Flagstar Bank, National Association (NYSE:FLG) vs. NSTS Bancorp (NASDAQ:NSTS) Financial Analysis

Flagstar Bank, National Association (NYSE:FLG) and NSTS Bancorp (NASDAQ:NSTS) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, earnings, dividends, risk, profitability, analyst recommendations and institutional ownership.

Analyst Recommendations

This is a breakdown of recent recommendations for Flagstar Bank, National Association and NSTS Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flagstar Bank, National Association	1	3	9	0	2.62
NSTS Bancorp	1	0	0	0	1.00

Flagstar Bank, National Association currently has a consensus target price of $16.96, indicating a potential upside of 13.88%. Given Flagstar Bank, National Association’s stronger consensus rating and higher possible upside, equities analysts plainly believe Flagstar Bank, National Association is more favorable than NSTS Bancorp.

Institutional & Insider Ownership

67.9% of Flagstar Bank, National Association shares are held by institutional investors. Comparatively, 23.7% of NSTS Bancorp shares are held by institutional investors. 21.4% of Flagstar Bank, National Association shares are held by insiders. Comparatively, 8.3% of NSTS Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Volatility & Risk

Flagstar Bank, National Association has a beta of 1.01, indicating that its stock price is 1% more volatile than the S&P 500. Comparatively, NSTS Bancorp has a beta of 0.22, indicating that its stock price is 78% less volatile than the S&P 500.

Profitability

This table compares Flagstar Bank, National Association and NSTS Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Flagstar Bank, National Association	-1.22%	-0.11%	-0.01%
NSTS Bancorp	-0.72%	-0.12%	-0.04%

Earnings and Valuation

This table compares Flagstar Bank, National Association and NSTS Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Flagstar Bank, National Association	$4.81 billion	1.29	-$177.00 million	($0.22)	-67.69
NSTS Bancorp	$13.27 million	5.47	-$390,000.00	($0.02)	-690.50

NSTS Bancorp has lower revenue, but higher earnings than Flagstar Bank, National Association. NSTS Bancorp is trading at a lower price-to-earnings ratio than Flagstar Bank, National Association, indicating that it is currently the more affordable of the two stocks.

Summary

Flagstar Bank, National Association beats NSTS Bancorp on 10 of the 14 factors compared between the two stocks.

About Flagstar Bank, National Association

Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.

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.