BCB Bancorp, Inc. (NJ) (BCBP) vs National Bankshares, Inc. (NKSH)

BCB Bancorp, Inc. (NJ) and National Bankshares, Inc. are both Banks Regional companies. BCB Bancorp, Inc. (NJ) and National Bankshares, Inc. are of similar size ($269.0M and $254.6M). BCB Bancorp, Inc. (NJ) has negative trailing earnings, so its P/E is not meaningful; National Bankshares, Inc. trades at 13.3×. National Bankshares, Inc. grew revenue faster over the last twelve months: 5.28% against −9.35%. National Bankshares, Inc. has the higher net margin (23.2% vs −11.1%) and the higher return on invested capital (11.2% vs −1.95%). Both pay a dividend; National Bankshares, Inc. yields more (8.58% vs 6.22%). Across the 19 metrics below, National Bankshares, Inc. leads on 12 and BCB Bancorp, Inc. (NJ) on 7.

Valuation

Metric BCBP NKSH Banks Regional median
P/E n/m 13.28 12.15
P/S 0.88 3.08 2.37
P/B 0.57 1.40 1.21
Price to free cash flow 4.42 14.63 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.71 2.46 2.27
Earnings yield (12.57%) 7.53% 8.11%
Free cash flow yield 22.60% 6.83% 8.98%

Profitability

Metric BCBP NKSH Banks Regional median
Gross margin 58.13% 69.15% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (11.05%) 23.22% 18.66%
Free cash flow margin 19.81% 21.07% 21.18%
Return on equity (6.85%) 11.25% 10.64%
Return on assets (0.59%) 1.12% 1.13%
Return on invested capital (1.95%) 11.23% 8.33%

Growth

Metric BCBP NKSH Banks Regional median
Revenue growth (TTM) (9.35%) 5.28% 6.61%
EPS growth (last fiscal year) (184.85%) 100.81% —
Revenue growth, 5-year CAGR 7.59% 10.43% 12.30%
Net income growth, 5-year CAGR 0.00% (0.31%) 9.71%

Health

Metric BCBP NKSH Banks Regional median
Debt to equity 0.58 0.00 0.22
Current ratio 1.07 0.65 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCBP NKSH Banks Regional median
Dividend yield 6.22% 8.58% 3.75%
Payout ratio 0.27 0.38 0.27

Size

Metric BCBP NKSH Banks Regional median
Market cap 254.64m 268.97m 921.07m

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