Peapack-Gladstone Financial (NASDAQ:PGC – Get Free Report) and BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP – Get Free Report) 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, institutional ownership, valuation, profitability, dividends, earnings and analyst recommendations.
Institutional & Insider Ownership
72.8% of Peapack-Gladstone Financial shares are held by institutional investors. Comparatively, 36.0% of BCB Bancorp, Inc. (NJ) shares are held by institutional investors. 5.8% of Peapack-Gladstone Financial shares are held by insiders. Comparatively, 9.0% of BCB Bancorp, Inc. (NJ) shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Dividends
Peapack-Gladstone Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.4%. BCB Bancorp, Inc. (NJ) pays an annual dividend of $0.32 per share and has a dividend yield of 3.5%. Peapack-Gladstone Financial pays out 6.0% of its earnings in the form of a dividend. BCB Bancorp, Inc. (NJ) pays out -3.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. BCB Bancorp, Inc. (NJ) is clearly the better dividend stock, given its higher yield and lower payout ratio.
Analyst Ratings
This is a summary of current ratings and target prices for Peapack-Gladstone Financial and BCB Bancorp, Inc. (NJ), as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Peapack-Gladstone Financial | 0 | 2 | 3 | 0 | 2.60 |
| BCB Bancorp, Inc. (NJ) | 1 | 4 | 0 | 0 | 1.80 |
Peapack-Gladstone Financial currently has a consensus price target of $56.33, suggesting a potential upside of 21.99%. BCB Bancorp, Inc. (NJ) has a consensus price target of $8.95, suggesting a potential downside of 2.40%. Given Peapack-Gladstone Financial’s stronger consensus rating and higher possible upside, equities analysts plainly believe Peapack-Gladstone Financial is more favorable than BCB Bancorp, Inc. (NJ).
Profitability
This table compares Peapack-Gladstone Financial and BCB Bancorp, Inc. (NJ)’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Peapack-Gladstone Financial | 12.69% | 9.08% | 0.77% |
| BCB Bancorp, Inc. (NJ) | -90.51% | -58.88% | -4.87% |
Earnings and Valuation
This table compares Peapack-Gladstone Financial and BCB Bancorp, Inc. (NJ)”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Peapack-Gladstone Financial | $444.61 million | 1.84 | $37.33 million | $3.33 | 13.87 |
| BCB Bancorp, Inc. (NJ) | $101.75 million | 1.63 | -$12.53 million | ($8.24) | -1.11 |
Peapack-Gladstone Financial has higher revenue and earnings than BCB Bancorp, Inc. (NJ). BCB Bancorp, Inc. (NJ) is trading at a lower price-to-earnings ratio than Peapack-Gladstone Financial, indicating that it is currently the more affordable of the two stocks.
Volatility & Risk
Peapack-Gladstone Financial has a beta of 0.74, suggesting that its share price is 26% less volatile than the S&P 500. Comparatively, BCB Bancorp, Inc. (NJ) has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500.
Summary
Peapack-Gladstone Financial beats BCB Bancorp, Inc. (NJ) on 13 of the 16 factors compared between the two stocks.
About Peapack-Gladstone Financial
Peapack-Gladstone Financial Corporation is a bank holding company whose principal subsidiary, Peapack-Gladstone Bank, provides commercial banking and wealth management services. The bank serves individuals, families, businesses and nonprofit organizations, with a focus on personalized banking and financial advice. Its services include deposits, lending, cash management and other banking solutions, as well as investment management, trust and fiduciary services, financial planning and private banking through its Peapack Private business.
About BCB Bancorp, Inc. (NJ)
BCB Bancorp, Inc. is the bank holding company for BCB Community Bank, a full-service community bank headquartered in Bayonne, New Jersey. The bank provides deposit products, residential and commercial real estate lending, commercial and industrial loans, consumer loans, and other banking services to individuals, families, businesses, and nonprofit organizations. BCB Community Bank serves customers through a branch network and digital banking channels in communities across New Jersey and parts of New York.
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