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

Dividends

BCB Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 4.3%. IF Bancorp pays an annual dividend of $0.25 per share and has a dividend yield of 1.1%. BCB Bancorp pays out 55.4% of its earnings in the form of a dividend. IF Bancorp has raised its dividend for 5 consecutive years.

Institutional & Insider Ownership

28.7% of BCB Bancorp shares are held by institutional investors. Comparatively, 28.3% of IF Bancorp shares are held by institutional investors. 15.7% of BCB Bancorp shares are held by insiders. Comparatively, 11.1% of IF Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares BCB Bancorp and IF 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 $113.06 million 1.89 $16.76 million $1.01 12.85
IF Bancorp $30.89 million 2.55 $3.56 million N/A N/A

BCB Bancorp has higher revenue and earnings than IF Bancorp.

Risk & Volatility

BCB Bancorp has a beta of 0.77, suggesting that its stock price is 23% less volatile than the S&P 500. Comparatively, IF Bancorp has a beta of 0.39, suggesting that its stock price is 61% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
BCB Bancorp 16.31% 11.06% 0.76%
IF Bancorp 11.52% 4.45% 0.54%

Analyst Ratings

This is a summary of recent ratings for BCB Bancorp and IF Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BCB Bancorp 0 1 0 0 2.00
IF Bancorp 0 0 0 0 N/A

BCB Bancorp presently has a consensus price target of $12.00, indicating a potential downside of 7.55%. Given BCB Bancorp’s higher possible upside, equities analysts clearly believe BCB Bancorp is more favorable than IF Bancorp.

Summary

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

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.

IF Bancorp Company Profile

IF Bancorp, Inc. operates as the savings and loan holding company for Iroquois Federal Savings and Loan Association that provides a range of banking and financial solutions to individual and corporate clients. The company offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and personal checking accounts, individual retirement accounts, and health savings accounts. It also provides loans comprising one- to four-family residential mortgage loans; multi-family mortgage loans; commercial real estate loans, such as farm loans; home equity lines of credit; commercial business loans; and consumer loans consisting of automobile loans, as well as construction loans and land development loans. In addition, the company sells property and casualty insurance, as well as offers annuities; mutual funds; individual and group retirement plans; life, disability, and health insurance; individual securities; managed accounts; and other financial services. Further, it offers ATM, online banking, mobile banking, ACH origination, remote deposit capture, and telephone banking services. The company operates through a network of six full-service banking offices located in the municipalities of Watseka, Danville, Clifton, Hoopeston, Savoy, and Bourbonnais, Illinois; and a loan production and wealth management office in Osage Beach, Missouri. IF Bancorp, Inc. was founded in 2011 and is based in Watseka, Illinois.

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