Contrasting of Bancorp Of New Jersey Inc. (BKJ) and Central Federal Corporation (NASDAQ:CFBK)

Bancorp Of New Jersey Inc. (NYSEAMERICAN:BKJ) and Central Federal Corporation (NASDAQ:CFBK) are two firms in the Savings & Loans that compete against each other. Below is a comparison of their institutional ownership, profitability, risk, analyst recommendations, dividends, earnings and valuation.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bancorp Of New Jersey Inc. 26.07M 4.02 5.48M 0.76 17.66
Central Federal Corporation 20.61M 2.69 4.33M 0.83 15.41

Table 1 shows top-line revenue, earnings per share (EPS) and valuation of the two companies. Central Federal Corporation seems to has lower revenue, but higher earnings compared to Bancorp Of New Jersey Inc. The business with the higher P/E out of the two companies is considered for more expensive of the two firms currently. Bancorp Of New Jersey Inc. is thus currently the expensive of the two stocks because it has a higher P/E ratio.

Profitability

Table 2 shows us Bancorp Of New Jersey Inc. and Central Federal Corporation’s return on assets, net margins and return on equity.

Net Margins Return on Equity Return on Assets
Bancorp Of New Jersey Inc. 21.02% 4.9% 0.5%
Central Federal Corporation 21.01% 4.9% 0.4%

Risk and Volatility

Bancorp Of New Jersey Inc.’s volatility measures that it’s 41.00% less volatile than Standard & Poor’s 500 due to its 0.59 beta. Competitively, Central Federal Corporation is 35.00% less volatile than Standard & Poor’s 500, because of the 0.65 beta.

Institutional and Insider Ownership

Roughly 10.7% of Bancorp Of New Jersey Inc. shares are held by institutional investors while 26.2% of Central Federal Corporation are owned by institutional investors. Insiders held roughly 3.4% of Bancorp Of New Jersey Inc.’s shares. Competitively, 16% are Central Federal Corporation’s share held by insiders.

Performance

In this table we show the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Bancorp Of New Jersey Inc. -2.52% 0% -9.36% -23.38% -21.35% 2.69%
Central Federal Corporation 0.24% 1.84% -6.93% -9.02% -5.31% 9.15%

For the past year Bancorp Of New Jersey Inc. has weaker performance than Central Federal Corporation

Summary

Bancorp Of New Jersey Inc. beats on 9 of the 11 factors Central Federal Corporation.

Bancorp of New Jersey, Inc. operates as a bank holding company of Bank of New Jersey that provides banking services to individuals, businesses, non-profit organizations, and governmental units. The company offers various deposit products, including interest and noninterest checking, passbook savings, and money market accounts; and savings, demand, and money market deposits, as well as time deposits, such as certificates of deposit and individual retirement accounts. It also provides commercial construction, line of credit, and commercial mortgage loans for providing working capital primarily for construction, financing the purchase of an income producing property, purchase of equipment or inventory, and other business purposes; commercial real estate loans comprising loans secured by commercial or residential real property, and loans for the construction of commercial or residential investment property; and commercial and consumer loans, and home equity loans. In addition, the company offers mail, telephone, Internet, and electronic banking services. As of February 10, 2017, it operated 9 branch offices located in Fort Lee, Hackensack, Haworth, Harrington Park, Englewood, Cliffside Park, and Woodcliff Lake. The company was founded in 2006 and is headquartered in Fort Lee, New Jersey.