Five Star Bancorp (FSBC) Competitors

Bank of N.T. Butterfield & Son (NYSE:NTB) and Five Star Bancorp (NASDAQ:FSBC) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, media sentiment, valuation, earnings, analyst recommendations, profitability, risk and dividends.

Do analysts prefer NTB or FSBC?

Bank of N.T. Butterfield & Son presently has a consensus price target of $44.67, suggesting a potential downside of 3.61%. Five Star Bancorp has a consensus price target of $35.00, suggesting a potential upside of 15.07%. Given Five Star Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe Five Star Bancorp is more favorable than Bank of N.T. Butterfield & Son.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of N.T. Butterfield & Son	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67
Five Star Bancorp	0 Sell rating(s)	1 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.80

Does the media refer more to NTB or FSBC?

In the previous week, Five Star Bancorp had 3 more articles in the media than Bank of N.T. Butterfield & Son. MarketBeat recorded 5 mentions for Five Star Bancorp and 2 mentions for Bank of N.T. Butterfield & Son. Five Star Bancorp's average media sentiment score of 0.94 beat Bank of N.T. Butterfield & Son's score of -0.23 indicating that Five Star Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bank of N.T. Butterfield & Son	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral
Five Star Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is NTB or FSBC a better dividend stock?

Bank of N.T. Butterfield & Son pays an annual dividend of $1.76 per share and has a dividend yield of 3.8%. Five Star Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.6%. Bank of N.T. Butterfield & Son pays out 36.5% of its earnings in the form of a dividend. Five Star Bancorp pays out 35.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Which has better valuation and earnings, NTB or FSBC?

Bank of N.T. Butterfield & Son has higher revenue and earnings than Five Star Bancorp. Bank of N.T. Butterfield & Son is trading at a lower price-to-earnings ratio than Five Star Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of N.T. Butterfield & Son	$815.73M	2.70	$216.32M	$4.82	9.61
Five Star Bancorp	$213.40M	3.04	$45.67M	$2.28	13.34

Which has more risk and volatility, NTB or FSBC?

Bank of N.T. Butterfield & Son has a beta of 0.64, suggesting that its share price is 36% less volatile than the S&P 500. Comparatively, Five Star Bancorp has a beta of 0.51, suggesting that its share price is 49% less volatile than the S&P 500.

Is NTB or FSBC more profitable?

Bank of N.T. Butterfield & Son has a net margin of 26.54% compared to Five Star Bancorp's net margin of 21.64%. Bank of N.T. Butterfield & Son's return on equity of 21.30% beat Five Star Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bank of N.T. Butterfield & Son	26.54%	21.30%	1.56%
Five Star Bancorp	21.64%	12.24%	1.22%

Do insiders & institutionals hold more shares of NTB or FSBC?

62.7% of Bank of N.T. Butterfield & Son shares are held by institutional investors. Comparatively, 46.9% of Five Star Bancorp shares are held by institutional investors. 1.2% of Bank of N.T. Butterfield & Son shares are held by insiders. Comparatively, 21.7% of Five Star Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

Bank of N.T. Butterfield & Son and Five Star Bancorp tied by winning 9 of the 18 factors compared between the two stocks.