Critical Review: NSTS Bancorp (NASDAQ:NSTS) & First Capital (NASDAQ:FCAP)

NSTS Bancorp (NASDAQ:NSTSGet Free Report) and First Capital (NASDAQ:FCAPGet Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, institutional ownership, risk, dividends, earnings, profitability and analyst recommendations.

Analyst Recommendations

This is a summary of recent recommendations for NSTS Bancorp and First Capital, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
NSTS Bancorp 0 0 0 0 N/A
First Capital 0 0 0 0 N/A

Insider and Institutional Ownership

10.8% of NSTS Bancorp shares are owned by institutional investors. Comparatively, 11.9% of First Capital shares are owned by institutional investors. 5.0% of NSTS Bancorp shares are owned by company insiders. Comparatively, 4.2% of First Capital shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Risk & Volatility

NSTS Bancorp has a beta of 0.08, suggesting that its stock price is 92% less volatile than the S&P 500. Comparatively, First Capital has a beta of 0.65, suggesting that its stock price is 35% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
NSTS Bancorp -1.83% -0.19% -0.06%
First Capital 24.96% 13.91% 1.12%

Earnings & Valuation

This table compares NSTS Bancorp and First Capital’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
NSTS Bancorp $7.58 million 6.75 $30,000.00 ($0.04) -240.50
First Capital $51.24 million 1.96 $11.90 million $3.83 7.83

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

Summary

First Capital beats NSTS Bancorp on 9 of the 11 factors compared between the two stocks.

About NSTS Bancorp

(Get Free Report)

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 First Capital

(Get Free Report)

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers. The company offers various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also provides residential mortgage loans, construction loans for residential and commercial properties, and commercial real estate loans, as well as commercial business loans. In addition, the company originates mortgage loans for sale in the secondary market and sells non-deposit investment products; and offers various secured or guaranteed consumer loans comprising automobile and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans, credit cards and other personal loans, and loans secured by savings deposits, as well as unsecured consumer loans. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.

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