Contrasting Beverly Hills Bancorp (OTCMKTS:BHBCQ) and Northfield Bancorp (NASDAQ:NFBK)

Northfield Bancorp (NASDAQ:NFBK) and Beverly Hills Bancorp (OTCMKTS:BHBCQ) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, earnings, analyst recommendations, dividends and profitability.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Northfield Bancorp and Beverly Hills Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Northfield Bancorp	0	2	0	0	2.00
Beverly Hills Bancorp	0	0	0	0	0.00

Northfield Bancorp presently has a consensus target price of $14.50, suggesting a potential upside of 0.55%. Given Northfield Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Northfield Bancorp is more favorable than Beverly Hills Bancorp.

Valuation and Earnings

This table compares Northfield Bancorp and Beverly Hills Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Northfield Bancorp	$266.05 million	2.26	$800,000.00	$0.12	120.17
Beverly Hills Bancorp	N/A	N/A	N/A	N/A	N/A

Northfield Bancorp has higher revenue and earnings than Beverly Hills Bancorp.

Profitability

This table compares Northfield Bancorp and Beverly Hills Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Northfield Bancorp	1.77%	6.75%	0.83%
Beverly Hills Bancorp	N/A	N/A	N/A

Insider & Institutional Ownership

65.5% of Northfield Bancorp shares are held by institutional investors. 6.0% of Northfield Bancorp shares are held by insiders. Comparatively, 13.0% of Beverly Hills Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

Northfield Bancorp beats Beverly Hills Bancorp on 7 of the 8 factors compared between the two stocks.

About Northfield Bancorp

Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking products and services primarily to individuals and corporate customers. It accepts various deposits products, including certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest-bearing checking accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and home equity loans and lines of credit. In addition, it purchases various investment securities, such as mortgage-backed securities and corporate bonds; and deposits funds in other financial institutions, as well as holds mortgage loans, mortgage-backed securities, and other investments. Further, the company provides automated teller machines; telephone, internet, and mobile banking services; and ACH and wire transfers, cash management, positive pay, and remote deposit capture services. It operates full-service banking offices in Staten Island and Brooklyn, New York; and Hunterdon, Middlesex, Mercer, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.

About Beverly Hills Bancorp

Beverly Hills Bancorp Inc. is a financial holding company and conducts its banking and lending operations through its primary subsidiary, First Bank of Beverly Hills. The Bank focuses on niche products, including the origination and acquisition of commercial and multi-family real estate loans. The Bank's principal funding sources consist of certificates of deposits generated through independent brokers and its money desk, borrowings from the Federal Home Loan Bank of San Francisco and repurchase agreements with major investment banks. The Bank is a California state-chartered commercial bank and is regulated by the Federal Deposit Insurance Corporation.Beverly Hills Bancorp's common stock is traded on the Nasdaq National Market under the trading symbol "BHBC".