Sterling Bancorp (NASDAQ:SBT) and CFSB Bancorp (NASDAQ:CFSB) Financial Contrast

Risk and Volatility

Sterling Bancorp has a beta of 0.53, suggesting that its share price is 47% less volatile than the S&P 500. Comparatively, CFSB Bancorp has a beta of 0.1, suggesting that its share price is 90% less volatile than the S&P 500.

Earnings and Valuation

This table compares Sterling Bancorp and CFSB Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sterling Bancorp	$136.19 million	1.82	$2.14 million	$0.05	94.82
CFSB Bancorp	$12.34 million	4.02	$30,000.00	($0.01)	-748.10

Sterling Bancorp has higher revenue and earnings than CFSB Bancorp. CFSB 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.

Profitability

This table compares Sterling Bancorp and CFSB Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Sterling Bancorp	1.57%	0.65%	0.09%
CFSB Bancorp	-0.36%	-0.06%	-0.01%

Institutional & Insider Ownership

26.4% of Sterling Bancorp shares are held by institutional investors. Comparatively, 1.4% of CFSB Bancorp shares are held by institutional investors. 1.8% of Sterling Bancorp shares are held by insiders. Comparatively, 4.9% of CFSB Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Summary

Sterling Bancorp beats CFSB Bancorp on 9 of the 11 factors compared between the two stocks.

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.

About CFSB Bancorp

CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. Further, it offers online and mobile banking, and online bill pay services. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. is a subsidiary of 15 Beach, MHC.