Mid-Southern Bancorp (NASDAQ:MSVB – Get Free Report) and NSTS Bancorp (NASDAQ:NSTS – Get Free Report) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, valuation, profitability, risk and dividends.
Insider and Institutional Ownership
27.6% of Mid-Southern Bancorp shares are held by institutional investors. Comparatively, 10.8% of NSTS Bancorp shares are held by institutional investors. 10.2% of Mid-Southern Bancorp shares are held by insiders. Comparatively, 5.0% of NSTS Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Volatility & Risk
Mid-Southern Bancorp has a beta of 0.23, indicating that its stock price is 77% less volatile than the S&P 500. Comparatively, NSTS Bancorp has a beta of -0.02, indicating that its stock price is 102% less volatile than the S&P 500.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Mid-Southern Bancorp | 14.77% | 4.89% | 0.61% |
| NSTS Bancorp | 2.54% | 0.25% | 0.08% |
Analyst Recommendations
This is a breakdown of recent recommendations for Mid-Southern Bancorp and NSTS Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Mid-Southern Bancorp | 0 | 0 | 0 | 0 | N/A |
| NSTS Bancorp | 0 | 0 | 0 | 0 | N/A |
Valuation & Earnings
This table compares Mid-Southern Bancorp and NSTS Bancorp’s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Mid-Southern Bancorp | $10.06 million | 2.85 | $1.88 million | $0.60 | 16.62 |
| NSTS Bancorp | $7.58 million | 6.57 | $30,000.00 | $0.03 | 302.10 |
Mid-Southern Bancorp has higher revenue and earnings than NSTS Bancorp. Mid-Southern Bancorp is trading at a lower price-to-earnings ratio than NSTS Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Mid-Southern Bancorp beats NSTS Bancorp on 9 of the 11 factors compared between the two stocks.
About Mid-Southern Bancorp
Mid-Southern Bancorp, Inc. operates as the holding company for Mid-Southern Savings Bank, FSB that provides various banking products and services to individuals and business customers. It accepts various deposit products, including checking, savings, money market, and demand accounts, as well as certificates of deposit and term deposits. The company also offers loans secured by first mortgages on one- to four-family residences, including home equity loans and lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences; commercial and multifamily real estate loans; land and lot loans; commercial business loans; consumer loans, including new and used manufactured homes, automobiles and truck, boats, and motorcycles and recreational vehicle loans; loans secured by savings deposits and other personal loans; and unsecured consumer loans. In addition, it holds and manages an investment securities portfolio. The company provides its products and services through its main office in Salem; and through its branch offices located in Mitchell and Orleans, Indiana, as well as through loan production offices located in New Albany, Indiana and Louisville, Kentucky. The company was founded in 1886 and is headquartered in Salem, Indiana.
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.
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