NSTS Bancorp (NASDAQ:NSTS – Get Free Report) and Flagstar Bank, National Association (NYSE:FLG – Get Free Report) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, risk, dividends, valuation, analyst recommendations, profitability and earnings.
Profitability
This table compares NSTS Bancorp and Flagstar Bank, National Association’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NSTS Bancorp | -0.72% | -0.12% | -0.04% |
| Flagstar Bank, National Association | -1.22% | -0.11% | -0.01% |
Earnings & Valuation
This table compares NSTS Bancorp and Flagstar Bank, National Association”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NSTS Bancorp | $13.27 million | 5.47 | -$390,000.00 | ($0.02) | -690.50 |
| Flagstar Bank, National Association | $4.81 billion | 1.29 | -$177.00 million | ($0.22) | -67.69 |
NSTS Bancorp has higher earnings, but lower revenue than Flagstar Bank, National Association. NSTS Bancorp is trading at a lower price-to-earnings ratio than Flagstar Bank, National Association, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
NSTS Bancorp has a beta of 0.22, indicating that its stock price is 78% less volatile than the S&P 500. Comparatively, Flagstar Bank, National Association has a beta of 1.01, indicating that its stock price is 1% more volatile than the S&P 500.
Insider & Institutional Ownership
23.7% of NSTS Bancorp shares are owned by institutional investors. Comparatively, 67.9% of Flagstar Bank, National Association shares are owned by institutional investors. 8.3% of NSTS Bancorp shares are owned by insiders. Comparatively, 21.4% of Flagstar Bank, National Association shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Analyst Recommendations
This is a summary of recent recommendations and price targets for NSTS Bancorp and Flagstar Bank, National Association, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NSTS Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| Flagstar Bank, National Association | 1 | 3 | 9 | 0 | 2.62 |
Flagstar Bank, National Association has a consensus target price of $16.96, suggesting a potential upside of 13.88%. Given Flagstar Bank, National Association’s stronger consensus rating and higher possible upside, analysts clearly believe Flagstar Bank, National Association is more favorable than NSTS Bancorp.
Summary
Flagstar Bank, National Association beats NSTS Bancorp on 10 of the 14 factors compared between the two stocks.
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.
About Flagstar Bank, National Association
Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.
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