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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 2.49
BKJ's Cash to Debt is ranked lower than
52% of the 1134 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.18 vs. BKJ: 2.49 )
Ranked among companies with meaningful Cash to Debt only.
BKJ' s Cash to Debt Range Over the Past 10 Years
Min: 0.69  Med: 10000.00 Max: No Debt
Current: 2.49
Equity to Asset 0.09
BKJ's Equity to Asset is ranked lower than
65% of the 1602 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. BKJ: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
BKJ' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.12 Max: 0.41
Current: 0.09
0.08
0.41
Interest Coverage 0.96
BKJ's Interest Coverage is ranked lower than
63% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. BKJ: 0.96 )
Ranked among companies with meaningful Interest Coverage only.
BKJ' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 0.89 Max: 1.26
Current: 0.96
0.13
1.26
F-Score: 4
M-Score: -2.47
WACC vs ROIC
8.13%
18.00%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 31.60
BKJ's Operating margin (%) is ranked higher than
52% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.11 vs. BKJ: 31.60 )
Ranked among companies with meaningful Operating margin (%) only.
BKJ' s Operating margin (%) Range Over the Past 10 Years
Min: -12.93  Med: 27.71 Max: 40.41
Current: 31.6
-12.93
40.41
Net-margin (%) 20.58
BKJ's Net-margin (%) is ranked lower than
57% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.40 vs. BKJ: 20.58 )
Ranked among companies with meaningful Net-margin (%) only.
BKJ' s Net-margin (%) Range Over the Past 10 Years
Min: -18.23  Med: 17.11 Max: 24.4
Current: 20.58
-18.23
24.4
ROE (%) 6.88
BKJ's ROE (%) is ranked lower than
60% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.20 vs. BKJ: 6.88 )
Ranked among companies with meaningful ROE (%) only.
BKJ' s ROE (%) Range Over the Past 10 Years
Min: -1.31  Med: 5.42 Max: 8.49
Current: 6.88
-1.31
8.49
ROA (%) 0.62
BKJ's ROA (%) is ranked lower than
66% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. BKJ: 0.62 )
Ranked among companies with meaningful ROA (%) only.
BKJ' s ROA (%) Range Over the Past 10 Years
Min: -0.53  Med: 0.59 Max: 0.81
Current: 0.62
-0.53
0.81
Revenue Growth (3Y)(%) 4.50
BKJ's Revenue Growth (3Y)(%) is ranked higher than
61% of the 1336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. BKJ: 4.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BKJ' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 4.5  Med: 21.40 Max: 42.5
Current: 4.5
4.5
42.5
EBITDA Growth (3Y)(%) -3.00
BKJ's EBITDA Growth (3Y)(%) is ranked lower than
74% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. BKJ: -3.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BKJ' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -3  Med: 33.60 Max: 65.2
Current: -3
-3
65.2
EPS Growth (3Y)(%) -0.80
BKJ's EPS Growth (3Y)(%) is ranked lower than
72% of the 1211 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. BKJ: -0.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BKJ' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.8  Med: 31.30 Max: 85.7
Current: -0.8
-0.8
85.7
» BKJ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:PBSK, NAS:KFFB, NAS:PBBI, OTCPK:SFDL, NAS:IROQ, OTCPK:GRRB, OTCBB:NIDB, NAS:UCBA, NAS:MSBF, NAS:HMNF, NAS:ANCB, NAS:HFBC, NAS:LSBK, OTCBB:NWIN, NAS:FCLF, OTCPK:VLLX, NAS:PBHC, NAS:BYFC, NAS:JXSB, NAS:FSBK » details
Bancorp of New Jersey Inc is a bank holding company for Bank of New Jersey. It provides traditional commercial banking, accepting deposits from the general public, individuals, businesses, non-profit organizations & governmental units.

Bancorp of New Jersey Inc is a one-bank holding company incorporated under the laws of the State of New Jersey in November 2006 to serve as a holding company for Bank of New Jersey or the Bank. The Company's main business is ownership and supervision of the Bank. The Company, through the Bank, conducts a traditional commercial banking business, accepting deposits from the general public, including individuals, businesses, non-profit organizations, and governmental units. The Bank makes commercial loans, consumer loans, and both residential and commercial real estate loans. In addition, the Bank provides other customer services and makes investments in securities, as permitted by law. The Bank continues to offer an alternative, community-oriented style of banking in an area, which is presently dominated by larger, statewide and national institutions. The Bank strives to deliver these products and services with the care and professionalism expected of a community bank and with a special dedication to personalized customer service. The banking business remains competitive and increasingly more regulated. The Bank competes with local, regional, and national commercial banks, savings banks, and savings and loan associations. The Bank also competes with money market mutual funds, mortgage bankers, insurance companies, stock brokerage firms, regulated small loan companies, credit unions, and issuers of commercial paper and other securities. The Company is also subject to comprehensive examination and supervision by the FRB and the Bank is also subject to comprehensive examination and supervision by NJDOBI and the FDIC.

Ratios

vs
industry
vs
history
P/E(ttm) 13.79
BKJ's P/E(ttm) is ranked lower than
56% of the 1682 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.67 vs. BKJ: 13.79 )
Ranked among companies with meaningful P/E(ttm) only.
BKJ' s P/E(ttm) Range Over the Past 10 Years
Min: 12.65  Med: 16.23 Max: 129.5
Current: 13.79
12.65
129.5
PE(NRI) 13.79
BKJ's PE(NRI) is ranked lower than
54% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.86 vs. BKJ: 13.79 )
Ranked among companies with meaningful PE(NRI) only.
BKJ' s PE(NRI) Range Over the Past 10 Years
Min: 12.65  Med: 16.23 Max: 129.5
Current: 13.79
12.65
129.5
Price/Owner Earnings (ttm) 14.02
BKJ's Price/Owner Earnings (ttm) is ranked lower than
57% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.62 vs. BKJ: 14.02 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BKJ' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 11.04  Med: 15.61 Max: 23.33
Current: 14.02
11.04
23.33
P/B 0.94
BKJ's P/B is ranked higher than
58% of the 1759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. BKJ: 0.94 )
Ranked among companies with meaningful P/B only.
BKJ' s P/B Range Over the Past 10 Years
Min: 0.86  Med: 1.04 Max: 1.76
Current: 0.94
0.86
1.76
P/S 2.87
BKJ's P/S is ranked higher than
52% of the 1761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. BKJ: 2.87 )
Ranked among companies with meaningful P/S only.
BKJ' s P/S Range Over the Past 10 Years
Min: 2.6  Med: 3.72 Max: 12.04
Current: 2.87
2.6
12.04
PFCF 13.82
BKJ's PFCF is ranked lower than
66% of the 918 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.16 vs. BKJ: 13.82 )
Ranked among companies with meaningful PFCF only.
BKJ' s PFCF Range Over the Past 10 Years
Min: 6.83  Med: 12.17 Max: 131.58
Current: 13.82
6.83
131.58
POCF 10.11
BKJ's POCF is ranked lower than
59% of the 1025 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.89 vs. BKJ: 10.11 )
Ranked among companies with meaningful POCF only.
BKJ' s POCF Range Over the Past 10 Years
Min: 6.49  Med: 10.97 Max: 909.09
Current: 10.11
6.49
909.09
EV-to-EBIT 4.26
BKJ's EV-to-EBIT is ranked higher than
92% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. BKJ: 4.26 )
Ranked among companies with meaningful EV-to-EBIT only.
BKJ' s EV-to-EBIT Range Over the Past 10 Years
Min: -1  Med: 7.00 Max: 110
Current: 4.26
-1
110
EV-to-EBITDA 3.92
BKJ's EV-to-EBITDA is ranked higher than
91% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.75 vs. BKJ: 3.92 )
Ranked among companies with meaningful EV-to-EBITDA only.
BKJ' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.9  Med: 6.40 Max: 79.7
Current: 3.92
-0.9
79.7
PEG 1.66
BKJ's PEG is ranked lower than
63% of the 731 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. BKJ: 1.66 )
Ranked among companies with meaningful PEG only.
BKJ' s PEG Range Over the Past 10 Years
Min: 0.21  Med: 0.45 Max: 3.16
Current: 1.66
0.21
3.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.15
BKJ's Dividend Yield is ranked lower than
67% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. BKJ: 2.15 )
Ranked among companies with meaningful Dividend Yield only.
BKJ' s Dividend Yield Range Over the Past 10 Years
Min: 0.61  Med: 1.88 Max: 2.34
Current: 2.15
0.61
2.34
Dividend Payout 0.30
BKJ's Dividend Payout is ranked higher than
55% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. BKJ: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
BKJ' s Dividend Payout Range Over the Past 10 Years
Min: 0.26  Med: 0.29 Max: 0.55
Current: 0.3
0.26
0.55
Forward Dividend Yield 2.15
BKJ's Forward Dividend Yield is ranked lower than
72% of the 2109 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. BKJ: 2.15 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.15
BKJ's Yield on cost (5-Year) is ranked lower than
71% of the 2505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.58 vs. BKJ: 2.15 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BKJ' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.61  Med: 1.88 Max: 2.34
Current: 2.15
0.61
2.34
3-Year Average Share Buyback Ratio -6.20
BKJ's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. BKJ: -6.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BKJ' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.2  Med: -1.00 Max: 0
Current: -6.2
-6.2
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.94
BKJ's Price/Tangible Book is ranked higher than
62% of the 1747 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. BKJ: 0.94 )
Ranked among companies with meaningful Price/Tangible Book only.
BKJ' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.92  Med: 1.06 Max: 1.68
Current: 0.94
0.92
1.68
Price/Projected FCF 0.55
BKJ's Price/Projected FCF is ranked higher than
63% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. BKJ: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
BKJ' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.77 Max: 1.04
Current: 0.55
0.52
1.04
Price/Median PS Value 0.77
BKJ's Price/Median PS Value is ranked higher than
82% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. BKJ: 0.77 )
Ranked among companies with meaningful Price/Median PS Value only.
BKJ' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.75  Med: 1.01 Max: 3.09
Current: 0.77
0.75
3.09
Price/Peter Lynch Fair Value 2.69
BKJ's Price/Peter Lynch Fair Value is ranked lower than
96% of the 434 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. BKJ: 2.69 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BKJ' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.53  Med: 0.67 Max: 2.93
Current: 2.69
0.53
2.93
Price/Graham Number 0.76
BKJ's Price/Graham Number is ranked higher than
58% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. BKJ: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
BKJ' s Price/Graham Number Range Over the Past 10 Years
Min: 0.74  Med: 0.95 Max: 2.88
Current: 0.76
0.74
2.88
Earnings Yield (Greenblatt) (%) 23.50
BKJ's Earnings Yield (Greenblatt) (%) is ranked higher than
92% of the 1803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. BKJ: 23.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BKJ' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 13.35 Max: 731.3
Current: 23.5
0.9
731.3
Forward Rate of Return (Yacktman) (%) 13.93
BKJ's Forward Rate of Return (Yacktman) (%) is ranked higher than
52% of the 844 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.22 vs. BKJ: 13.93 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BKJ' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.8  Med: 39.40 Max: 64.7
Current: 13.93
1.8
64.7

More Statistics

Revenue (TTM) (Mil) $24.19
EPS (TTM) $ 0.81
Beta0.34
Short Percentage of Float0.06%
52-Week Range $9.75 - 13.50
Shares Outstanding (Mil)6.24
» More Articles for AMEX:BKJ

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: CYS, PG, BSET, CLGX, BKJ Oct 29 2012 
Bancorp of New Jersey Inc. Reports Operating Results (10-Q) Nov 15 2010 
Bancorp of New Jersey Inc. (BKJ) CEO Albert F Buzzetti buys 1,000 Shares Sep 09 2010 
Bancorp of New Jersey Inc. Reports Operating Results (10-Q) Aug 13 2010 
Bancorp of New Jersey Inc. Reports Operating Results (10-Q) May 14 2010 
Bancorp of New Jersey Inc. (BKJ) CEO Albert F Buzzetti buys 3,600 Shares Nov 18 2009 
Bancorp of New Jersey Inc. Reports Operating Results (10-Q) Nov 16 2009 
Bancorp of New Jersey Inc. (BKJ) CEO Albert F Buzzetti buys 1,000 Shares Nov 05 2009 
Bancorp of New Jersey Inc. Reports Operating Results (10-Q) Aug 14 2009 
Bancorp of New Jersey Inc. Reports Operating Results (10-Q) May 15 2009 

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