BCB Bancorp, Inc. (NJ) (BCBP) vs Virginia National Bankshares Corporation (VABK)

BCB Bancorp, Inc. (NJ) and Virginia National Bankshares Corporation are both Banks Regional companies. BCB Bancorp, Inc. (NJ) and Virginia National Bankshares Corporation are of similar size ($255.4M and $254.6M). BCB Bancorp, Inc. (NJ) has negative trailing earnings, so its P/E is not meaningful; Virginia National Bankshares Corporation trades at 10.6×. Virginia National Bankshares Corporation grew revenue faster over the last twelve months: 5.24% against −9.35%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs −11.1%) and the higher return on invested capital (14.1% vs −1.95%). Both pay a dividend; BCB Bancorp, Inc. (NJ) yields more (6.22% vs 4.40%). Across the 19 metrics below, Virginia National Bankshares Corporation leads on 12 and BCB Bancorp, Inc. (NJ) on 7.

Valuation

Metric BCBP VABK Banks Regional median
P/E n/m 10.55 12.15
P/S 0.88 2.98 2.37
P/B 0.57 1.35 1.21
Price to free cash flow 4.42 11.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.71 2.33 2.27
Earnings yield (12.57%) 9.48% 8.11%
Free cash flow yield 22.60% 8.78% 8.98%

Profitability

Metric BCBP VABK Banks Regional median
Gross margin 58.13% 72.27% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (11.05%) 28.18% 18.66%
Free cash flow margin 19.81% 26.16% 21.18%
Return on equity (6.85%) 13.57% 10.64%
Return on assets (0.59%) 1.52% 1.13%
Return on invested capital (1.95%) 14.14% 8.33%

Growth

Metric BCBP VABK Banks Regional median
Revenue growth (TTM) (9.35%) 5.24% 6.61%
EPS growth (last fiscal year) (184.85%) 12.70% —
Revenue growth, 5-year CAGR 7.59% 19.78% 12.30%
Net income growth, 5-year CAGR 0.00% 19.28% 9.71%

Health

Metric BCBP VABK Banks Regional median
Debt to equity 0.58 0.10 0.22
Current ratio 1.07 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCBP VABK Banks Regional median
Dividend yield 6.22% 4.40% 3.75%
Payout ratio 0.27 0.28 0.27

Size

Metric BCBP VABK Banks Regional median
Market cap 254.64m 255.37m 921.07m

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