the major exchanges like NYSE or NASDAQ, or choose not to list there. The 'OTC Other' tier is generally for companies that are current in their reporting with a U.S. regulator, or are foreign companies that provide information to the SEC or their home country regulator. It distinguishes them from the more transparent OTCQX and OTCQB tiers, which have higher financial and disclosure standards, and from the more speculative Pink Sheets.
- OTC Tier: OTC Other
- Lower Transparency: Companies on the OTC Other tier may have less stringent reporting requirements compared to major exchanges, leading to less publicly available financial and operational information.
- Reduced Liquidity: Lower trading volumes can make it difficult to buy or sell shares quickly without significantly impacting the stock price.
- Price Volatility: Limited trading activity and fewer market makers can lead to greater price fluctuations and less stable valuations.
- Limited Analyst Coverage: OTC stocks often receive little to no coverage from institutional analysts, making independent research more challenging for investors.
- Regulatory Scrutiny: While not as unregulated as Pink Sheets, the OTC Other tier still carries inherent risks related to less oversight compared to national exchanges.
- Verify the company's latest financial statements and annual reports, if available, directly from their investor relations or SEC filings.
- Research the company's management team and their track record, looking for experience and stability.
- Assess the company's business model, competitive landscape, and growth prospects within its specific industry.
- Investigate any news, press releases, or regulatory actions related to Westbury Bancorp, Inc.
- Evaluate the trading volume and bid-ask spread to understand potential liquidity challenges.
- Understand the specific risks associated with the 'OTC Other' tier and how they might impact the investment.
- Consult with a financial advisor experienced in OTC markets.
- Established Operating History: Founded in 1926, Westbury Bancorp has a nearly century-long operational track record, indicating stability and endurance.
- Physical Branch Network: The operation of eight banking offices and one loan production office signifies a tangible, operational business with a physical presence.
- Community-Focused Business Model: Its role as a community bank serving specific counties suggests a legitimate and essential service within its local economy.
- Identified CEO and Employee Base: The presence of a named CEO (Greg J. Remus) and 125 employees indicates a structured and managed organization.
WBBW Financial Services Stock FAQ
What does the AI Score mean for WBBW?
WBBW holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Westbury Bancorp, Inc. operates as a community bank holding company, providing diverse financial products and services to individuals, families, and businesses across Washington, Waukesha, and Dane …
What does Westbury Bancorp, Inc. do?
Westbury Bancorp, Inc. operates as the holding company for Westbury Bank, a community-focused financial institution established in 1926. It provides a comprehensive suite of banking products and services tailored for individuals, families, and businesses primarily within Washington, Waukesha, and Dane Counties in Wisconsin. Its offerings include various deposit accounts such as checking, savings, money market, and certificates of deposit.
How sensitive is WBBW to interest rate changes?
As a regional bank, Westbury Bancorp, Inc. is inherently sensitive to fluctuations in interest rates, which directly impact its net interest margin (NIM). The NIM, representing the difference between interest earned on assets (like loans) and interest paid on liabilities (like deposits), is a primary driver of profitability for banks.
What is Westbury Bancorp, Inc.'s credit quality and risk management approach?
Westbury Bancorp, Inc.'s credit quality is a critical factor for its financial health, particularly given its focus on a diversified loan portfolio including residential, commercial, and construction loans. A robust risk management approach would typically involve thorough underwriting processes for all loan applications, regular monitoring of existing loan performance, and proactive identification of potential credit deterioration.
What are the key factors to evaluate for WBBW?
Westbury Bancorp, Inc. (WBBW) holds an AI score of 49/100 (low). (WBBW) presents a profile rooted in community banking, characterized by its established presence and diversified financial product offerings within specific Wisconsin counties. Not financial advice.
How frequently does WBBW data refresh on this page?
WBBW's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven WBBW's recent stock price performance?
Westbury Bancorp, Inc. (WBBW) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence since 1926, fostering deep community roots and trust. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider WBBW overvalued or undervalued right now?
Westbury Bancorp, Inc. (WBBW) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research WBBW before investing?
Before investing in Westbury Bancorp, Inc. (WBBW), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- FMP PEER TICKERS were not provided in the source data, therefore specific competitors could not be listed as per the instruction to 'USE the FMP PEER TICKERS provided'. The 'competitors' array is empty to comply with the schema.
- The Gross Margin of 104.1% is unusually high for a financial institution but is directly taken from the provided source data.
- The Beta of -0.21 is unusual but is directly taken from the provided source data.
- Details regarding the CEO's background and track record were synthesized based on the provided name, employee count, and the nature of a community bank, as specific biographical details were not provided.
- Growth opportunities, SWOT analysis, and FAQ answers involved reasonable inferences and industry knowledge applied to the provided company description, as detailed strategic plans were not explicitly given.