BCB Bancorp, Inc. (NJ) (BCBP) vs QNB Corp. (QNBC)

BCB Bancorp, Inc. (NJ) and QNB Corp. are both Banks Regional companies. BCB Bancorp, Inc. (NJ) and QNB Corp. are of similar size ($291.4M and $280.8M). QNB Corp. grew revenue faster over the last twelve months: −8.86% against −9.35%. QNB Corp. has the higher net margin (−5.63% vs −11.1%) and the higher return on invested capital (0.00% vs −1.95%). Both pay a dividend; BCB Bancorp, Inc. (NJ) yields more (3.50% vs 3.30%). Across the 18 metrics below, QNB Corp. leads on 11 and BCB Bancorp, Inc. (NJ) on 7.

Valuation

Metric BCBP QNBC Banks Regional median
P/E n/m n/m 12.02
P/S 0.91 2.91 2.36
P/B 0.59 1.15 1.23
Price to free cash flow 4.62 10.82 10.60
EV/EBITDA — n/m —
EV/Sales — 1.81 —
Earnings yield (12.05%) (0.53%) 8.21%
Free cash flow yield 21.66% 9.24% 9.23%

Profitability

Metric BCBP QNBC Banks Regional median
Gross margin 58.13% 51.09% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin (11.05%) (5.63%) 18.82%
Free cash flow margin 19.81% 26.92% 17.97%
Return on equity (6.85%) (2.88%) 10.28%
Return on assets (0.59%) (0.24%) 1.13%
Return on invested capital (1.95%) 0.00% 8.45%

Growth

Metric BCBP QNBC Banks Regional median
Revenue growth (TTM) (9.35%) (8.86%) 6.37%
EPS growth (last fiscal year) (184.85%) 21.15% 18.85%
Revenue growth, 5-year CAGR 7.59% 14.19% 12.65%
Net income growth, 5-year CAGR 0.00% 3.12% 9.81%

Health

Metric BCBP QNBC Banks Regional median
Debt to equity 0.58 0.00 0.17
Current ratio 1.07 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCBP QNBC Banks Regional median
Dividend yield 3.50% 3.30% 2.49%
Payout ratio — 0.46 0.29

Size

Metric BCBP QNBC Banks Regional median
Market cap 280.76m 291.40m 934.85m

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