Reviewing BV Financial (NASDAQ:BVFL) & NSTS Bancorp (NASDAQ:NSTS)

Earnings & Valuation

This table compares BV Financial and NSTS Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BV Financial	$37.70 million	4.68	$11.72 million	$1.09	13.94
NSTS Bancorp	$6.58 million	9.92	-$3.96 million	($0.90)	-13.79

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.

Institutional & Insider Ownership

42.7% of BV Financial shares are held by institutional investors. Comparatively, 23.7% of NSTS Bancorp shares are held by institutional investors. 7.8% of BV Financial shares are held by insiders. Comparatively, 4.6% of NSTS Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Risk and Volatility

BV Financial has a beta of 0.61, meaning that its stock price is 39% less volatile than the S&P 500. Comparatively, NSTS Bancorp has a beta of 0.05, meaning that its stock price is 95% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
BV Financial	23.83%	6.09%	1.40%
NSTS Bancorp	-48.24%	-5.83%	-1.71%

Summary

BV Financial beats NSTS Bancorp on 10 of the 11 factors compared between the two stocks.

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.

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.