Southern Banc (OTCMKTS:SRNN) and NSTS Bancorp (NASDAQ:NSTS) Head to Head Comparison

Volatility & Risk

Southern Banc has a beta of -0.33, meaning that its stock price is 133% less volatile than the S&P 500. Comparatively, NSTS Bancorp has a beta of 0.04, meaning that its stock price is 96% less volatile than the S&P 500.

Earnings & Valuation

This table compares Southern Banc and NSTS Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Southern Banc	$10.60 million	1.05	$1.60 million	$1.83	7.51
NSTS Bancorp	$6.26 million	10.09	-$3.96 million	($0.90)	-13.33

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

Institutional and Insider Ownership

23.7% of NSTS Bancorp shares are held by institutional investors. 22.0% of Southern Banc shares are held by company insiders. Comparatively, 4.6% of NSTS Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Southern Banc	12.67%	9.76%	1.27%
NSTS Bancorp	-48.24%	-5.83%	-1.71%

Summary

Southern Banc beats NSTS Bancorp on 8 of the 11 factors compared between the two stocks.

About Southern Banc

The Southern Banc Company, Inc. operates as the holding company for The Southern Bank company that provides various banking products and services in Alabama. The company’s personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. Its business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.

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.