NBT Bancorp (NASDAQ:NBTB – Get Free Report) and BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP – Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their profitability, institutional ownership, earnings, risk, valuation, analyst recommendations and dividends.
Institutional & Insider Ownership
58.5% of NBT Bancorp shares are owned by institutional investors. Comparatively, 36.0% of BCB Bancorp, Inc. (NJ) shares are owned by institutional investors. 3.0% of NBT Bancorp shares are owned by company insiders. Comparatively, 11.5% of BCB Bancorp, Inc. (NJ) shares are owned by company 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.
Analyst Ratings
This is a summary of current ratings and recommmendations for NBT Bancorp and BCB Bancorp, Inc. (NJ), as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NBT Bancorp | 0 | 5 | 3 | 0 | 2.38 |
| BCB Bancorp, Inc. (NJ) | 1 | 4 | 0 | 0 | 1.80 |
Earnings & Valuation
This table compares NBT Bancorp and BCB Bancorp, Inc. (NJ)”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NBT Bancorp | $906.48 million | 2.93 | $169.24 million | $4.09 | 12.50 |
| BCB Bancorp, Inc. (NJ) | $181.51 million | 0.87 | -$12.53 million | ($1.10) | -7.95 |
NBT 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 NBT Bancorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares NBT Bancorp and BCB Bancorp, Inc. (NJ)’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NBT Bancorp | 22.58% | 11.27% | 1.33% |
| BCB Bancorp, Inc. (NJ) | -10.21% | -6.29% | -0.54% |
Volatility & Risk
NBT Bancorp has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500. Comparatively, BCB Bancorp, Inc. (NJ) has a beta of 0.69, meaning that its stock price is 31% less volatile than the S&P 500.
Summary
NBT Bancorp beats BCB Bancorp, Inc. (NJ) on 12 of the 14 factors compared between the two stocks.
About NBT Bancorp
NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
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.
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