BCB Bancorp, Inc. (NJ) (BCBP) vs Eagle Financial Services Inc. (EFSI)

BCB Bancorp, Inc. (NJ) and Eagle Financial Services Inc. are both Banks Regional companies. BCB Bancorp, Inc. (NJ) and Eagle Financial Services Inc. are of similar size ($254.6M and $245.7M). BCB Bancorp, Inc. (NJ) has negative trailing earnings, so its P/E is not meaningful; Eagle Financial Services Inc. trades at 13.2×. Eagle Financial Services Inc. grew revenue faster over the last twelve months: 15.8% against −9.35%. Eagle Financial Services Inc. has the higher net margin (15.2% vs −11.1%) and the higher return on invested capital (18.6% vs −1.95%). Across the 18 metrics below, Eagle Financial Services Inc. leads on 10 and BCB Bancorp, Inc. (NJ) on 8.

Valuation

Metric BCBP EFSI Banks Regional median
P/E n/m 13.21 12.15
P/S 0.88 2.01 2.37
P/B 0.57 1.28 1.21
Price to free cash flow 4.42 17.35 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.71 1.08 2.27
Earnings yield (12.57%) 7.57% 8.11%
Free cash flow yield 22.60% 5.76% 8.98%

Profitability

Metric BCBP EFSI Banks Regional median
Gross margin 58.13% 73.61% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (11.05%) 15.16% 18.66%
Free cash flow margin 19.81% 11.60% 21.18%
Return on equity (6.85%) 9.98% 10.64%
Return on assets (0.59%) 0.96% 1.13%
Return on invested capital (1.95%) 18.55% 8.33%

Growth

Metric BCBP EFSI Banks Regional median
Revenue growth (TTM) (9.35%) 15.82% 6.61%
EPS growth (last fiscal year) (184.85%) (63.19%) —
Revenue growth, 5-year CAGR 7.59% 17.40% 12.30%
Net income growth, 5-year CAGR 0.00% (5.97%) 9.71%

Health

Metric BCBP EFSI Banks Regional median
Debt to equity 0.58 0.15 0.22
Current ratio 1.07 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCBP EFSI Banks Regional median
Dividend yield 6.22% — 3.75%
Payout ratio 0.27 — 0.27

Size

Metric BCBP EFSI Banks Regional median
Market cap 254.64m 245.69m 921.07m

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