Insider & Institutional Ownership
23.7% of NSTS Bancorp shares are held by institutional investors. Comparatively, 42.7% of BV Financial shares are held by institutional investors. 4.6% of NSTS Bancorp shares are held by company insiders. Comparatively, 7.8% of BV Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Profitability
This table compares NSTS Bancorp and BV Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NSTS Bancorp | -48.24% | -5.83% | -1.71% |
| BV Financial | 23.83% | 6.09% | 1.40% |
Volatility & Risk
NSTS Bancorp has a beta of 0.05, indicating that its share price is 95% less volatile than the S&P 500. Comparatively, BV Financial has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.
Earnings & Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NSTS Bancorp | $6.26 million | 10.51 | -$3.96 million | ($0.90) | -13.89 |
| BV Financial | $37.70 million | 4.65 | $11.72 million | $1.09 | 13.86 |
BV Financial has higher revenue and earnings than NSTS Bancorp. NSTS Bancorp is trading at a lower price-to-earnings ratio than BV Financial, indicating that it is currently the more affordable of the two stocks.
Summary
BV Financial beats NSTS Bancorp on 10 of the 11 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 BV Financial
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.
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