CFSB Bancorp (NASDAQ:CFSB – Get Rating) and BCB Bancorp (NASDAQ:BCBP – Get Rating) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, earnings, dividends, risk, institutional ownership, profitability and valuation.
Profitability
This table compares CFSB Bancorp and BCB Bancorp's net margins, return on equity and return on assets.
Get CFSB Bancorp alerts:| Net Margins | Return on Equity | Return on Assets | |
| CFSB Bancorp | N/A | 0.21% | 0.04% |
| BCB Bancorp | 29.83% | 17.55% | 1.40% |
Analyst Recommendations
This is a breakdown of current ratings and price targets for CFSB Bancorp and BCB Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| CFSB Bancorp | 0 | 0 | 0 | 0 | N/A |
| BCB Bancorp | 0 | 2 | 0 | 0 | 2.00 |
BCB Bancorp has a consensus target price of $17.50, indicating a potential upside of 52.17%. Given BCB Bancorp's higher possible upside, analysts plainly believe BCB Bancorp is more favorable than CFSB Bancorp.
Institutional and Insider Ownership
1.8% of CFSB Bancorp shares are owned by institutional investors. Comparatively, 39.8% of BCB Bancorp shares are owned by institutional investors. 2.3% of CFSB Bancorp shares are owned by company insiders. Comparatively, 15.9% of BCB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Valuation & Earnings
This table compares CFSB Bancorp and BCB Bancorp's top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| CFSB Bancorp | $11.02 million | 4.20 | N/A | N/A | N/A |
| BCB Bancorp | $133.04 million | 1.46 | $45.58 million | $2.49 | 4.62 |
BCB Bancorp has higher revenue and earnings than CFSB Bancorp.
Volatility and Risk
CFSB Bancorp has a beta of 0.2, indicating that its stock price is 80% less volatile than the S&P 500. Comparatively, BCB Bancorp has a beta of 0.61, indicating that its stock price is 39% less volatile than the S&P 500.
Summary
BCB Bancorp beats CFSB Bancorp on 8 of the 9 factors compared between the two stocks.
About CFSB Bancorp
(Get Rating)
CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company also offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. Further, it offers online and mobile banking, and online bill pay services. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. operates as a subsidiary of 15 Beach, MHC.
About BCB Bancorp
(Get Rating)
BCB Bancorp, Inc. is a holding company, which engages in the provision of financial solutions. It offers loans, deposit products, and retail and commercial banking services. The company was founded on May 1, 2003 and is headquartered in Bayonne, NJ.
Receive News & Ratings for CFSB Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for CFSB Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.