Reviewing First Northern Community Bancorp (OTCMKTS:FNRN) and BV Financial (NASDAQ:BVFL)

Risk and Volatility

BV Financial has a beta of 0.61, meaning that its share price is 39% less volatile than the S&P 500. Comparatively, First Northern Community Bancorp has a beta of 0.33, meaning that its share price is 67% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
BV Financial	23.83%	6.09%	1.40%
First Northern Community Bancorp	25.01%	11.75%	1.05%

Insider & Institutional Ownership

42.7% of BV Financial shares are owned by institutional investors. Comparatively, 17.9% of First Northern Community Bancorp shares are owned by institutional investors. 7.8% of BV Financial shares are owned by insiders. Comparatively, 13.0% of First Northern Community 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.

Valuation and Earnings

This table compares BV Financial and First Northern Community Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BV Financial	$49.20 million	3.64	$11.72 million	$1.09	14.17
First Northern Community Bancorp	$81.97 million	1.84	$20.00 million	$1.30	7.65

First Northern Community Bancorp has higher revenue and earnings than BV Financial. First Northern Community 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

First Northern Community Bancorp beats BV Financial on 6 of the 11 factors compared between the two stocks.

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.

About First Northern Community Bancorp

First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small and medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market deposit accounts, and time deposits. It also offers commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. In addition, the company provides debit and credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. Further, it offers cashier's checks, safe deposit boxes, and other customary banking services. The company operates branches located in the cities of Auburn, Colusa, Davis, Dixon, Fairfield, Orland, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, Willows, and Woodland; satellite banking office inside a retirement community in the city of Davis; residential mortgage loan office in Davis; and commercial loan office in the Contra Costa County city of Walnut Creek. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.