BCB Bancorp, Inc. (NJ) (BCBP) vs Peoples Bancorp of North Carolina, Inc. (PEBK)

BCB Bancorp, Inc. (NJ) and Peoples Bancorp of North Carolina, Inc. are both Banks Regional companies. BCB Bancorp, Inc. (NJ) and Peoples Bancorp of North Carolina, Inc. are of similar size ($254.6M and $237.6M). BCB Bancorp, Inc. (NJ) has negative trailing earnings, so its P/E is not meaningful; Peoples Bancorp of North Carolina, Inc. trades at 11.5×. Peoples Bancorp of North Carolina, Inc. grew revenue faster over the last twelve months: 5.26% against −9.35%. Peoples Bancorp of North Carolina, Inc. has the higher net margin (17.3% vs −11.1%) and the higher return on invested capital (14.0% vs −1.95%). Both pay a dividend; BCB Bancorp, Inc. (NJ) yields more (6.22% vs 2.94%). Across the 19 metrics below, Peoples Bancorp of North Carolina, Inc. leads on 11 and BCB Bancorp, Inc. (NJ) on 8.

Valuation

Metric BCBP PEBK Banks Regional median
P/E n/m 11.50 12.15
P/S 0.88 1.99 2.37
P/B 0.57 1.43 1.21
Price to free cash flow 4.42 11.47 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.71 1.60 2.27
Earnings yield (12.57%) 8.70% 8.11%
Free cash flow yield 22.60% 8.72% 8.98%

Profitability

Metric BCBP PEBK Banks Regional median
Gross margin 58.13% 79.44% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (11.05%) 17.25% 18.66%
Free cash flow margin 19.81% 17.33% 21.18%
Return on equity (6.85%) 13.07% 10.64%
Return on assets (0.59%) 1.15% 1.13%
Return on invested capital (1.95%) 13.98% 8.33%

Growth

Metric BCBP PEBK Banks Regional median
Revenue growth (TTM) (9.35%) 5.26% 6.61%
EPS growth (last fiscal year) (184.85%) 21.48% —
Revenue growth, 5-year CAGR 7.59% 10.09% 12.30%
Net income growth, 5-year CAGR 0.00% 11.79% 9.71%

Health

Metric BCBP PEBK Banks Regional median
Debt to equity 0.58 0.10 0.22
Current ratio 1.07 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCBP PEBK Banks Regional median
Dividend yield 6.22% 2.94% 3.75%
Payout ratio 0.27 0.24 0.27

Size

Metric BCBP PEBK Banks Regional median
Market cap 254.64m 237.63m 921.07m

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