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 investment? We will compare the two companies based on the strength of their risk, earnings, institutional ownership, dividends, analyst recommendations, valuation and profitability.
Volatility and Risk
NSTS Bancorp has a beta of 0.22, indicating that its stock price is 78% less volatile than the S&P 500. Comparatively, SR Bancorp has a beta of 0.58, indicating that its stock price is 42% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for NSTS Bancorp and SR Bancorp, as reported by MarketBeat.
| 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 |
Insider and Institutional 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 stock will outperform the market over the long term.
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% |
Earnings and Valuation
This table compares NSTS Bancorp and SR Bancorp”s top-line revenue, earnings per share 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 |
SR Bancorp has higher revenue and earnings than NSTS Bancorp. NSTS Bancorp is trading at a lower price-to-earnings ratio than SR Bancorp, indicating that it is currently the more affordable of the two stocks.
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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