Eagle Bancorp Montana (NASDAQ: BLMT) and BSB Bancorp (NASDAQ:BLMT) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their institutional ownership, valuation, analyst recommendations, profitability, risk, dividends and earnings.

Insider and Institutional Ownership

42.2% of Eagle Bancorp Montana shares are owned by institutional investors. Comparatively, 49.5% of BSB Bancorp shares are owned by institutional investors. 6.9% of Eagle Bancorp Montana shares are owned by insiders. Comparatively, 14.4% of BSB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Eagle Bancorp Montana and BSB Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Eagle Bancorp Montana $42.19 million 2.45 $4.10 million $1.27 14.88
BSB Bancorp $80.77 million 3.98 $14.38 million N/A N/A

BSB Bancorp has higher revenue and earnings than Eagle Bancorp Montana.

Dividends

Eagle Bancorp Montana pays an annual dividend of $0.37 per share and has a dividend yield of 2.0%. BSB Bancorp does not pay a dividend. Eagle Bancorp Montana pays out 29.1% of its earnings in the form of a dividend. Eagle Bancorp Montana has raised its dividend for 2 consecutive years.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Eagle Bancorp Montana and BSB Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Eagle Bancorp Montana 0 0 1 0 3.00
BSB Bancorp 0 0 0 0 N/A

Profitability

This table compares Eagle Bancorp Montana and BSB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Eagle Bancorp Montana 9.32% 7.06% 0.76%
BSB Bancorp 20.47% 11.74% 0.79%

Volatility & Risk

Eagle Bancorp Montana has a beta of 0.2, indicating that its share price is 80% less volatile than the S&P 500. Comparatively, BSB Bancorp has a beta of 0.35, indicating that its share price is 65% less volatile than the S&P 500.

Summary

BSB Bancorp beats Eagle Bancorp Montana on 11 of the 14 factors compared between the two stocks.

Eagle Bancorp Montana Company Profile

Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail banking products and services in Montana. The company offers one-to-four family residential mortgage loans; commercial real estate loans; real estate construction loans; home equity loans; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; and consumer loans comprising loans that are secured by collateral other than real estate, such as automobiles, recreational vehicles, and boats. It also accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit accounts. In addition, the company provides wealth management and mortgage loan services. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.

BSB Bancorp Company Profile

BSB Bancorp, Inc. operates as the holding company for Belmont Savings Bank that provides commercial and retail banking services to small businesses, municipalities, nonprofit organizations, and other customers in the United States. Its deposit products include relationship checking accounts for consumers and businesses, passbook and statement savings accounts, certificates of deposit, money market accounts, interest on lawyer trust accounts, and individual retirement accounts, as well as commercial, municipal, and regular checking accounts. The company's loan portfolio comprises one to four family residential mortgage loans, commercial real estate loans, multi-family real estate loans, home equity lines of credit, indirect automobile loans, commercial business loans, construction loans and investment securities, other consumer loans, and second mortgage loans. BSB Bancorp, Inc. also offers lockbox, online and mobile banking, global payments, and cash management services. It operates through six full-service branch offices located in Belmont, Watertown, Waltham, Newton, and Cambridge in Southeast Middlesex County, Massachusetts. The company was incorporated in 2011 and is headquartered in Belmont, Massachusetts.

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