NSTS Bancorp (NASDAQ:NSTS – Get Free Report) and SR Bancorp (NASDAQ:SRBK – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, risk, institutional ownership, earnings, valuation and profitability.
Valuation & Earnings
This table compares NSTS Bancorp and SR Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NSTS Bancorp | $13.27 million | 5.45 | -$390,000.00 | ($0.02) | -688.00 |
| SR Bancorp | $34.23 million | 4.60 | $5.14 million | $0.42 | 46.26 |
Profitability
This table compares NSTS Bancorp and SR Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NSTS Bancorp | -0.72% | -0.12% | -0.04% |
| SR Bancorp | 6.39% | 1.41% | 0.24% |
Institutional and Insider Ownership
23.7% of NSTS Bancorp shares are held by institutional investors. Comparatively, 24.7% of SR Bancorp shares are held by institutional investors. 8.3% of NSTS Bancorp shares are held by insiders. Comparatively, 7.8% of SR Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Volatility and Risk
NSTS Bancorp has a beta of 0.22, meaning that its stock price is 78% less volatile than the S&P 500. Comparatively, SR Bancorp has a beta of 0.58, meaning that its stock price is 42% less volatile than the S&P 500.
Analyst Ratings
This is a summary of recent recommendations for NSTS Bancorp and SR Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NSTS Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| SR Bancorp | 0 | 1 | 1 | 0 | 2.50 |
SR Bancorp has a consensus target price of $19.00, suggesting a potential downside of 2.21%. Given SR Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe SR Bancorp is more favorable than NSTS Bancorp.
Summary
SR Bancorp beats NSTS Bancorp on 12 of the 14 factors compared between the two stocks.
About NSTS Bancorp
NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate mortgage, construction, home equity, and consumer loans. It operates through full-service banking offices in Lake County, Illinois; and one loan production office in Chicago. The company was founded in 1921 and is headquartered in Waukegan, Illinois.
About SR Bancorp
SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides customary retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Somerset, Middlesex, Hunterdon, and Essex counties in New Jersey. It offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides loans comprising one- to four family-residential mortgage loans, home equity loans and lines of credit, unsecured personal loans, and rehabilitation loans; and bill payment services. In addition, it is involved in the investment activities. The company was founded in 1887 and is headquartered in Bound Brook, New Jersey.
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