CB Financial Services (NASDAQ:CBFV – Get Free Report) and BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, valuation, analyst recommendations, risk, earnings, dividends and institutional ownership.
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for CB Financial Services and BCB Bancorp, Inc. (NJ), as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| CB Financial Services | 0 | 3 | 1 | 0 | 2.25 |
| BCB Bancorp, Inc. (NJ) | 1 | 3 | 0 | 0 | 1.75 |
CB Financial Services currently has a consensus target price of $35.50, suggesting a potential upside of 4.58%. BCB Bancorp, Inc. (NJ) has a consensus target price of $9.00, suggesting a potential upside of 5.44%. Given BCB Bancorp, Inc. (NJ)’s higher probable upside, analysts plainly believe BCB Bancorp, Inc. (NJ) is more favorable than CB Financial Services.
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| CB Financial Services | $80.52 million | 2.11 | $4.90 million | $0.91 | 37.30 |
| BCB Bancorp, Inc. (NJ) | $181.51 million | 0.81 | -$12.53 million | ($0.84) | -10.16 |
CB Financial Services has higher earnings, but lower revenue than BCB Bancorp, Inc. (NJ). BCB Bancorp, Inc. (NJ) is trading at a lower price-to-earnings ratio than CB Financial Services, indicating that it is currently the more affordable of the two stocks.
Dividends
CB Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 3.3%. BCB Bancorp, Inc. (NJ) pays an annual dividend of $0.32 per share and has a dividend yield of 3.7%. CB Financial Services pays out 123.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. BCB Bancorp, Inc. (NJ) pays out -38.1% of its earnings in the form of a dividend. BCB Bancorp, Inc. (NJ) is clearly the better dividend stock, given its higher yield and lower payout ratio.
Volatility & Risk
CB Financial Services has a beta of 0.29, indicating that its share price is 71% less volatile than the S&P 500. Comparatively, BCB Bancorp, Inc. (NJ) has a beta of 0.77, indicating that its share price is 23% less volatile than the S&P 500.
Profitability
This table compares CB Financial Services and BCB Bancorp, Inc. (NJ)’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| CB Financial Services | 6.09% | 9.61% | 0.95% |
| BCB Bancorp, Inc. (NJ) | -6.90% | -4.30% | -0.37% |
Insider and Institutional Ownership
33.1% of CB Financial Services shares are held by institutional investors. Comparatively, 36.0% of BCB Bancorp, Inc. (NJ) shares are held by institutional investors. 9.7% of CB Financial Services shares are held by company insiders. Comparatively, 15.9% of BCB Bancorp, Inc. (NJ) shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Summary
CB Financial Services beats BCB Bancorp, Inc. (NJ) on 9 of the 16 factors compared between the two stocks.
About CB Financial Services
CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.
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.
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