NB Bancorp (NASDAQ:NBBK) and Timberland Bancorp (NASDAQ:TSBK) Critical Survey

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

Valuation & Earnings

This table compares NB Bancorp and Timberland Bancorp’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NB Bancorp	$236.08 million	2.61	$9.82 million	N/A	N/A
Timberland Bancorp	$91.09 million	2.29	$27.12 million	$3.05	8.54

Timberland Bancorp has lower revenue, but higher earnings than NB Bancorp.

Institutional and Insider Ownership

65.5% of Timberland Bancorp shares are owned by institutional investors. 1.7% of NB Bancorp shares are owned by insiders. Comparatively, 3.4% of Timberland Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
NB Bancorp	N/A	N/A	N/A
Timberland Bancorp	25.38%	10.64%	1.34%

Analyst Ratings

This is a summary of recent ratings for NB Bancorp and Timberland Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NB Bancorp	0	0	1	0	3.00
Timberland Bancorp	0	0	0	0	N/A

NB Bancorp presently has a consensus price target of $17.00, suggesting a potential upside of 17.97%. Given NB Bancorp’s higher possible upside, analysts plainly believe NB Bancorp is more favorable than Timberland Bancorp.

Summary

Timberland Bancorp beats NB Bancorp on 6 of the 10 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 Timberland Bancorp

Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various community banking services in Washington. It offers various deposit products, including money market deposit, checking, and regular savings accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, and commercial real estate loans; and construction lending products, such as custom and owner/builder, speculative one- to four-family, commercial, multi-family, land development, and land development. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans, automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans; and commercial business loans. Timberland Bancorp, Inc. was founded in 1915 and is headquartered in Hoquiam, Washington.