Contrasting BV Financial (NASDAQ:BVFL) & Sterling Bancorp (NASDAQ:SBT)

Insider & Institutional Ownership

42.7% of BV Financial shares are held by institutional investors. Comparatively, 26.4% of Sterling Bancorp shares are held by institutional investors. 11.8% of BV Financial shares are held by insiders. Comparatively, 1.8% of Sterling Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Volatility & Risk

BV Financial has a beta of 0.63, suggesting that its stock price is 37% less volatile than the S&P 500. Comparatively, Sterling Bancorp has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500.

Earnings and Valuation

This table compares BV Financial and Sterling Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BV Financial	$38.33 million	4.24	$11.72 million	$1.06	14.48
Sterling Bancorp	$57.53 million	4.40	$2.14 million	$0.05	96.80

BV Financial has higher earnings, but lower revenue than Sterling Bancorp. BV Financial 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 BV Financial and Sterling 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%
Sterling Bancorp	1.57%	0.65%	0.09%

Summary

BV Financial beats Sterling Bancorp on 8 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 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.