1895 Bancorp of Wisconsin Inc. (BCOW) vs NSTS Bancorp, Inc. (NSTS)

1895 Bancorp of Wisconsin Inc. and NSTS Bancorp, Inc. are both Banks Regional companies. NSTS Bancorp, Inc. is the larger, with a market value of $74.1M against $57.9M — 1.3× the size. NSTS Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; 1895 Bancorp of Wisconsin Inc. trades at 84.3×. 1895 Bancorp of Wisconsin Inc. grew revenue faster over the last twelve months: 9.20% against 7.00%. 1895 Bancorp of Wisconsin Inc. has the higher net margin (3.58% vs −0.31%) and the higher return on invested capital (0.70% vs −0.09%). Across the 18 metrics below, 1895 Bancorp of Wisconsin Inc. leads on 10 and NSTS Bancorp, Inc. on 8.

Valuation

Metric BCOW NSTS Banks Regional median
P/E 84.33 n/m 12.15
P/S 2.87 4.99 2.37
P/B 1.26 0.87 1.21
Price to free cash flow 19.91 4.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.66 1.48 2.27
Earnings yield 1.19% (0.06%) 8.11%
Free cash flow yield 5.02% 22.83% 8.98%

Profitability

Metric BCOW NSTS Banks Regional median
Gross margin 61.21% 77.36% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 3.58% (0.31%) 18.66%
Free cash flow margin 0.00% 113.89% 21.18%
Return on equity 1.60% (0.05%) 10.64%
Return on assets 0.19% (0.02%) 1.13%
Return on invested capital 0.70% (0.09%) 8.33%

Growth

Metric BCOW NSTS Banks Regional median
Revenue growth (TTM) 9.20% 7.00% 6.61%
EPS growth (last fiscal year) 268.75% 50.00% —
Revenue growth, 5-year CAGR 6.83% 11.74% 12.30%
Net income growth, 5-year CAGR 1.52% 0.00% 9.71%

Health

Metric BCOW NSTS Banks Regional median
Debt to equity 1.41 0.00 0.22
Current ratio 1.13 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCOW NSTS Banks Regional median
Dividend yield — — 3.75%
Payout ratio 0.00 0.00 0.27

Size

Metric BCOW NSTS Banks Regional median
Market cap 57.91m 74.12m 921.07m

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