Reviewing BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) and Landmark Bancorp (NASDAQ:LARK)

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

Dividends

Landmark Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 2.6%. BCB Bancorp, Inc. (NJ) pays an annual dividend of $0.32 per share and has a dividend yield of 3.7%. Landmark Bancorp pays out 25.5% of its earnings in the form of a dividend. BCB Bancorp, Inc. (NJ) pays out -29.1% 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. Landmark Bancorp has increased its dividend for 6 consecutive years. BCB Bancorp, Inc. (NJ) is clearly the better dividend stock, given its higher yield and lower payout ratio.

Insider & Institutional Ownership

25.7% of Landmark Bancorp shares are held by institutional investors. Comparatively, 36.0% of BCB Bancorp, Inc. (NJ) shares are held by institutional investors. 9.8% of Landmark Bancorp shares are held by insiders. Comparatively, 11.5% of BCB Bancorp, Inc. (NJ) shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Risk & Volatility

Landmark Bancorp has a beta of 0.39, indicating that its stock price is 61% less volatile than the S&P 500. Comparatively, BCB Bancorp, Inc. (NJ) has a beta of 0.71, indicating that its stock price is 29% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings for Landmark Bancorp and BCB Bancorp, Inc. (NJ), as reported by MarketBeat.

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

BCB Bancorp, Inc. (NJ) has a consensus price target of $10.00, suggesting a potential upside of 16.96%. Given BCB Bancorp, Inc. (NJ)’s higher possible upside, analysts clearly believe BCB Bancorp, Inc. (NJ) is more favorable than Landmark Bancorp.

Profitability

This table compares Landmark Bancorp and BCB Bancorp, Inc. (NJ)’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Landmark Bancorp	20.56%	12.49%	1.25%
BCB Bancorp, Inc. (NJ)	-10.21%	-6.29%	-0.54%

Earnings & Valuation

This table compares Landmark 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
Landmark Bancorp	$95.97 million	2.02	$18.77 million	$3.29	9.66
BCB Bancorp, Inc. (NJ)	$181.51 million	0.85	-$12.53 million	($1.10)	-7.77

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

Summary

Landmark Bancorp beats BCB Bancorp, Inc. (NJ) on 10 of the 17 factors compared between the two stocks.

About Landmark Bancorp

Landmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as certificates of deposit. The company also provides one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, such as automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking services. In addition, the company invests in certain investment and mortgage-related securities. It operates in the eastern, central, southeast, and southwest Kansas. The company was founded in 1885 and is headquartered in Manhattan, Kansas.

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.