BCB Bancorp, Inc. (NJ) (BCBP) vs Oak Valley Bancorp (CA) (OVLY)

BCB Bancorp, Inc. (NJ) and Oak Valley Bancorp (CA) are both Banks Regional companies. BCB Bancorp, Inc. (NJ) and Oak Valley Bancorp (CA) are of similar size ($288.3M and $280.8M). BCB Bancorp, Inc. (NJ) has negative trailing earnings, so its P/E is not meaningful; Oak Valley Bancorp (CA) trades at 12.1×. Oak Valley Bancorp (CA) grew revenue faster over the last twelve months: 6.24% against −7.63%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs −91.1%) and the higher return on invested capital (84.1% vs 0.00%). Both pay a dividend; BCB Bancorp, Inc. (NJ) yields more (3.50% vs 2.18%). Across the 18 metrics below, Oak Valley Bancorp (CA) leads on 13 and BCB Bancorp, Inc. (NJ) on 5.

Valuation

Metric BCBP OVLY Banks Regional median
P/E n/m 12.13 11.87
P/S 1.03 2.92 2.35
P/B 0.79 1.31 1.23
Price to free cash flow 5.74 11.64 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (90.05%) 8.24% 8.34%
Free cash flow yield 17.42% 8.59% 9.37%

Profitability

Metric BCBP OVLY Banks Regional median
Gross margin 59.67% 85.97% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin (91.08%) 24.05% 18.99%
Free cash flow margin 17.89% 25.10% 18.19%
Return on equity (60.43%) 11.64% 10.45%
Return on assets (4.87%) 1.20% 1.15%
Return on invested capital 0.00% 84.12% 8.54%

Growth

Metric BCBP OVLY Banks Regional median
Revenue growth (TTM) (7.63%) 6.24% 6.56%
EPS growth (last fiscal year) (184.85%) (4.64%) 18.85%
Revenue growth, 5-year CAGR 7.59% 13.29% 12.65%
Net income growth, 5-year CAGR 0.00% 11.81% 9.81%

Health

Metric BCBP OVLY Banks Regional median
Debt to equity 0.58 0.00 0.14
Current ratio 0.00 0.78 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCBP OVLY Banks Regional median
Dividend yield 3.50% 2.18% 2.51%
Payout ratio — 0.27 0.30

Size

Metric BCBP OVLY Banks Regional median
Market cap 280.76m 288.30m 915.17m

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