Institutional & Insider Ownership
23.7% of NSTS Bancorp shares are held by institutional investors. Comparatively, 26.4% of Sterling Bancorp shares are held by institutional investors. 4.6% of NSTS Bancorp shares are held by company insiders. Comparatively, 1.8% of Sterling Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Profitability
This table compares NSTS Bancorp and Sterling Bancorp’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% |
| Sterling Bancorp | 4.45% | 1.83% | 0.25% |
Volatility and Risk
NSTS Bancorp has a beta of 0.07, indicating that its stock price is 93% less volatile than the S&P 500. Comparatively, Sterling Bancorp has a beta of 0.52, indicating that its stock price is 48% less volatile than the S&P 500.
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NSTS Bancorp | $6.26 million | 10.00 | -$3.96 million | ($0.90) | -13.21 |
| Sterling Bancorp | $59.26 million | 4.20 | $7.41 million | $0.13 | 36.62 |
Sterling Bancorp has higher revenue and earnings than NSTS Bancorp. NSTS Bancorp is trading at a lower price-to-earnings ratio than Sterling Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Sterling Bancorp beats NSTS Bancorp on 9 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 Sterling Bancorp
Sterling Bancorp, Inc. is a unitary thrift holding company. Its wholly owned subsidiary, Sterling Bank and Trust, F.S.B., has primary branch operations in San Francisco and Los Angeles, California and New York City, and a loan production office in Seattle, Washington. Sterling offers a broad range of loan products to the residential and commercial markets, as well as retail and business banking services. Sterling also has an operations center and a branch in Southfield, Michigan. Sterling was named as the top performing community bank in the United States with total assets between $1 billion and $10 billion in 2017 by SNL/S&P Global Market Intelligence.
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