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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 2.52
BKJ's Cash to Debt is ranked higher than
57% of the 983 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.38 vs. BKJ: 2.52 )
Ranked among companies with meaningful Cash to Debt only.
BKJ' s 10-Year Cash to Debt Range
Min: 0.66  Med: 10000.00 Max: No Debt
Current: 2.52
Equity to Asset 0.09
BKJ's Equity to Asset is ranked lower than
64% of the 1353 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.13 Max: 0.41
Current: 0.09
0.08
0.41
Interest Coverage 0.89
BKJ's Interest Coverage is ranked lower than
66% of the 1269 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. BKJ: 0.89 )
Ranked among companies with meaningful Interest Coverage only.
BKJ' s 10-Year Interest Coverage Range
Min: 0.13  Med: 0.87 Max: 1.26
Current: 0.89
0.13
1.26
F-Score: 4
WACC vs ROIC
4.88%
8.13%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 27.09
BKJ's Operating margin (%) is ranked lower than
59% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.31 vs. BKJ: 27.09 )
Ranked among companies with meaningful Operating margin (%) only.
BKJ' s 10-Year Operating margin (%) Range
Min: -12.93  Med: 27.57 Max: 40.41
Current: 27.09
-12.93
40.41
Net-margin (%) 18.10
BKJ's Net-margin (%) is ranked lower than
64% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.02 vs. BKJ: 18.10 )
Ranked among companies with meaningful Net-margin (%) only.
BKJ' s 10-Year Net-margin (%) Range
Min: -18.23  Med: 16.54 Max: 24.4
Current: 18.1
-18.23
24.4
ROE (%) 6.67
BKJ's ROE (%) is ranked lower than
63% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.48 vs. BKJ: 6.67 )
Ranked among companies with meaningful ROE (%) only.
BKJ' s 10-Year ROE (%) Range
Min: 1.12  Med: 5.42 Max: 8.49
Current: 6.67
1.12
8.49
ROA (%) 0.58
BKJ's ROA (%) is ranked lower than
68% of the 1432 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. BKJ: 0.58 )
Ranked among companies with meaningful ROA (%) only.
BKJ' s 10-Year ROA (%) Range
Min: 0.19  Med: 0.59 Max: 0.81
Current: 0.58
0.19
0.81
Revenue Growth (3Y)(%) 10.90
BKJ's Revenue Growth (3Y)(%) is ranked higher than
78% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. BKJ: 10.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BKJ' s 10-Year Revenue Growth (3Y)(%) Range
Min: 10.9  Med: 22.90 Max: 42.5
Current: 10.9
10.9
42.5
EBITDA Growth (3Y)(%) 1.40
BKJ's EBITDA Growth (3Y)(%) is ranked lower than
69% of the 1066 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. BKJ: 1.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BKJ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 1.4  Med: 41.90 Max: 66.3
Current: 1.4
1.4
66.3
EPS Growth (3Y)(%) 3.00
BKJ's EPS Growth (3Y)(%) is ranked lower than
66% of the 1065 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.70 vs. BKJ: 3.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BKJ' s 10-Year EPS Growth (3Y)(%) Range
Min: 3  Med: 34.10 Max: 85.7
Current: 3
3
85.7
» BKJ's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 14.76
BKJ's P/E(ttm) is ranked lower than
61% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. BKJ: 14.76 )
Ranked among companies with meaningful P/E(ttm) only.
BKJ' s 10-Year P/E(ttm) Range
Min: 12.75  Med: 17.01 Max: 132.14
Current: 14.76
12.75
132.14
Forward P/E 11.00
BKJ's Forward P/E is ranked higher than
58% of the 718 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.82 vs. BKJ: 11.00 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.90
BKJ's PE(NRI) is ranked lower than
60% of the 1288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. BKJ: 14.90 )
Ranked among companies with meaningful PE(NRI) only.
BKJ' s 10-Year PE(NRI) Range
Min: 12.69  Med: 16.96 Max: 129.5
Current: 14.9
12.69
129.5
P/B 0.96
BKJ's P/B is ranked higher than
57% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. BKJ: 0.96 )
Ranked among companies with meaningful P/B only.
BKJ' s 10-Year P/B Range
Min: 0.89  Med: 1.06 Max: 1.76
Current: 0.96
0.89
1.76
P/S 2.66
BKJ's P/S is ranked higher than
54% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. BKJ: 2.66 )
Ranked among companies with meaningful P/S only.
BKJ' s 10-Year P/S Range
Min: 2.66  Med: 3.83 Max: 12.13
Current: 2.66
2.66
12.13
PFCF 8.60
BKJ's PFCF is ranked higher than
60% of the 858 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.85 vs. BKJ: 8.60 )
Ranked among companies with meaningful PFCF only.
BKJ' s 10-Year PFCF Range
Min: 6.76  Med: 12.08 Max: 136.36
Current: 8.6
6.76
136.36
POCF 8.10
BKJ's POCF is ranked higher than
55% of the 954 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.17 vs. BKJ: 8.10 )
Ranked among companies with meaningful POCF only.
BKJ' s 10-Year POCF Range
Min: 6.51  Med: 11.47 Max: 92.86
Current: 8.1
6.51
92.86
EV-to-EBIT 3.67
BKJ's EV-to-EBIT is ranked higher than
94% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. BKJ: 3.67 )
Ranked among companies with meaningful EV-to-EBIT only.
BKJ' s 10-Year EV-to-EBIT Range
Min: 2.6  Med: 8.20 Max: 110
Current: 3.67
2.6
110
PEG 0.72
BKJ's PEG is ranked higher than
64% of the 612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. BKJ: 0.72 )
Ranked among companies with meaningful PEG only.
BKJ' s 10-Year PEG Range
Min: 0.21  Med: 0.36 Max: 1.29
Current: 0.72
0.21
1.29
Shiller P/E 15.90
BKJ's Shiller P/E is ranked lower than
52% of the 784 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.97 vs. BKJ: 15.90 )
Ranked among companies with meaningful Shiller P/E only.
BKJ' s 10-Year Shiller P/E Range
Min: 15.9  Med: 24.81 Max: 32.6
Current: 15.9
15.9
32.6
Days Sales Outstanding 36.34
BKJ's Days Sales Outstanding is ranked lower than
54% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. BKJ: 36.34 )
Ranked among companies with meaningful Days Sales Outstanding only.
BKJ' s 10-Year Days Sales Outstanding Range
Min: 27.86  Med: 36.57 Max: 51.81
Current: 36.34
27.86
51.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.18
BKJ's Dividend Yield is ranked lower than
63% of the 2262 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. BKJ: 2.18 )
Ranked among companies with meaningful Dividend Yield only.
BKJ' s 10-Year Dividend Yield Range
Min: 0.61  Med: 1.81 Max: 2.28
Current: 2.18
0.61
2.28
Dividend Payout 0.32
BKJ's Dividend Payout is ranked higher than
52% of the 1321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. BKJ: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
BKJ' s 10-Year Dividend Payout Range
Min: 0.26  Med: 0.29 Max: 0.56
Current: 0.32
0.26
0.56
Yield on cost (5-Year) 2.18
BKJ's Yield on cost (5-Year) is ranked lower than
67% of the 2265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. BKJ: 2.18 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BKJ' s 10-Year Yield on cost (5-Year) Range
Min: 0.61  Med: 1.81 Max: 2.28
Current: 2.18
0.61
2.28
Share Buyback Rate -1.20
BKJ's Share Buyback Rate is ranked higher than
56% of the 1012 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. BKJ: -1.20 )
Ranked among companies with meaningful Share Buyback Rate only.
BKJ' s 10-Year Share Buyback Rate Range
Min: -0.7  Med: -1.05 Max: -2.8
Current: -1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.96
BKJ's Price/Tangible Book is ranked higher than
61% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. BKJ: 0.96 )
Ranked among companies with meaningful Price/Tangible Book only.
BKJ' s 10-Year Price/Tangible Book Range
Min: 0.91  Med: 1.09 Max: 1.68
Current: 0.96
0.91
1.68
Price/Projected FCF 0.52
BKJ's Price/Projected FCF is ranked higher than
65% of the 806 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. BKJ: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
BKJ' s 10-Year Price/Projected FCF Range
Min: 0.52  Med: 0.82 Max: 1.04
Current: 0.52
0.52
1.04
Price/Median PS Value 0.69
BKJ's Price/Median PS Value is ranked higher than
88% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. BKJ: 0.69 )
Ranked among companies with meaningful Price/Median PS Value only.
BKJ' s 10-Year Price/Median PS Value Range
Min: 0.73  Med: 1.02 Max: 3.02
Current: 0.69
0.73
3.02
Price/Peter Lynch Fair Value 1.24
BKJ's Price/Peter Lynch Fair Value is ranked lower than
69% of the 371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.92 vs. BKJ: 1.24 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BKJ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53  Med: 0.66 Max: 1.3
Current: 1.24
0.53
1.3
Price/Graham Number 0.83
BKJ's Price/Graham Number is ranked lower than
53% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. BKJ: 0.83 )
Ranked among companies with meaningful Price/Graham Number only.
BKJ' s 10-Year Price/Graham Number Range
Min: 0.74  Med: 1.00 Max: 2.89
Current: 0.83
0.74
2.89
Earnings Yield (Greenblatt) (%) 27.25
BKJ's Earnings Yield (Greenblatt) (%) is ranked higher than
95% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. BKJ: 27.25 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BKJ' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.9  Med: 12.20 Max: 38.6
Current: 27.25
0.9
38.6
Forward Rate of Return (Yacktman) (%) 21.69
BKJ's Forward Rate of Return (Yacktman) (%) is ranked higher than
65% of the 785 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.29 vs. BKJ: 21.69 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BKJ' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.8  Med: 45.80 Max: 64.4
Current: 21.69
1.8
64.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
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.
» More Articles for 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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