NSTS Bancorp (NSTS) Competitors

Norwood Financial (NASDAQ:NWFL) and NSTS Bancorp (NASDAQ:NSTS) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, media sentiment, dividends, profitability, earnings, analyst recommendations, risk and valuation.

Do analysts recommend NWFL or NSTS?

Norwood Financial presently has a consensus target price of $28.50, suggesting a potential upside of 6.34%. Given Norwood Financial's stronger consensus rating and higher possible upside, research analysts clearly believe Norwood Financial is more favorable than NSTS Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Norwood Financial	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33
NSTS Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Do insiders and institutionals believe in NWFL or NSTS?

28.1% of Norwood Financial shares are held by institutional investors. Comparatively, 23.7% of NSTS Bancorp shares are held by institutional investors. 9.1% of Norwood Financial shares are held by insiders. Comparatively, 6.2% of NSTS 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.

Is NWFL or NSTS more profitable?

Norwood Financial has a net margin of 2.92% compared to NSTS Bancorp's net margin of -6.17%. Norwood Financial's return on equity of 8.86% beat NSTS Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Norwood Financial	2.92%	8.86%	0.81%
NSTS Bancorp	-6.17%	-1.04%	-0.29%

Does the media favor NWFL or NSTS?

In the previous week, Norwood Financial had 1 more articles in the media than NSTS Bancorp. MarketBeat recorded 1 mentions for Norwood Financial and 0 mentions for NSTS Bancorp. Norwood Financial's average media sentiment score of 1.79 beat NSTS Bancorp's score of 0.00 indicating that Norwood Financial is being referred to more favorably in the media.

Company	Overall Sentiment
Norwood Financial	Very Positive
NSTS Bancorp	Neutral

Which has preferable earnings & valuation, NWFL or NSTS?

Norwood Financial has higher revenue and earnings than NSTS Bancorp. NSTS Bancorp is trading at a lower price-to-earnings ratio than Norwood Financial, 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
Norwood Financial	$101.43M	2.45	-$160K	$0.24	111.67
NSTS Bancorp	$9.12M	6.87	-$790K	-$0.16	-74.69

Which has more volatility & risk, NWFL or NSTS?

Norwood Financial has a beta of 0.71, suggesting that its stock price is 29% less volatile than the S&P 500. Comparatively, NSTS Bancorp has a beta of 0.14, suggesting that its stock price is 86% less volatile than the S&P 500.

Summary

Norwood Financial beats NSTS Bancorp on 15 of the 16 factors compared between the two stocks.