Head to Head Survey: FFBW (NASDAQ:FFBW) and BCB Bancorp (NASDAQ:BCBP)

FFBW (NASDAQ:FFBW) and BCB Bancorp (NASDAQ:BCBP) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their profitability, risk, institutional ownership, valuation, dividends, earnings and analyst recommendations.

Profitability

This table compares FFBW and BCB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FFBW 10.18% 1.97% 0.45%
BCB Bancorp 14.55% 10.65% 0.73%

Analyst Recommendations

This is a breakdown of current recommendations and price targets for FFBW and BCB Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FFBW 0 0 0 0 N/A
BCB Bancorp 0 2 0 0 2.00

BCB Bancorp has a consensus price target of $14.50, indicating a potential upside of 18.46%. Given BCB Bancorp’s higher probable upside, analysts plainly believe BCB Bancorp is more favorable than FFBW.

Earnings and Valuation

This table compares FFBW and BCB Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FFBW $11.31 million 5.99 $1.06 million N/A N/A
BCB Bancorp $113.06 million 1.78 $16.76 million $1.01 12.12

BCB Bancorp has higher revenue and earnings than FFBW.

Dividends

BCB Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 4.6%. FFBW does not pay a dividend. BCB Bancorp pays out 55.4% of its earnings in the form of a dividend.

Volatility & Risk

FFBW has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500. Comparatively, BCB Bancorp has a beta of 0.7, meaning that its stock price is 30% less volatile than the S&P 500.

Insider & Institutional Ownership

3.9% of FFBW shares are held by institutional investors. Comparatively, 28.2% of BCB Bancorp shares are held by institutional investors. 2.9% of FFBW shares are held by insiders. Comparatively, 15.7% of BCB Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

BCB Bancorp beats FFBW on 10 of the 13 factors compared between the two stocks.

FFBW Company Profile

FFBW, Inc. is the holding company of First Federal Bank of Wisconsin (the Bank). First Federal Bank of Wisconsin is a federally chartered mutual savings bank. The Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one-to four-family residential owner-occupied real estate loans, one-to four-family residential investor-owned real estate loans, multifamily loans and commercial real estate loans, and, to a lesser extent, commercial and industrial loans, commercial development loans and consumer loans. The Bank invests in various types of liquid assets, including the United States Treasury obligations, securities of various government-sponsored enterprises and municipal governments, deposits at the Federal Home Loan Bank of Chicago. At March 31, 2017, the Bank had total deposits of 180.5 million. At March 31, 2017, the Bank had net loans of 165,697 thousand.

BCB Bancorp Company Profile

BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank, a state-chartered commercial bank that provides banking products and services to businesses and individuals in the United States. The company offers deposit products, including interest and non-interest bearing demand, NOW, savings and club, money market, term certificate, interest bearing checking, and individual retirement accounts. It also provides loans, such as commercial and multi-family real estate loans, commercial and residential property construction loans, commercial business loans, small business administration loans, home equity loans and home equity lines of credit, and consumer loans; and residential loans secured by one-to-four family dwellings, condominiums, and cooperative units. In addition, the company offers retail and commercial banking services comprising wire transfers, money orders, safe deposit boxes, night depository services, debit cards, online and mobile banking services, gift cards, fraud detection services, and automated teller services. As of January 31, 2019, it operated 28 branch offices in Bayonne, Carteret, Colonia, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lodi, Lyndhurst, Maplewood, Monroe Township, Parsippany, Plainsboro, Rutherford, South Orange, Union, and Woodbridge, New Jersey; and 3 branches in Hicksville and Staten Island, New York. The company was founded in 2000 and is headquartered in Bayonne, New Jersey.

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