BCB Bancorp, Inc. (NJ) (BCBP) vs LCNB Corporation (LCNB)

BCB Bancorp, Inc. (NJ) and LCNB Corporation are both Banks Regional companies. BCB Bancorp, Inc. (NJ) and LCNB Corporation are of similar size ($262.4M and $254.6M). BCB Bancorp, Inc. (NJ) has negative trailing earnings, so its P/E is not meaningful; LCNB Corporation trades at 10.9×. LCNB Corporation grew revenue faster over the last twelve months: −2.20% against −9.35%. LCNB Corporation has the higher net margin (19.7% vs −11.1%) and the higher return on invested capital (5.26% vs −1.95%). Both pay a dividend; LCNB Corporation yields more (6.35% vs 6.22%). Across the 19 metrics below, LCNB Corporation leads on 13 and BCB Bancorp, Inc. (NJ) on 6.

Valuation

Metric BCBP LCNB Banks Regional median
P/E n/m 10.88 12.15
P/S 0.88 2.14 2.37
P/B 0.57 0.95 1.21
Price to free cash flow 4.42 7.34 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.71 2.75 2.27
Earnings yield (12.57%) 9.19% 8.11%
Free cash flow yield 22.60% 13.63% 8.98%

Profitability

Metric BCBP LCNB Banks Regional median
Gross margin 58.13% 77.34% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (11.05%) 19.67% 18.66%
Free cash flow margin 19.81% 29.16% 21.18%
Return on equity (6.85%) 9.01% 10.64%
Return on assets (0.59%) 1.08% 1.13%
Return on invested capital (1.95%) 5.26% 8.33%

Growth

Metric BCBP LCNB Banks Regional median
Revenue growth (TTM) (9.35%) (2.20%) 6.61%
EPS growth (last fiscal year) (184.85%) 68.04% —
Revenue growth, 5-year CAGR 7.59% 9.38% 12.30%
Net income growth, 5-year CAGR 0.00% 2.91% 9.71%

Health

Metric BCBP LCNB Banks Regional median
Debt to equity 0.58 0.37 0.22
Current ratio 1.07 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCBP LCNB Banks Regional median
Dividend yield 6.22% 6.35% 3.75%
Payout ratio 0.27 0.45 0.27

Size

Metric BCBP LCNB Banks Regional median
Market cap 254.64m 262.43m 921.07m

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