Contrasting BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) & Blue Foundry Bancorp (NASDAQ:BLFY)

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

Valuation and Earnings

This table compares BCB Bancorp, Inc. (NJ) and Blue Foundry Bancorp”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	1.36	$18.62 million	$0.05	155.20
Blue Foundry Bancorp	$87.25 million	2.02	-$11.91 million	($0.46)	-17.85

BCB Bancorp, Inc. (NJ) has higher revenue and earnings than Blue Foundry Bancorp. Blue Foundry Bancorp 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.

Volatility and Risk

BCB Bancorp, Inc. (NJ) has a beta of 0.82, indicating that its share price is 18% less volatile than the S&P 500. Comparatively, Blue Foundry Bancorp has a beta of 0.59, indicating that its share price is 41% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations for BCB Bancorp, Inc. (NJ) and Blue Foundry Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BCB Bancorp, Inc. (NJ)	1	3	0	0	1.75
Blue Foundry Bancorp	1	1	0	0	1.50

BCB Bancorp, Inc. (NJ) currently has a consensus target price of $9.25, indicating a potential upside of 19.20%. Blue Foundry Bancorp has a consensus target price of $10.00, indicating a potential upside of 21.80%. Given Blue Foundry Bancorp’s higher possible upside, analysts plainly believe Blue Foundry Bancorp is more favorable than BCB Bancorp, Inc. (NJ).

Institutional & Insider Ownership

36.0% of BCB Bancorp, Inc. (NJ) shares are held by institutional investors. Comparatively, 56.5% of Blue Foundry Bancorp shares are held by institutional investors. 15.9% of BCB Bancorp, Inc. (NJ) shares are held by insiders. Comparatively, 5.3% of Blue Foundry Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Profitability

This table compares BCB Bancorp, Inc. (NJ) and Blue Foundry Bancorp’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%
Blue Foundry Bancorp	-9.82%	-2.82%	-0.44%

Summary

BCB Bancorp, Inc. (NJ) beats Blue Foundry Bancorp on 10 of the 13 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 Blue Foundry Bancorp

Blue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses in the United States. The company offers saving, time, and non-interest bearing deposits; demand accounts; and loans, such as one-to-four family residential property, multi-family, residential real estate, non-residential real estate, consumer, construction, and commercial and industrial loans, as well as junior liens and home equity lines of credit. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.