Southern Banc (OTCMKTS:SRNN) and BCB Bancorp (NASDAQ:BCBP) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, earnings, risk, dividends, profitability and analyst recommendations.
BCB Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 4.4%. Southern Banc does not pay a dividend. BCB Bancorp pays out 55.4% of its earnings in the form of a dividend.
Insider & Institutional Ownership
29.4% of BCB Bancorp shares are owned by institutional investors. 22.0% of Southern Banc shares are owned by company insiders. Comparatively, 15.7% of BCB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
This is a summary of current ratings for Southern Banc and BCB Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
BCB Bancorp has a consensus target price of $14.50, suggesting a potential upside of 13.19%. Given BCB Bancorp’s higher possible upside, analysts clearly believe BCB Bancorp is more favorable than Southern Banc.
This table compares Southern Banc and BCB Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Volatility & Risk
Southern Banc has a beta of 0.26, meaning that its share price is 74% less volatile than the S&P 500. Comparatively, BCB Bancorp has a beta of 0.68, meaning that its share price is 32% less volatile than the S&P 500.
Valuation & Earnings
This table compares Southern Banc and BCB Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Southern Banc||$5.53 million||N/A||-$560,000.00||N/A||N/A|
|BCB Bancorp||$113.06 million||1.86||$16.76 million||$1.01||12.68|
BCB Bancorp has higher revenue and earnings than Southern Banc.
BCB Bancorp beats Southern Banc on 9 of the 11 factors compared between the two stocks.
Southern Banc Company Profile
The Southern Banc Company, Inc. operates as the holding company for The Southern Bank Company that provides various banking products and services in Alabama. Its personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. The company’s business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. It also offers commercial accounts, accounts receivable management, factoring services, and online banking and ATM services. The company operates through four full service banking offices located in Gadsden, Albertville, Guntersville, and Centre, as well as through one commercial finance office located in Birmingham. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.
BCB Bancorp Company Profile
BCB Bancorp, Inc. is a holding company of BCB Community Bank. Its primary business is the ownership and operation of the Bank. The company offers loans, including commercial and multi-family real estate loans, one to four-family mortgage loans, home equity loans, construction loans, consumer loans and commercial business loans. It also provides deposit products such as savings and club accounts, interest and non-interest bearing demand accounts, money market accounts, certificates of deposit, and individual retirement accounts. Its retail and commercial banking services includes wire transfers, money orders, traveler’s checks, safe deposit boxes, a night depository, bond coupon redemption and automated teller services. The company was founded on May 1, 2003 and is headquartered in Bayonne, NJ.
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