Head to Head Review: NSTS Bancorp (NASDAQ:NSTS) versus WCF Bancorp (OTCMKTS:WCFB)

NSTS Bancorp (NASDAQ:NSTS) and WCF Bancorp (OTCMKTS:WCFB) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, earnings, risk, institutional ownership, profitability, analyst recommendations and valuation.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NSTS Bancorp	$13.27 million	4.75	-$390,000.00	($0.08)	-149.94
WCF Bancorp	$11.85 million	0.96	-$40,000.00	N/A	N/A

WCF Bancorp has lower revenue, but higher earnings than NSTS Bancorp.

Analyst Ratings

This is a summary of current ratings and price targets for NSTS Bancorp and WCF Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NSTS Bancorp	1	0	0	0	1.00
WCF Bancorp	0	0	0	0	0.00

Profitability

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

	Net Margins	Return on Equity	Return on Assets
NSTS Bancorp	-2.91%	-0.49%	-0.14%
WCF Bancorp	N/A	N/A	N/A

Volatility and Risk

NSTS Bancorp has a beta of 0.14, suggesting that its stock price is 86% less volatile than the S&P 500. Comparatively, WCF Bancorp has a beta of 0.12, suggesting that its stock price is 88% less volatile than the S&P 500.

Insider and Institutional Ownership

23.7% of NSTS Bancorp shares are held by institutional investors. 6.2% of NSTS Bancorp shares are held by insiders. Comparatively, 0.8% of WCF Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

NSTS Bancorp beats WCF Bancorp on 6 of the 10 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 WCF Bancorp

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, and Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.