AMEX:BKJ

Stock Analysis Report

Bancorp Of New Jersey

Executive Summary

Bancorp Of New Jersey, Inc. operates as a bank holding company of Bank of New Jersey that provides various banking products and services to individuals, businesses, non-profit organizations, and governmental units.

Snowflake

Fundamentals

Excellent balance sheet with acceptable track record.

Risks

  • Bancorp Of New Jersey is not covered by any analysts.

Similar Companies

Share Price & News

How has Bancorp Of New Jersey's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

2.6%

AMEX:BKJ

3.3%

US Banks

2.1%

US Market


1 Year Return

-6.1%

AMEX:BKJ

-13.8%

US Banks

-0.04%

US Market

BKJ outperformed the Banks industry which returned -14.8% over the past year.

BKJ underperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

BKJIndustryMarket
7 Day2.6%3.3%2.1%
30 Day14.5%-7.0%-3.2%
90 Day21.1%-2.3%2.8%
1 Year-6.1%-6.1%-11.3%-13.8%2.2%-0.04%
3 Year59.0%57.3%42.5%32.7%41.5%32.3%
5 Year51.2%43.3%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Bancorp Of New Jersey's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Bancorp Of New Jersey undervalued based on future cash flows and its price relative to the stock market?

19.32x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Bancorp Of New Jersey's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Bancorp Of New Jersey's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Bancorp Of New Jersey is overvalued based on earnings compared to the US Banks industry average.

Bancorp Of New Jersey is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Bancorp Of New Jersey, we can't assess if its growth is good value.


Price Based on Value of Assets

Bancorp Of New Jersey is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Bancorp Of New Jersey expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

14.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Bancorp Of New Jersey is high growth as no revenue estimate data is available.

Bancorp Of New Jersey's earnings are expected to grow by 14% yearly, however this is not considered high growth (20% yearly).

Unable to compare Bancorp Of New Jersey's revenue growth to the United States of America market average as no estimate data is available.

Bancorp Of New Jersey's earnings growth is positive but not above the United States of America market average.

Bancorp Of New Jersey's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Bancorp Of New Jersey will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Bancorp Of New Jersey performed over the past 5 years?

3.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Bancorp Of New Jersey's year on year earnings growth rate has been positive over the past 5 years.

Bancorp Of New Jersey's 1-year earnings growth exceeds its 5-year average (55.8% vs 3.4%)

Bancorp Of New Jersey's earnings growth has exceeded the US Banks industry average in the past year (55.8% vs 33.2%).


Return on Equity

Bancorp Of New Jersey has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Bancorp Of New Jersey used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Bancorp Of New Jersey improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Bancorp Of New Jersey's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Bancorp Of New Jersey has an acceptable proportion of non-loan assets held.

Bancorp Of New Jersey has a low allowance for bad loans.

Bancorp Of New Jersey's liabilities are made up of primarily low risk sources of funding.

Bancorp Of New Jersey's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Bancorp Of New Jersey are broadly funded by customer deposits.

Bancorp Of New Jersey has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Bancorp Of New Jersey's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Bancorp Of New Jersey's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Bancorp Of New Jersey's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Bancorp Of New Jersey has not reported any payouts.

Unable to verify if Bancorp Of New Jersey's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Bancorp Of New Jersey has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Bancorp Of New Jersey's salary, the management and board of directors tenure and is there insider trading?

3.3yrs

Average management tenure


CEO

Nancy Graves (66yo)

3.3yrs

Tenure

US$704,492

Compensation

Ms. Nancy E. Graves has been the President, Chief Executive Officer and Director of Bancorp Of New Jersey, Inc. and for its subsidiary, Bank of New Jersey since April 5, 2016. Ms. Graves served as the Chie ...


CEO Compensation Analysis

Nancy's remuneration is higher than average for companies of similar size in United States of America.

Nancy's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

3.3yrs

Average Tenure

49yo

Average Age

The tenure for the Bancorp Of New Jersey management team is about average.


Board Age and Tenure

13.6yrs

Average Tenure

67.5yo

Average Age

The average tenure for the Bancorp Of New Jersey board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$42,00012 Dec 18
Rosario Luppino
EntityIndividual
Role
Member of the Board of Directors
Director
Shares3,000
Max PriceUS$14.00
SellUS$126,86930 Aug 18
Anthony Siniscalchi
EntityIndividual
Role
Member of the Board of Directors
Director
Shares7,500
Max PriceUS$17.10

Ownership Breakdown


Management Team

  • Nancy Graves (66yo)

    President

    • Tenure: 3.3yrs
    • Compensation: US$704.49k
  • Robert Cusick

    Senior VP & Commercial Lender

    • Tenure: 0.0yrs
  • Mike Trepicchio (49yo)

    Executive VP & Chief Lending Officer

    • Tenure: 2.8yrs
    • Compensation: US$245.82k
  • Matthew Levinson (49yo)

    Executive VP & CFO

    • Tenure: 4.0yrs
    • Compensation: US$334.46k
  • Ramsey Chong

    Executive VP & Chief Credit Officer

    • Tenure: 0.0yrs
  • Mina Turelli (52yo)

    Executive VP & Chief Risk Officer

    • Tenure: 3.3yrs
    • Compensation: US$315.13k
  • Lori Young (49yo)

    Executive VP & Chief Administrative Officer

    • Tenure: 0.0yrs
    • Compensation: US$191.31k
  • Ronald Urtiaga

    Senior VP & Commercial Lender

    • Tenure: 0.0yrs
  • Cornelia Brummer

    VP & Marketing Director

    • Tenure: 0.0yrs
  • Kinga Mikos

    Vice President of Operations

    • Tenure: 0.0yrs

Board Members

  • Gerald Calabrese (69yo)

    Chairman of the Board

    • Tenure: 5.6yrs
    • Compensation: US$40.70k
  • Nancy Graves (66yo)

    President

    • Tenure: 3.3yrs
    • Compensation: US$704.49k
  • Michael Bello (55yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$26.50k
  • Jay Blau (73yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$34.90k
  • Albert Buzzetti (50yo)

    Vice Chairman of the Board

    • Tenure: 5.3yrs
    • Compensation: US$27.50k
  • Stephen Crevani (77yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$23.70k
  • Anthony LoConte (62yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$25.30k
  • Rosario Luppino (86yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$29.90k
  • Joel Paritz (75yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$35.20k
  • Anthony Siniscalchi (60yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$32.20k

Company Information

Bancorp Of New Jersey, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bancorp Of New Jersey, Inc.
  • Ticker: BKJ
  • Exchange: AMEX
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$116.043m
  • Shares outstanding: 7.29m
  • Website: https://www.bonj.net

Number of Employees


Location

  • Bancorp Of New Jersey, Inc.
  • 1365 Palisade Avenue
  • Fort Lee
  • New Jersey
  • 7024
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BKJAMEX (NYSE MKT LLC)YesCommon StockUSUSDJun 2008

Biography

Bancorp Of New Jersey, Inc. operates as a bank holding company of Bank of New Jersey that provides various banking products and services to individuals, businesses, non-profit organizations, and government ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:07
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.