NSTS Bancorp (NASDAQ:NSTS) & JSB Financial (OTCMKTS:JFWV) Head-To-Head Contrast

JSB Financial (OTCMKTS:JFWV) and NSTS Bancorp (NASDAQ:NSTS) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, analyst recommendations, dividends, risk, earnings, valuation and institutional ownership.

Analyst Ratings

This is a breakdown of recent ratings and target prices for JSB Financial and NSTS Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
JSB Financial	0	0	0	0	0.00
NSTS Bancorp	1	0	0	0	1.00

Profitability

This table compares JSB Financial and NSTS Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
JSB Financial	N/A	N/A	N/A
NSTS Bancorp	-4.25%	-0.73%	-0.20%

Valuation & Earnings

This table compares JSB Financial and NSTS Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
JSB Financial	N/A	N/A	$4.20 million	$16.17	8.04
NSTS Bancorp	$12.24 million	5.35	-$790,000.00	($0.12)	-104.17

JSB Financial has higher earnings, but lower revenue than NSTS Bancorp. NSTS Bancorp is trading at a lower price-to-earnings ratio than JSB Financial, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

0.1% of JSB Financial shares are held by institutional investors. Comparatively, 23.7% of NSTS Bancorp shares are held by institutional investors. 6.2% of NSTS Bancorp shares are held by company 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.

Risk and Volatility

JSB Financial has a beta of 0.22, meaning that its stock price is 78% less volatile than the S&P 500. Comparatively, NSTS Bancorp has a beta of 0.11, meaning that its stock price is 89% less volatile than the S&P 500.

Summary

JSB Financial beats NSTS Bancorp on 7 of the 11 factors compared between the two stocks.

About JSB Financial

JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank that provides various banking products and services to individuals, agricultural businesses, small and medium-sized businesses, local government entities, and non-profit organizations. It accepts various deposit products, such as checking, savings, money market, individual retirement, overdraft protection, and sweep accounts, as well as certificates of deposit. The company's loan portfolio includes personal and vehicle, mortgage, construction, commercial, and home equity loans. It also offers ATM, online and mobile banking, bill pay, paperless statements, cash management, remote deposit capture, merchant, and credit and debit card services. The company was founded in 1869 and is headquartered in Shepherdstown, West Virginia.

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.