MSB Financial (MSBF) vs. Sterling Bancorp (SBT) Financial Review

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

Analyst Recommendations

This is a breakdown of current recommendations for MSB Financial and Sterling Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MSB Financial 0 0 0 0 N/A
Sterling Bancorp 0 0 1 0 3.00

Sterling Bancorp has a consensus price target of $13.00, indicating a potential upside of 37.57%. Given Sterling Bancorp’s higher possible upside, analysts clearly believe Sterling Bancorp is more favorable than MSB Financial.

Insider & Institutional Ownership

21.0% of MSB Financial shares are owned by institutional investors. Comparatively, 29.9% of Sterling Bancorp shares are owned by institutional investors. 18.0% of MSB Financial shares are owned by insiders. Comparatively, 3.0% of Sterling Bancorp shares are owned by 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.

Dividends

Sterling Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. MSB Financial does not pay a dividend.

Profitability

This table compares MSB Financial and Sterling Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
MSB Financial 16.37% 6.44% 0.78%
Sterling Bancorp 31.33% 19.34% 1.86%

Earnings and Valuation

This table compares MSB Financial and Sterling Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
MSB Financial $20.30 million 5.13 $2.72 million N/A N/A
Sterling Bancorp $139.34 million 3.60 $37.97 million N/A N/A

Sterling Bancorp has higher revenue and earnings than MSB Financial.

Summary

Sterling Bancorp beats MSB Financial on 9 of the 12 factors compared between the two stocks.

About MSB Financial

MSB Financial Corp. operates as the bank holding company for Millington Bank that provides various banking products and services in New Jersey. The company offers deposit products, including checking accounts; savings accounts, such as regular passbook, statement, money market, and club accounts, as well as six-level tiered savings accounts; certificates of deposit; and fixed or variable rate individual retirement accounts. Its loan portfolio comprises one-to four-family real estate mortgage loans, commercial and multi-family real estate mortgage loans, construction loans, commercial and industrial loans, and home equity loans and lines of credit, as well as consumer loans consisting of new and used automobile loans, secured and unsecured personal loans, account loans, and overdraft lines of credit. The company was founded in 1911 and is based in Millington, New Jersey.

About Sterling Bancorp

Sterling Bancorp, Inc. is a unitary thrift holding company. Its wholly owned subsidiary, Sterling Bank and Trust, F.S.B., has primary branch operations in San Francisco and Los Angeles, California and New York City, and a loan production office in Seattle, Washington. Sterling offers a broad range of loan products to the residential and commercial markets, as well as retail and business banking services. Sterling also has an operations center and a branch in Southfield, Michigan. Sterling was named as the top performing community bank in the United States with total assets between $1 billion and $10 billion in 2017 by SNL/S&P Global Market Intelligence.

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