First Seacoast Bancorp (NASDAQ:FSEA) vs. NB Bancorp (NASDAQ:NBBK) Head-To-Head Comparison

NB Bancorp (NASDAQ:NBBK) and First Seacoast Bancorp (NASDAQ:FSEA) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their institutional ownership, dividends, analyst recommendations, profitability, risk, valuation and earnings.

Institutional and Insider Ownership

38.4% of First Seacoast Bancorp shares are owned by institutional investors. 5.1% of NB Bancorp shares are owned by company insiders. Comparatively, 7.8% of First Seacoast Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Risk & Volatility

NB Bancorp has a beta of 0.03, indicating that its stock price is 97% less volatile than the S&P 500. Comparatively, First Seacoast Bancorp has a beta of 0.16, indicating that its stock price is 84% less volatile than the S&P 500.

Profitability

This table compares NB Bancorp and First Seacoast Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
NB Bancorp	13.81%	8.57%	1.09%
First Seacoast Bancorp	-2.60%	-1.20%	-0.12%

Valuation and Earnings

This table compares NB Bancorp and First Seacoast Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NB Bancorp	$235.63 million	4.01	$50.30 million	$1.37	15.43
First Seacoast Bancorp	$15.66 million	5.06	-$850,000.00	($0.22)	-76.73

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

Analyst Ratings

This is a breakdown of current ratings and target prices for NB Bancorp and First Seacoast Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NB Bancorp	0	3	1	0	2.25
First Seacoast Bancorp	0	1	0	0	2.00

NB Bancorp presently has a consensus price target of $24.00, indicating a potential upside of 13.53%. Given NB Bancorp’s stronger consensus rating and higher possible upside, equities research analysts plainly believe NB Bancorp is more favorable than First Seacoast Bancorp.

Summary

NB Bancorp beats First Seacoast Bancorp on 10 of the 14 factors compared between the two stocks.

About NB Bancorp

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.

About First Seacoast Bancorp

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides commercial and consumer banking services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp, Inc. is a subsidiary of First Seacoast Bancorp, MHC.