S&T Bancorp (NASDAQ:STBA) & BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) Head to Head Contrast

S&T Bancorp (NASDAQ:STBA) and BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, institutional ownership, valuation, analyst recommendations, risk, earnings and profitability.

Valuation & Earnings

This table compares S&T Bancorp and BCB Bancorp, Inc. (NJ)”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
S&T Bancorp	$568.51 million	2.77	$134.23 million	$3.57	12.28
BCB Bancorp, Inc. (NJ)	$181.51 million	0.94	-$12.53 million	($0.07)	-140.14

S&T 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 S&T Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares S&T Bancorp and BCB Bancorp, Inc. (NJ)’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
S&T Bancorp	23.71%	9.35%	1.38%
BCB Bancorp, Inc. (NJ)	0.39%	0.24%	0.02%

Dividends

S&T Bancorp pays an annual dividend of $1.44 per share and has a dividend yield of 3.3%. BCB Bancorp, Inc. (NJ) pays an annual dividend of $0.32 per share and has a dividend yield of 3.3%. S&T Bancorp pays out 40.3% of its earnings in the form of a dividend. BCB Bancorp, Inc. (NJ) pays out -457.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. S&T Bancorp has increased its dividend for 13 consecutive years. S&T Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Recommendations

This is a summary of recent ratings for S&T Bancorp and BCB Bancorp, Inc. (NJ), as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
S&T Bancorp	0	5	2	0	2.29
BCB Bancorp, Inc. (NJ)	1	3	0	0	1.75

S&T Bancorp presently has a consensus target price of $44.40, suggesting a potential upside of 1.30%. BCB Bancorp, Inc. (NJ) has a consensus target price of $10.00, suggesting a potential upside of 1.94%. Given BCB Bancorp, Inc. (NJ)’s higher probable upside, analysts plainly believe BCB Bancorp, Inc. (NJ) is more favorable than S&T Bancorp.

Volatility and Risk

S&T Bancorp has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500. Comparatively, BCB Bancorp, Inc. (NJ) has a beta of 0.71, meaning that its stock price is 29% less volatile than the S&P 500.

Institutional & Insider Ownership

65.2% of S&T Bancorp shares are owned by institutional investors. Comparatively, 36.0% of BCB Bancorp, Inc. (NJ) shares are owned by institutional investors. 1.2% of S&T Bancorp shares are owned by insiders. Comparatively, 11.5% of BCB Bancorp, Inc. (NJ) shares are owned 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.

Summary

S&T Bancorp beats BCB Bancorp, Inc. (NJ) on 14 of the 17 factors compared between the two stocks.

About S&T Bancorp

S&T Bancorp, Inc. is a bank holding company, which engages in the provision of consumer, commercial, and small business banking services. It operates through the following segments: Commercial Real Estate, Commercial and Industrial, Commercial Construction, Business Banking, Consumer Real Estate, and Other Consumer. The Commercial Real Estate segment includes both owner-occupied properties and investment properties for various purposes such as hotels, retail, multifamily and health care. The Commercial and Industrial segment focuses on the companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory or equipment financing. The Commercial Construction segment refers to the finance construction of buildings or other structures, as well as to finance the acquisition and development of raw land for various purposes. The Business Banking segment is made to small businesses that are standard, non-complex products evaluated through a streamlined credit approval process that has been designed to maximize efficiency while maintaining high credit quality standards. The Consumer Real Estate segment offers first and second liens such as 1-4 family residential mortgages, home equity loans and home equity lines of credit. The Other Consumer segment consists of individuals that may be secured by assets other than 1-4 family residences, as well as unsecured loans. The company was founded on March 17, 1983 and is headquartered in Indiana, PA.

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.