Comparing First Seacoast Bancorp (NASDAQ:FSEA) & BV Financial (NASDAQ:BVFL)

Institutional and Insider Ownership

38.4% of First Seacoast Bancorp shares are owned by institutional investors. Comparatively, 42.7% of BV Financial shares are owned by institutional investors. 4.7% of First Seacoast Bancorp shares are owned by company insiders. Comparatively, 7.8% of BV Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Volatility and Risk

First Seacoast Bancorp has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500. Comparatively, BV Financial has a beta of 0.59, indicating that its share price is 41% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Seacoast Bancorp	-35.93%	-13.41%	-1.49%
BV Financial	23.83%	6.09%	1.40%

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Seacoast Bancorp	$8.74 million	5.89	-$10.66 million	($1.89)	-5.80
BV Financial	$37.70 million	4.65	$11.72 million	$1.09	13.86

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

Summary

BV Financial beats First Seacoast Bancorp on 10 of the 11 factors compared between the two stocks.

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.

About BV Financial

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.