Head-To-Head Survey: Wayne Savings Bancshares (OTCMKTS:WAYN) & NSTS Bancorp (NASDAQ:NSTS)

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

Volatility and Risk

NSTS Bancorp has a beta of 0.08, indicating that its stock price is 92% less volatile than the S&P 500. Comparatively, Wayne Savings Bancshares has a beta of 0.28, indicating that its stock price is 72% less volatile than the S&P 500.

Profitability

This table compares NSTS Bancorp and Wayne Savings Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
NSTS Bancorp	-59.99%	-5.61%	-1.70%
Wayne Savings Bancshares	17.74%	16.26%	1.03%

Valuation & Earnings

This table compares NSTS Bancorp and Wayne Savings Bancshares’ revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NSTS Bancorp	$5.18 million	10.45	-$3.96 million	($0.88)	-11.57
Wayne Savings Bancshares	$38.11 million	1.40	$7.83 million	$3.21	7.56

Wayne Savings Bancshares has higher revenue and earnings than NSTS Bancorp. NSTS Bancorp is trading at a lower price-to-earnings ratio than Wayne Savings Bancshares, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of current ratings and target prices for NSTS Bancorp and Wayne Savings Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NSTS Bancorp	0	0	0	0	N/A
Wayne Savings Bancshares	0	0	0	0	N/A

Insider and Institutional Ownership

23.7% of NSTS Bancorp shares are held by institutional investors. Comparatively, 12.1% of Wayne Savings Bancshares shares are held by institutional investors. 4.6% of NSTS Bancorp shares are held by company insiders. Comparatively, 3.2% of Wayne Savings Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Wayne Savings Bancshares beats NSTS Bancorp on 8 of the 11 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 Wayne Savings Bancshares

Wayne Savings Bancshares, Inc. operates as the holding company for Wayne Savings Community Bank that provides personal and business banking products and services to individuals, businesses, and other organizations. The company offers checking, savings, money market, and term certificate accounts, as well as certificates of deposit. It also provides residential mortgage, commercial, installment, residential and nonresidential real estate, commercial real estate, residential construction, multi-family real estate, land, commercial business, consumer, home, home equity, auto, recreational vehicle, personal, furniture and appliance, agriculture, and term loans, as well as lines of credit, government guaranteed programs, and standby letters of credit. In addition, the company offers retirement planning, investment advisory, insurance, and wealth management and trust services. Further, it provides overdraft protection, re-order check, remote deposit capture, merchant, sweep, online and mobile banking, and bill pay services, as well as debit, credit, and gift cards. The company was founded in 1899 and is based in Wooster, Ohio.