BCB Bancorp (NASDAQ:BCBP – Get Free Report) and Trinity Bank, N.A. (OTCMKTS:TYBT – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, analyst recommendations, earnings, valuation and profitability.
Analyst Recommendations
This is a breakdown of current ratings and recommmendations for BCB Bancorp and Trinity Bank, N.A., as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
BCB Bancorp | 0 | 2 | 1 | 0 | 2.33 |
Trinity Bank, N.A. | 0 | 0 | 0 | 0 | N/A |
BCB Bancorp currently has a consensus price target of $12.75, suggesting a potential upside of 29.84%. Given BCB Bancorp’s higher possible upside, equities research analysts plainly believe BCB Bancorp is more favorable than Trinity Bank, N.A..
Dividends
Valuation & Earnings
This table compares BCB Bancorp and Trinity Bank, N.A.’s gross revenue, earnings per share (EPS) and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
BCB Bancorp | $192.45 million | 0.86 | $29.48 million | $1.56 | 6.29 |
Trinity Bank, N.A. | $24.78 million | 4.12 | $8.02 million | $7.14 | 13.17 |
BCB Bancorp has higher revenue and earnings than Trinity Bank, N.A.. BCB Bancorp is trading at a lower price-to-earnings ratio than Trinity Bank, N.A., indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
BCB Bancorp has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500. Comparatively, Trinity Bank, N.A. has a beta of 0.03, indicating that its share price is 97% less volatile than the S&P 500.
Institutional & Insider Ownership
36.0% of BCB Bancorp shares are owned by institutional investors. 15.9% of BCB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Profitability
This table compares BCB Bancorp and Trinity Bank, N.A.’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
BCB Bancorp | 13.41% | 9.78% | 0.72% |
Trinity Bank, N.A. | 30.65% | N/A | N/A |
Summary
BCB Bancorp beats Trinity Bank, N.A. on 10 of the 15 factors compared between the two stocks.
About BCB Bancorp
BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank that engages in the provision of banking products and services to businesses and individuals in the United States. The company offers insured deposit products, including savings and club accounts, interest and non-interest-bearing demand accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also provides various loan products, such as commercial and multi-family real estate loans, one-to-four family mortgage loans, commercial business loans, construction loans, home equity loans, and consumer loans. In addition, the company offers retail and commercial banking services comprising wire transfer, money order, safe deposit box, night depository, debit card, online and mobile banking, fraud detection, and automated teller services. The company was founded in 2000 and is based in Bayonne, New Jersey.
About Trinity Bank, N.A.
Trinity Bank, N.A. provides personal and business banking products and services in Texas. It provides personal and business deposits, such as checking and money market accounts; treasury tax and loan deposits; mobile deposits; certificates of deposit; and automobile, secured/unsecured, home improvement, lots and interim construction, installment/term, equipment, and real estate loans, as well as revolving lines of credit. The company also offers cash management, internet and mobile banking, remote capture, CD ROM delivery, foreign and domestic wire transfer, and bill pay services, as well as ATM or Visa check cards, merchant cards, and debit cards. Trinity Bank, N.A. was founded in 2003 and is based in Fort Worth, Texas.
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