Contrasting BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) & Bridgewater Bancshares (NASDAQ:BWB)

BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) and Bridgewater Bancshares (NASDAQ:BWB) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their dividends, risk, analyst recommendations, earnings, profitability, institutional ownership and valuation.

Analyst Ratings

This is a breakdown of recent recommendations for BCB Bancorp, Inc. (NJ) and Bridgewater Bancshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BCB Bancorp, Inc. (NJ)	0	3	0	0	2.00
Bridgewater Bancshares	0	0	2	0	3.00

BCB Bancorp, Inc. (NJ) currently has a consensus target price of $9.50, indicating a potential upside of 9.45%. Bridgewater Bancshares has a consensus target price of $20.00, indicating a potential upside of 21.80%. Given Bridgewater Bancshares’ stronger consensus rating and higher possible upside, analysts plainly believe Bridgewater Bancshares is more favorable than BCB Bancorp, Inc. (NJ).

Volatility and Risk

BCB Bancorp, Inc. (NJ) has a beta of 0.78, meaning that its share price is 22% less volatile than the S&P 500. Comparatively, Bridgewater Bancshares has a beta of 0.58, meaning that its share price is 42% less volatile than the S&P 500.

Valuation and Earnings

This table compares BCB Bancorp, Inc. (NJ) and Bridgewater Bancshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BCB Bancorp, Inc. (NJ)	$196.95 million	0.76	$18.62 million	$0.19	45.68
Bridgewater Bancshares	$253.27 million	1.78	$32.83 million	$1.22	13.46

Bridgewater Bancshares has higher revenue and earnings than BCB Bancorp, Inc. (NJ). Bridgewater Bancshares is trading at a lower price-to-earnings ratio than BCB Bancorp, Inc. (NJ), indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares BCB Bancorp, Inc. (NJ) and Bridgewater Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BCB Bancorp, Inc. (NJ)	2.72%	1.76%	0.15%
Bridgewater Bancshares	14.03%	9.73%	0.77%

Insider & Institutional Ownership

36.0% of BCB Bancorp, Inc. (NJ) shares are held by institutional investors. Comparatively, 65.8% of Bridgewater Bancshares shares are held by institutional investors. 15.9% of BCB Bancorp, Inc. (NJ) shares are held by company insiders. Comparatively, 23.3% of Bridgewater Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Bridgewater Bancshares beats BCB Bancorp, Inc. (NJ) on 12 of the 14 factors compared between the two stocks.

About BCB Bancorp, Inc. (NJ)

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 Bridgewater Bancshares

Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, entrepreneurs, business clients, and individuals in the United States. The company provides savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It offers commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance working capital, capital investment, or for other business related purposes; paycheck protection program loans; construction and land development loans; 1-4 family mortgage loans; multifamily lending products; owner and non-owner occupied commercial real estate loans; and consumer and other loans. In addition, the company online, mobile, and direct banking services. Bridgewater Bancshares, Inc. was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.