BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP – Get Free Report) and NBT Bancorp (NASDAQ:NBTB – Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their risk, analyst recommendations, dividends, profitability, valuation, institutional ownership and earnings.
Profitability
This table compares BCB Bancorp, Inc. (NJ) and NBT Bancorp’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% |
| NBT Bancorp | 22.58% | 11.27% | 1.33% |
Valuation & Earnings
This table compares BCB Bancorp, Inc. (NJ) and NBT Bancorp”s top-line 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 | 0.86 | -$12.53 million | ($1.10) | -7.81 |
| NBT Bancorp | $906.48 million | 2.88 | $169.24 million | $4.09 | 12.26 |
NBT Bancorp has higher revenue and earnings than BCB Bancorp, Inc. (NJ). BCB Bancorp, Inc. (NJ) is trading at a lower price-to-earnings ratio than NBT Bancorp, indicating that it is currently the more affordable of the two stocks.
Analyst Recommendations
This is a summary of current ratings and target prices for BCB Bancorp, Inc. (NJ) and NBT Bancorp, 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 |
| NBT Bancorp | 0 | 5 | 3 | 0 | 2.38 |
BCB Bancorp, Inc. (NJ) currently has a consensus target price of $8.95, suggesting a potential upside of 4.15%. NBT Bancorp has a consensus target price of $54.10, suggesting a potential upside of 7.85%. Given NBT Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe NBT Bancorp is more favorable than BCB Bancorp, Inc. (NJ).
Insider & Institutional Ownership
36.0% of BCB Bancorp, Inc. (NJ) shares are owned by institutional investors. Comparatively, 58.5% of NBT Bancorp shares are owned by institutional investors. 11.5% of BCB Bancorp, Inc. (NJ) shares are owned by insiders. Comparatively, 3.0% of NBT Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Risk and Volatility
BCB Bancorp, Inc. (NJ) has a beta of 0.69, meaning that its share price is 31% less volatile than the S&P 500. Comparatively, NBT Bancorp has a beta of 0.47, meaning that its share price is 53% less volatile than the S&P 500.
Summary
NBT Bancorp beats BCB Bancorp, Inc. (NJ) on 12 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 NBT Bancorp
NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
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