Head to Head Analysis: CB Financial Services (NASDAQ:CBFV) versus BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP)

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

Dividends

BCB Bancorp, Inc. (NJ) pays an annual dividend of $0.32 per share and has a dividend yield of 3.9%. CB Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 3.1%. BCB Bancorp, Inc. (NJ) pays out -38.1% of its earnings in the form of a dividend. CB Financial Services pays out 123.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. BCB Bancorp, Inc. (NJ) is clearly the better dividend stock, given its higher yield and lower payout ratio.

Volatility and Risk

BCB Bancorp, Inc. (NJ) has a beta of 0.77, indicating that its share price is 23% less volatile than the S&P 500. Comparatively, CB Financial Services has a beta of 0.29, indicating that its share price is 71% less volatile than the S&P 500.

Earnings and Valuation

This table compares BCB Bancorp, Inc. (NJ) and CB Financial Services”s gross 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	0.78	-$12.53 million	($0.84)	-9.83
CB Financial Services	$80.52 million	2.22	$4.90 million	$0.91	39.26

CB Financial Services has lower revenue, but higher earnings than BCB Bancorp, Inc. (NJ). BCB Bancorp, Inc. (NJ) is trading at a lower price-to-earnings ratio than CB Financial Services, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of current ratings and price targets for BCB Bancorp, Inc. (NJ) and CB Financial Services, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BCB Bancorp, Inc. (NJ)	1	3	0	0	1.75
CB Financial Services	0	2	2	0	2.50

BCB Bancorp, Inc. (NJ) currently has a consensus target price of $9.00, indicating a potential upside of 8.96%. CB Financial Services has a consensus target price of $41.00, indicating a potential upside of 14.75%. Given CB Financial Services’ stronger consensus rating and higher probable upside, analysts plainly believe CB Financial Services is more favorable than BCB Bancorp, Inc. (NJ).

Profitability

This table compares BCB Bancorp, Inc. (NJ) and CB Financial Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BCB Bancorp, Inc. (NJ)	-6.90%	-4.30%	-0.37%
CB Financial Services	6.09%	9.61%	0.95%

Insider & Institutional Ownership

36.0% of BCB Bancorp, Inc. (NJ) shares are held by institutional investors. Comparatively, 33.1% of CB Financial Services shares are held by institutional investors. 15.9% of BCB Bancorp, Inc. (NJ) shares are held by insiders. Comparatively, 9.7% of CB Financial Services 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.

Summary

CB Financial Services beats BCB Bancorp, Inc. (NJ) on 10 of the 16 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 CB Financial Services

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.