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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 3.97
BKJ's Cash-to-Debt is ranked higher than
59% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. BKJ: 3.97 )
Ranked among companies with meaningful Cash-to-Debt only.
BKJ' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.69  Med: No Debt Max: No Debt
Current: 3.97
Equity-to-Asset 0.09
BKJ's Equity-to-Asset is ranked lower than
65% of the 1628 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: 0.1 Max: 0.41
Current: 0.09
0.08
0.41
Interest Coverage 0.84
BKJ's Interest Coverage is ranked lower than
71% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. BKJ: 0.84 )
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: 0.84
0.13
1.26
Beneish M-Score: -2.40
WACC vs ROIC
7.24%
16.88%
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 : 5/10

vs
industry
vs
history
Operating Margin % 23.30
BKJ's Operating Margin % is ranked lower than
69% of the 1666 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. BKJ: 23.30 )
Ranked among companies with meaningful Operating Margin % only.
BKJ' s Operating Margin % Range Over the Past 10 Years
Min: 13.25  Med: 27.71 Max: 40.41
Current: 23.3
13.25
40.41
Net Margin % 15.22
BKJ's Net Margin % is ranked lower than
74% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.77 vs. BKJ: 15.22 )
Ranked among companies with meaningful Net Margin % only.
BKJ' s Net Margin % Range Over the Past 10 Years
Min: 7.37  Med: 17.11 Max: 24.4
Current: 15.22
7.37
24.4
ROE % 4.94
BKJ's ROE % is ranked lower than
76% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.51 vs. BKJ: 4.94 )
Ranked among companies with meaningful ROE % only.
BKJ' s ROE % Range Over the Past 10 Years
Min: 1.12  Med: 5.92 Max: 8.49
Current: 4.94
1.12
8.49
ROA % 0.46
BKJ's ROA % is ranked lower than
77% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. BKJ: 0.46 )
Ranked among companies with meaningful ROA % only.
BKJ' s ROA % Range Over the Past 10 Years
Min: 0.19  Med: 0.59 Max: 0.81
Current: 0.46
0.19
0.81
3-Year Revenue Growth Rate 3.80
BKJ's 3-Year Revenue Growth Rate is ranked lower than
53% of the 1400 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. BKJ: 3.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BKJ' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 3.8  Med: 17 Max: 42.5
Current: 3.8
3.8
42.5
3-Year EBITDA Growth Rate -10.90
BKJ's 3-Year EBITDA Growth Rate is ranked lower than
87% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. BKJ: -10.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BKJ' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -10.9  Med: 25.5 Max: 65.2
Current: -10.9
-10.9
65.2
3-Year EPS without NRI Growth Rate -9.70
BKJ's 3-Year EPS without NRI Growth Rate is ranked lower than
84% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. BKJ: -9.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BKJ' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -9.7  Med: 28.5 Max: 85.7
Current: -9.7
-9.7
85.7
GuruFocus has detected 7 Warning Signs with Bancorp of New Jersey Inc $BKJ.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BKJ's 30-Y Financials

Financials (Next Earnings Date: 2017-08-05 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:FCAP, NAS:MSBF, NAS:HFBC, NAS:LSBK, OTCBB:NWIN, OTCPK:SFDL, NAS:PBBI, NAS:KFFB, NAS:UCBA, OTCPK:BHWB, NAS:HMNF, NAS:IROQ, NAS:PBSK, NAS:PBHC, OTCPK:GRRB, NAS:ANCB, NAS:RVSB, NAS:FSBK, NAS:PBIP, NAS:JXSB » details
Headquarter Location:USA
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.

Top Ranked Articles about Bancorp of New Jersey Inc

Bancorp of New Jersey, Inc. Announces First Quarter Earnings

Ratios

vs
industry
vs
history
PE Ratio 28.01
BKJ's PE Ratio is ranked lower than
87% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.61 vs. BKJ: 28.01 )
Ranked among companies with meaningful PE Ratio only.
BKJ' s PE Ratio Range Over the Past 10 Years
Min: 12.65  Med: 16.8 Max: 129.5
Current: 28.01
12.65
129.5
PE Ratio without NRI 28.01
BKJ's PE Ratio without NRI is ranked lower than
87% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. BKJ: 28.01 )
Ranked among companies with meaningful PE Ratio without NRI only.
BKJ' s PE Ratio without NRI Range Over the Past 10 Years
Min: 12.65  Med: 16.8 Max: 129.5
Current: 28.01
12.65
129.5
Price-to-Owner-Earnings 36.13
BKJ's Price-to-Owner-Earnings is ranked lower than
90% of the 906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.97 vs. BKJ: 36.13 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BKJ' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 11.04  Med: 16.98 Max: 36.56
Current: 36.13
11.04
36.56
PB Ratio 1.37
BKJ's PB Ratio is ranked lower than
60% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. BKJ: 1.37 )
Ranked among companies with meaningful PB Ratio only.
BKJ' s PB Ratio Range Over the Past 10 Years
Min: 0.86  Med: 1.04 Max: 1.76
Current: 1.37
0.86
1.76
PS Ratio 4.29
BKJ's PS Ratio is ranked lower than
65% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.37 vs. BKJ: 4.29 )
Ranked among companies with meaningful PS Ratio only.
BKJ' s PS Ratio Range Over the Past 10 Years
Min: 2.6  Med: 3.7 Max: 12.16
Current: 4.29
2.6
12.16
Price-to-Free-Cash-Flow 33.80
BKJ's Price-to-Free-Cash-Flow is ranked lower than
92% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. BKJ: 33.80 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BKJ' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.82  Med: 12.57 Max: 129.31
Current: 33.8
6.82
129.31
Price-to-Operating-Cash-Flow 17.29
BKJ's Price-to-Operating-Cash-Flow is ranked lower than
80% of the 959 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.18 vs. BKJ: 17.29 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BKJ' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.49  Med: 11.78 Max: 1111.11
Current: 17.29
6.49
1111.11
EV-to-EBIT 6.48
BKJ's EV-to-EBIT is ranked higher than
74% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. BKJ: 6.48 )
Ranked among companies with meaningful EV-to-EBIT only.
BKJ' s EV-to-EBIT Range Over the Past 10 Years
Min: -1  Med: 6.4 Max: 110
Current: 6.48
-1
110
EV-to-EBITDA 5.83
BKJ's EV-to-EBITDA is ranked higher than
74% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.93 vs. BKJ: 5.83 )
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 Max: 79.7
Current: 5.83
-0.9
79.7
Shiller PE Ratio 27.79
BKJ's Shiller PE Ratio is ranked lower than
71% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.16 vs. BKJ: 27.79 )
Ranked among companies with meaningful Shiller PE Ratio only.
BKJ' s Shiller PE Ratio Range Over the Past 10 Years
Min: 19.89  Med: 22.21 Max: 28.33
Current: 27.79
19.89
28.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.72
BKJ's Dividend Yield % is ranked lower than
93% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. BKJ: 0.72 )
Ranked among companies with meaningful Dividend Yield % only.
BKJ' s Dividend Yield % Range Over the Past 10 Years
Min: 0.61  Med: 1.85 Max: 2.34
Current: 0.72
0.61
2.34
Dividend Payout Ratio 0.20
BKJ's Dividend Payout Ratio is ranked higher than
76% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. BKJ: 0.20 )
Ranked among companies with meaningful Dividend Payout Ratio only.
BKJ' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.2  Med: 0.3 Max: 0.34
Current: 0.2
0.2
0.34
3-Year Dividend Growth Rate -9.10
BKJ's 3-Year Dividend Growth Rate is ranked lower than
83% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. BKJ: -9.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
BKJ' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: -9.1
Current: -9.1
Forward Dividend Yield % 1.45
BKJ's Forward Dividend Yield % is ranked lower than
82% of the 2234 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. BKJ: 1.45 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.73
BKJ's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. BKJ: 0.73 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BKJ' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.61  Med: 1.85 Max: 2.34
Current: 0.73
0.61
2.34
3-Year Average Share Buyback Ratio -5.80
BKJ's 3-Year Average Share Buyback Ratio is ranked lower than
67% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. BKJ: -5.80 )
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: -1.6 Max: 0
Current: -5.8
-6.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.36
BKJ's Price-to-Tangible-Book is ranked lower than
54% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. BKJ: 1.36 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BKJ' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.92  Med: 1.06 Max: 1.68
Current: 1.36
0.92
1.68
Price-to-Intrinsic-Value-Projected-FCF 0.97
BKJ's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
66% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. BKJ: 0.97 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BKJ' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.77 Max: 1.04
Current: 0.97
0.52
1.04
Price-to-Median-PS-Value 1.16
BKJ's Price-to-Median-PS-Value is ranked lower than
51% of the 1561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. BKJ: 1.16 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BKJ' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.75  Med: 1.01 Max: 3.14
Current: 1.16
0.75
3.14
Price-to-Graham-Number 1.30
BKJ's Price-to-Graham-Number is ranked lower than
75% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. BKJ: 1.30 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BKJ' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.74  Med: 0.95 Max: 2.88
Current: 1.3
0.74
2.88
Earnings Yield (Greenblatt) % 15.41
BKJ's Earnings Yield (Greenblatt) % is ranked higher than
80% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.85 vs. BKJ: 15.41 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BKJ' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1542.1  Med: 14.9 Max: 731.3
Current: 15.41
-1542.1
731.3
Forward Rate of Return (Yacktman) % 0.53
BKJ's Forward Rate of Return (Yacktman) % is ranked lower than
78% of the 955 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.14 vs. BKJ: 0.53 )
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: 0.4  Med: 30 Max: 64.9
Current: 0.53
0.4
64.9

More Statistics

Revenue (TTM) (Mil) $24.78
EPS (TTM) $ 0.60
Beta0.42
Short Percentage of Float0.19%
52-Week Range $10.50 - 17.50
Shares Outstanding (Mil)6.36
» More Articles for BKJ

Headlines

Articles On GuruFocus.com
Bancorp of New Jersey, Inc. Announces First Quarter Earnings May 10 2017 
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 

More From Other Websites
Bancorp of New Jersey announces a 5% Stock Dividend Jun 26 2017
ETFs with exposure to Bancorp of New Jersey, Inc. : June 14, 2017 Jun 14 2017
Bancorp of New Jersey, Inc. :BKJ-US: Earnings Analysis: Q1, 2017 By the Numbers : June 9, 2017 Jun 09 2017
Bancorp of New Jersey, Inc. Announces First Quarter Earnings May 10 2017
ETFs with exposure to Bancorp of New Jersey, Inc. : April 26, 2017 Apr 26 2017
Bancorp of New Jersey, Inc. :BKJ-US: Earnings Analysis: Q4, 2016 By the Numbers : April 3, 2017 Apr 03 2017
Bancorp of New Jersey, Inc. :BKJ-US: Earnings Analysis: 2016 By the Numbers : February 14, 2017 Feb 14 2017
ETFs with exposure to Bancorp of New Jersey, Inc. : January 4, 2017 Jan 04 2017
ETFs with exposure to Bancorp of New Jersey, Inc. : December 13, 2016 Dec 13 2016
ETFs with exposure to Bancorp of New Jersey, Inc. : November 14, 2016 Nov 14 2016
Bancorp of New Jersey, Inc. :BKJ-US: Earnings Analysis: Q3, 2016 By the Numbers : November 11, 2016 Nov 11 2016
Bancorp of New Jersey, Inc. : BKJ-US: Dividend Analysis : September 23rd, 2016 (record date) : By... Oct 03 2016
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