MainStreet Bank (NASDAQ:MNSB) versus BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) Head to Head Analysis

BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) and MainStreet Bank (NASDAQ:MNSB) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, profitability, earnings, analyst recommendations, institutional ownership, dividends and valuation.

Valuation and Earnings

This table compares BCB Bancorp, Inc. (NJ) and MainStreet Bank”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BCB Bancorp, Inc. (NJ)	$98.56 million	1.40	$18.62 million	$0.05	160.00
MainStreet Bank	$137.87 million	1.12	-$9.98 million	($0.90)	-22.26

BCB Bancorp, Inc. (NJ) has higher earnings, but lower revenue than MainStreet Bank. MainStreet Bank is trading at a lower price-to-earnings ratio than BCB Bancorp, Inc. (NJ), indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares BCB Bancorp, Inc. (NJ) and MainStreet Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BCB Bancorp, Inc. (NJ)	1.50%	0.95%	0.08%
MainStreet Bank	-3.32%	6.05%	0.52%

Dividends

BCB Bancorp, Inc. (NJ) pays an annual dividend of $0.64 per share and has a dividend yield of 8.0%. MainStreet Bank pays an annual dividend of $0.40 per share and has a dividend yield of 2.0%. BCB Bancorp, Inc. (NJ) pays out 1,280.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. MainStreet Bank pays out -44.4% of its earnings in the form of a dividend.

Analyst Recommendations

This is a summary of current recommendations and price targets for BCB Bancorp, Inc. (NJ) and MainStreet Bank, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BCB Bancorp, Inc. (NJ)	2	2	0	0	1.50
MainStreet Bank	1	1	0	0	1.50

BCB Bancorp, Inc. (NJ) presently has a consensus price target of $9.25, indicating a potential upside of 15.63%. Given BCB Bancorp, Inc. (NJ)’s higher probable upside, equities analysts clearly believe BCB Bancorp, Inc. (NJ) is more favorable than MainStreet Bank.

Insider & Institutional Ownership

36.0% of BCB Bancorp, Inc. (NJ) shares are owned by institutional investors. Comparatively, 52.3% of MainStreet Bank shares are owned by institutional investors. 15.9% of BCB Bancorp, Inc. (NJ) shares are owned by company insiders. Comparatively, 9.3% of MainStreet Bank shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Volatility and Risk

BCB Bancorp, Inc. (NJ) has a beta of 0.76, indicating that its share price is 24% less volatile than the S&P 500. Comparatively, MainStreet Bank has a beta of 0.62, indicating that its share price is 38% less volatile than the S&P 500.

Summary

BCB Bancorp, Inc. (NJ) beats MainStreet Bank on 9 of the 14 factors compared between the two stocks.

About BCB Bancorp, Inc. (NJ)

BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank that engages in the provision of banking products and services to businesses and individuals in the United States. The company offers insured deposit products, including savings and club accounts, interest and non-interest-bearing demand accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also provides various loan products, such as commercial and multi-family real estate loans, one-to-four family mortgage loans, commercial business loans, construction loans, home equity loans, and consumer loans. In addition, the company offers retail and commercial banking services comprising wire transfer, money order, safe deposit box, night depository, debit card, online and mobile banking, fraud detection, and automated teller services. The company was founded in 2000 and is based in Bayonne, New Jersey.

About MainStreet Bank

MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, bill pay, remote deposit capture, and courier services. It also provides commercial loans, include government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, the company offers deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. It operates in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as automated teller machines. The company was incorporated in 2003 and is headquartered in Fairfax, Virginia.