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BCB Bancorp, Inc. (NJ) (BCBP) vs GBank Financial Holdings Inc. (GBFH)

BCB Bancorp, Inc. (NJ) and GBank Financial Holdings Inc. are both Banks Regional companies. BCB Bancorp, Inc. (NJ) and GBank Financial Holdings Inc. are of similar size ($257.6M and $255.6M). BCB Bancorp, Inc. (NJ) has negative trailing earnings, so its P/E is not meaningful; GBank Financial Holdings Inc. trades at 13.6×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against −9.35%. GBank Financial Holdings Inc. has the higher net margin (15.4% vs −11.1%) and the higher return on invested capital (23.9% vs −1.95%). Across the 15 metrics below, GBank Financial Holdings Inc. leads on 10 and BCB Bancorp, Inc. (NJ) on 5.

Valuation

Metric BCBP GBFH Banks Regional median
P/E n/m 13.64 11.98
P/S 0.81 2.13 2.34
P/B 0.53 1.47 1.19
Price to free cash flow 4.11 8.20 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (13.55%) 7.33% 8.23%
Free cash flow yield 24.35% 12.19% 9.08%

Profitability

Metric BCBP GBFH Banks Regional median
Gross margin 58.13% 68.90% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (11.05%) 15.44% 18.66%
Free cash flow margin 19.81% 25.93% 21.11%
Return on equity (6.85%) 11.39% 10.65%
Return on assets (0.59%) 1.39% 1.13%
Return on invested capital (1.95%) 23.93% 8.35%

Growth

Metric BCBP GBFH Banks Regional median
Revenue growth (TTM) (9.35%) 19.95% 6.98%
EPS growth (last fiscal year) (184.85%) 5.11% 18.88%
Revenue growth, 5-year CAGR 7.59% — 12.38%
Net income growth, 5-year CAGR 0.00% — 9.71%

Health

Metric BCBP GBFH Banks Regional median
Debt to equity 0.58 0.18 0.22
Current ratio 1.07 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCBP GBFH Banks Regional median
Dividend yield 3.94% — 2.57%
Payout ratio — — 0.30

Size

Metric BCBP GBFH Banks Regional median
Market cap 255.55m 257.59m 913.33m

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