BCB Bancorp, Inc. (NJ) (BCBP) vs Hawthorn Bancshares, Inc. (HWBK)

BCB Bancorp, Inc. (NJ) and Hawthorn Bancshares, Inc. are both Banks Regional companies. BCB Bancorp, Inc. (NJ) and Hawthorn Bancshares, Inc. are of similar size ($264.4M and $254.6M). BCB Bancorp, Inc. (NJ) has negative trailing earnings, so its P/E is not meaningful; Hawthorn Bancshares, Inc. trades at 10.0×. Hawthorn Bancshares, Inc. grew revenue faster over the last twelve months: 5.28% against −9.35%. Hawthorn Bancshares, Inc. has the higher net margin (22.0% vs −11.1%) and the higher return on invested capital (8.53% vs −1.95%). Both pay a dividend; BCB Bancorp, Inc. (NJ) yields more (6.22% vs 2.86%). Across the 19 metrics below, Hawthorn Bancshares, Inc. leads on 11 and BCB Bancorp, Inc. (NJ) on 8.

Valuation

Metric BCBP HWBK Banks Regional median
P/E n/m 9.96 12.15
P/S 0.88 2.28 2.37
P/B 0.57 1.44 1.21
Price to free cash flow 4.42 8.81 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.71 2.68 2.27
Earnings yield (12.57%) 10.04% 8.11%
Free cash flow yield 22.60% 11.35% 8.98%

Profitability

Metric BCBP HWBK Banks Regional median
Gross margin 58.13% 73.76% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (11.05%) 22.03% 18.66%
Free cash flow margin 19.81% 25.93% 21.18%
Return on equity (6.85%) 14.95% 10.64%
Return on assets (0.59%) 1.39% 1.13%
Return on invested capital (1.95%) 8.53% 8.33%

Growth

Metric BCBP HWBK Banks Regional median
Revenue growth (TTM) (9.35%) 5.28% 6.61%
EPS growth (last fiscal year) (184.85%) 31.42% —
Revenue growth, 5-year CAGR 7.59% 7.51% 12.30%
Net income growth, 5-year CAGR 0.00% 10.74% 9.71%

Health

Metric BCBP HWBK Banks Regional median
Debt to equity 0.58 0.43 0.22
Current ratio 1.07 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCBP HWBK Banks Regional median
Dividend yield 6.22% 2.86% 3.75%
Payout ratio 0.27 0.30 0.27

Size

Metric BCBP HWBK Banks Regional median
Market cap 254.64m 264.36m 921.07m

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