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

Valuation & Earnings

This table compares BCB Bancorp and Clifton Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
BCB Bancorp $85.05 million 2.76 $9.98 million $0.92 16.14
Clifton Bancorp $42.39 million 8.16 $4.72 million N/A N/A

BCB Bancorp has higher revenue and earnings than Clifton Bancorp.

Dividends

BCB Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 3.8%. Clifton Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.5%. BCB Bancorp pays out 60.9% of its earnings in the form of a dividend.

Insider and Institutional Ownership

33.0% of BCB Bancorp shares are held by institutional investors. Comparatively, 58.7% of Clifton Bancorp shares are held by institutional investors. 16.8% of BCB Bancorp shares are held by company insiders. Comparatively, 6.3% of Clifton Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Profitability

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

Net Margins Return on Equity Return on Assets
BCB Bancorp 12.13% 9.18% 0.73%
Clifton Bancorp 9.23% 2.44% 0.46%

Analyst Recommendations

This is a breakdown of recent ratings for BCB Bancorp and Clifton Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BCB Bancorp 0 1 1 0 2.50
Clifton Bancorp 0 0 0 0 N/A

BCB Bancorp presently has a consensus target price of $16.00, indicating a potential upside of 7.74%. Clifton Bancorp has a consensus target price of $0.00, indicating a potential downside of 100.00%. Given BCB Bancorp’s higher possible upside, research analysts plainly believe BCB Bancorp is more favorable than Clifton Bancorp.

Risk & Volatility

BCB Bancorp has a beta of 0.45, meaning that its share price is 55% less volatile than the S&P 500. Comparatively, Clifton Bancorp has a beta of 0.3, meaning that its share price is 70% less volatile than the S&P 500.

Summary

BCB Bancorp beats Clifton Bancorp on 10 of the 14 factors compared between the two stocks.

BCB Bancorp Company Profile

BCB Bancorp, Inc. operates as the 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 savings and club accounts, demand and NOW accounts, interest and non-interest bearing demand accounts, money market accounts, certificates of deposit, individual retirement accounts, and term certificate accounts. It also provides loans, such as commercial and multi-family real estate loans, one-to four-family mortgage loans, home equity loans and home equity lines of credit, construction loans, consumer loans, commercial business loans, and small business administration lending services. 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, gift cards, fraud detection services, and automated teller services. As of December 31, 2017, it operated through 22 branches in Bayonne, Carteret, Colonia, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lodi, Lyndhurst, Monroe Township, Rutherford, South Orange, Union, and Woodbridge, New Jersey; and 2 branches in Staten Island, New York. BCB Bancorp, Inc. was founded in 2000 and is based in Bayonne, New Jersey.

Clifton Bancorp Company Profile

Clifton Bancorp Inc, formerly Clifton Savings Bancorp, Inc., is a savings and loan holding company that operates through its subsidiary, Clifton Savings Bank (Clifton Savings). Clifton Savings is a federally chartered savings bank. Clifton Savings operate as a community-oriented financial institution offering traditional financial services to consumers and businesses in the market area. It attracts deposits from the general public and uses those funds to originate one- to four-family, multi-family and commercial real estate, and consumer loans, which it holds for investment. Clifton Savings has one wholly owned subsidiary, Botany Inc., an investment company. In addition to the main office located in Passaic County, Clifton Savings operates 11 branch offices in Bergen and Passaic Counties, which, along with Essex, Morris, Hudson and Union Counties are its primary market area.

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