BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP – Get Free Report) and Bay Commercial Bank (NASDAQ:BCML – Get Free Report) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, profitability, risk, earnings and dividends.
Profitability
This table compares BCB Bancorp, Inc. (NJ) and Bay Commercial Bank’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BCB Bancorp, Inc. (NJ) | -10.21% | -6.29% | -0.54% |
| Bay Commercial Bank | 9.20% | 6.98% | 0.90% |
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for BCB Bancorp, Inc. (NJ) and Bay Commercial Bank, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BCB Bancorp, Inc. (NJ) | 1 | 4 | 0 | 0 | 1.80 |
| Bay Commercial Bank | 1 | 2 | 1 | 0 | 2.00 |
Valuation & Earnings
This table compares BCB Bancorp, Inc. (NJ) and Bay Commercial Bank”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BCB Bancorp, Inc. (NJ) | $181.51 million | 0.87 | -$12.53 million | ($1.10) | -7.93 |
| Bay Commercial Bank | $141.48 million | 2.32 | $23.93 million | $1.20 | 25.08 |
Bay Commercial Bank has lower revenue, but higher earnings than BCB Bancorp, Inc. (NJ). BCB Bancorp, Inc. (NJ) is trading at a lower price-to-earnings ratio than Bay Commercial Bank, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
BCB Bancorp, Inc. (NJ) has a beta of 0.69, indicating that its share price is 31% less volatile than the S&P 500. Comparatively, Bay Commercial Bank has a beta of 0.28, indicating that its share price is 72% less volatile than the S&P 500.
Institutional & Insider Ownership
36.0% of BCB Bancorp, Inc. (NJ) shares are held by institutional investors. Comparatively, 66.2% of Bay Commercial Bank shares are held by institutional investors. 11.5% of BCB Bancorp, Inc. (NJ) shares are held by insiders. Comparatively, 2.9% of Bay Commercial Bank shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Summary
Bay Commercial Bank beats BCB Bancorp, Inc. (NJ) on 11 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 Bay Commercial Bank
BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company provides demand, savings, money market, and time deposit accounts. It offers commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial and industrial loans, such as equipment loans and working capital lines of credit; small business administration loans; construction and land loans; agriculture-related loans; and consumer loans comprising installment loans, unsecured and secured personal lines of credit, and overdraft protection. In addition, the company provides online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. It operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; Denver, Colorado; Custer, Delta, and Grand counties, Colorado; and Seattle, Washington and Central New Mexico. The company was formerly known as Bay Commercial Bank and changed its name to BayCom Corp in January 2017. BayCom Corp was incorporated in 2004 and is headquartered in Walnut Creek, California.
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