Head to Head Survey: Trinity Bank, N.A. (OTCMKTS:TYBT) and BCB Bancorp (NASDAQ:BCBP)

Trinity Bank, N.A. (OTCMKTS:TYBT) and BCB Bancorp (NASDAQ:BCBP) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, valuation, dividends, profitability, analyst recommendations, institutional ownership and risk.

Volatility and Risk

Trinity Bank, N.A. has a beta of 0.03, indicating that its share price is 97% less volatile than the S&P 500. Comparatively, BCB Bancorp has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.

Dividends

Trinity Bank, N.A. pays an annual dividend of $1.76 per share and has a dividend yield of 1.9%. BCB Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 6.5%. Trinity Bank, N.A. pays out 24.6% of its earnings in the form of a dividend. BCB Bancorp pays out 41.0% 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.

Institutional & Insider Ownership

36.0% of BCB Bancorp shares are held by institutional investors. 15.9% of BCB Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings for Trinity Bank, N.A. and BCB Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Trinity Bank, N.A.	0	0	0	0	N/A
BCB Bancorp	0	2	1	0	2.33

BCB Bancorp has a consensus price target of $12.75, suggesting a potential upside of 29.84%. Given BCB Bancorp’s higher probable upside, analysts clearly believe BCB Bancorp is more favorable than Trinity Bank, N.A..

Earnings & Valuation

This table compares Trinity Bank, N.A. and BCB Bancorp’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Trinity Bank, N.A.	$24.78 million	4.12	$8.02 million	$7.14	13.17
BCB Bancorp	$192.45 million	0.86	$29.48 million	$1.56	6.29

BCB Bancorp has higher revenue and earnings than Trinity Bank, N.A.. BCB Bancorp is trading at a lower price-to-earnings ratio than Trinity Bank, N.A., indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Trinity Bank, N.A. and BCB Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Trinity Bank, N.A.	30.65%	N/A	N/A
BCB Bancorp	13.41%	9.78%	0.72%

Summary

BCB Bancorp beats Trinity Bank, N.A. on 10 of the 15 factors compared between the two stocks.

About Trinity Bank, N.A.

Trinity Bank, N.A. provides personal and business banking products and services in Texas. It provides personal and business deposits, such as checking and money market accounts; treasury tax and loan deposits; mobile deposits; certificates of deposit; and automobile, secured/unsecured, home improvement, lots and interim construction, installment/term, equipment, and real estate loans, as well as revolving lines of credit. The company also offers cash management, internet and mobile banking, remote capture, CD ROM delivery, foreign and domestic wire transfer, and bill pay services, as well as ATM or Visa check cards, merchant cards, and debit cards. Trinity Bank, N.A. was founded in 2003 and is based in Fort Worth, Texas.

About BCB Bancorp

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.