BCB Bancorp, Inc. (NJ) (BCBP) vs FB Bancorp, Inc. (FBLA)

BCB Bancorp, Inc. (NJ) and FB Bancorp, Inc. are both Banks Regional companies. BCB Bancorp, Inc. (NJ) and FB Bancorp, Inc. are of similar size ($259.3M and $254.6M). FB Bancorp, Inc. grew revenue faster over the last twelve months: 26.6% against −9.35%. FB Bancorp, Inc. has the higher net margin (−0.39% vs −11.1%) and the higher return on invested capital (0.53% vs −1.95%). Across the 16 metrics below, FB Bancorp, Inc. leads on 10 and BCB Bancorp, Inc. (NJ) on 6.

Valuation

Metric BCBP FBLA Banks Regional median
P/E n/m n/m 12.15
P/S 0.88 3.39 2.37
P/B 0.57 0.86 1.21
Price to free cash flow 4.42 6.35 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.71 4.30 2.27
Earnings yield (12.57%) (0.06%) 8.11%
Free cash flow yield 22.60% 15.75% 8.98%

Profitability

Metric BCBP FBLA Banks Regional median
Gross margin 58.13% 74.02% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (11.05%) (0.39%) 18.66%
Free cash flow margin 19.81% 33.10% 21.18%
Return on equity (6.85%) (0.09%) 10.64%
Return on assets (0.59%) (0.02%) 1.13%
Return on invested capital (1.95%) 0.53% 8.33%

Growth

Metric BCBP FBLA Banks Regional median
Revenue growth (TTM) (9.35%) 26.60% 6.61%
EPS growth (last fiscal year) (184.85%) 104.02% —
Revenue growth, 5-year CAGR 7.59% — 12.30%
Net income growth, 5-year CAGR 0.00% — 9.71%

Health

Metric BCBP FBLA Banks Regional median
Debt to equity 0.58 0.39 0.22
Current ratio 1.07 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric BCBP FBLA Banks Regional median
Market cap 254.64m 259.32m 921.07m

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