1st Century Bancshares (NASDAQ: FCTY) and BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) are both financials companies, but which is the superior stock? We will contrast the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, risk, dividends, earnings and valuation.
This is a summary of current ratings and target prices for 1st Century Bancshares and BCB Bancorp, Inc. (NJ), as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|1st Century Bancshares||0||0||0||0||N/A|
|BCB Bancorp, Inc. (NJ)||0||0||2||0||3.00|
BCB Bancorp, Inc. (NJ) has a consensus price target of $14.50, indicating a potential upside of 0.69%. Given BCB Bancorp, Inc. (NJ)’s higher probable upside, analysts clearly believe BCB Bancorp, Inc. (NJ) is more favorable than 1st Century Bancshares.
This table compares 1st Century Bancshares and BCB Bancorp, Inc. (NJ)’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|1st Century Bancshares||3.91%||1.67%||0.15%|
|BCB Bancorp, Inc. (NJ)||12.89%||8.85%||0.59%|
Insider & Institutional Ownership
18.0% of BCB Bancorp, Inc. (NJ) shares are held by institutional investors. 16.8% of BCB Bancorp, Inc. (NJ) shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
BCB Bancorp, Inc. (NJ) pays an annual dividend of $0.56 per share and has a dividend yield of 3.9%. 1st Century Bancshares does not pay a dividend. BCB Bancorp, Inc. (NJ) pays out 65.1% of its earnings in the form of a dividend.
Earnings & Valuation
This table compares 1st Century Bancshares and BCB Bancorp, Inc. (NJ)’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|1st Century Bancshares||N/A||N/A||N/A||N/A||N/A|
|BCB Bancorp, Inc. (NJ)||$63.65 million||2.56||$9.72 million||$0.86||16.74|
BCB Bancorp, Inc. (NJ) has higher revenue and earnings than 1st Century Bancshares.
Risk and Volatility
1st Century Bancshares has a beta of 0.33, suggesting that its stock price is 67% less volatile than the S&P 500. Comparatively, BCB Bancorp, Inc. (NJ) has a beta of 0.46, suggesting that its stock price is 54% less volatile than the S&P 500.
BCB Bancorp, Inc. (NJ) beats 1st Century Bancshares on 10 of the 11 factors compared between the two stocks.
About 1st Century Bancshares
1st Century Bancshares, Inc. is the bank holding company for 1st Century Bank, National Association (the Bank). The Bank is a full service commercial bank. The Bank’s primary focus is relationship banking to family and middle market businesses, professional service firms, and high net worth individuals, real estate investors and entrepreneurs. It offers various loan products, including business and personal lines of credit and term loans; tenant improvement and equipment financing; bridge and specific purpose loans; commercial, industrial, multi-family residential real estate lending; personal home equity loans and lines of credit, and credit cards for business and personal use. Its deposit products include business checking, money market and certificates of deposit; personal checking, money market and certificates of deposits; attorney-client trust accounts, trust accounts, and cash management. Its loan and deposit activities are based in the Los Angeles metropolitan area.
About BCB Bancorp, Inc. (NJ)
BCB Bancorp, Inc. is the holding company parent of BCB Community Bank (the Bank). The Bank is a community-oriented financial institution. Its business is to offer Federal Deposit Insurance Corporation (FDIC)-insured deposit products and to invest funds held in deposit accounts at the Bank, together with funds generated from operations, in loans and investment securities. It offers loans, including commercial and multi-family real estate loans, one- to four-family mortgage loans, home equity loans, construction loans, consumer loans and commercial business loans; FDIC-insured deposit products, such as savings and club accounts, interest and non-interest bearing demand accounts, money market accounts, certificates of deposit and individual retirement accounts, and retail and commercial banking services, including wire transfers, money orders, safe deposit boxes, a night depository, debit cards, online banking, gift cards, fraud detection and automated teller services.
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