Analyzing Blackhawk Bancorp (OTCMKTS:BHWB) and First Seacoast Bancorp (NASDAQ:FSEA)

Insider & Institutional Ownership

38.4% of First Seacoast Bancorp shares are held by institutional investors. 26.8% of Blackhawk Bancorp shares are held by insiders. Comparatively, 4.7% of First Seacoast Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares Blackhawk Bancorp and First Seacoast Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Blackhawk Bancorp	$63.13 million	1.51	$13.64 million	N/A	N/A
First Seacoast Bancorp	$13.15 million	3.89	-$10.66 million	($0.12)	-90.08

Blackhawk Bancorp has higher revenue and earnings than First Seacoast Bancorp.

Profitability

This table compares Blackhawk Bancorp and First Seacoast Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Blackhawk Bancorp	N/A	N/A	N/A
First Seacoast Bancorp	-35.93%	-13.41%	-1.49%

Summary

Blackhawk Bancorp beats First Seacoast Bancorp on 6 of the 8 factors compared between the two stocks.

About Blackhawk Bancorp

Blackhawk Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. The company offers personal banking products and services, including checking, savings, health savings, and money market accounts, as well as certificates of deposit; personal, auto, student, and home improvement and equity loans; and lines of credit and credit cards. It also provides business banking products and services, such as business checking, business interest checking, business sweep, small business checking, business NOW, health savings, and money market accounts; commercial, development, term, equipment/fixed asset, and small business administration loans; lines and letters of credit; receivables financing; and corporate credit cards, as well as treasury management solutions. In addition, the company offers payments and transfer, mortgages lending, financial planning, wealth management, security brokerage, investment management, commercial banking, and online and mobile banking services, as well as installment loans. It serves individual, corporate, institutional, and governmental customers through its 11 full-services banking centers in northern Illinois and southern Wisconsin. The company was founded in 1881 and is headquartered in Beloit, Wisconsin.

About First Seacoast Bancorp

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides commercial and consumer banking services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp, Inc. is a subsidiary of First Seacoast Bancorp, MHC.