BSB Bancorp (NASDAQ:BLMT) vs. First Western Financial (NASDAQ:MYFW) Financial Survey

First Western Financial (NASDAQ:MYFW) and BSB Bancorp (NASDAQ:BLMT) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, risk, institutional ownership, valuation, analyst recommendations, dividends and profitability.

Valuation & Earnings

This table compares First Western Financial and BSB Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Western Financial $65.97 million 1.62 $5.65 million N/A N/A
BSB Bancorp $103.27 million 3.13 $22.91 million N/A N/A

BSB Bancorp has higher revenue and earnings than First Western Financial.

Institutional & Insider Ownership

36.1% of First Western Financial shares are owned by institutional investors. Comparatively, 48.3% of BSB Bancorp shares are owned by institutional investors. 24.4% of First Western Financial shares are owned by insiders. Comparatively, 14.4% of BSB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

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

Net Margins Return on Equity Return on Assets
First Western Financial 8.99% 5.34% 0.56%
BSB Bancorp 22.18% 12.51% 0.83%

Analyst Recommendations

This is a summary of current ratings for First Western Financial and BSB Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Western Financial 0 1 1 0 2.50
BSB Bancorp 0 0 0 0 N/A

First Western Financial currently has a consensus target price of $19.00, suggesting a potential upside of 41.69%. Given First Western Financial’s higher probable upside, research analysts clearly believe First Western Financial is more favorable than BSB Bancorp.

Summary

BSB Bancorp beats First Western Financial on 7 of the 11 factors compared between the two stocks.

First Western Financial Company Profile

First Western Financial, Inc., a financial holding company, through its subsidiaries, provides an integrated suite of wealth management services comprising private banking, personal trust, investment management, mortgage loans, and institutional asset management services. It operates through three segments: Wealth Management, Capital Management, and Mortgage. The Wealth Management segment provides deposit, loan, insurance, and trust and investment management advisory products and services. The Capital Management offers institutional investment management services; and acts as advisor of proprietary mutual funds. The Mortgage segment engages in soliciting, originating, and selling mortgage loans into the secondary market. The company serves entrepreneurs, professionals, and high-net worth individuals and their related philanthropic and business organizations through a network of boutique private trust bank offices in Colorado, Arizona, Wyoming, and California. First Western Financial, Inc. was founded in 2002 and is headquartered in Denver, Colorado.

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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