BCB BANCORP INC (BCBP) Stock Fundamental Analysis
NASDAQ:BCBP - Nasdaq - US0552981039 - Common Stock - Currency: USD
BCBP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 402 industry peers in the Banks industry. BCBP may be in some trouble as it scores bad on both profitability and health. BCBP is not valued too expensively and it also shows a decent growth rate. BCBP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BCBP was profitable.
In the past year BCBP had a positive cash flow from operations.
In the past 5 years BCBP has always been profitable.
BCBP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.55%, BCBP is doing worse than 69.80% of the companies in the same industry.
With a Return On Equity value of 6.06%, BCBP is not doing good in the industry: 67.57% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 6.06% | ||
| ROIC | N/A |
ROA(3y)0.83%
ROA(5y)0.86%
ROE(3y)9.91%
ROE(5y)9.93%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BCBP has a worse Profit Margin (20.08%) than 61.14% of its industry peers.
In the last couple of years the Profit Margin of BCBP has declined.
The Operating Margin and Gross Margin are not available for BCBP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.08% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.24%
PM growth 5Y-4.61%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BCBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
BCBP has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, BCBP has less shares outstanding
The debt/assets ratio for BCBP is higher compared to a year ago.
2.2 Solvency
BCBP has a debt to FCF ratio of 1.12. This is a very positive value and a sign of high solvency as it would only need 1.12 years to pay back of all of its debts.
BCBP has a Debt to FCF ratio of 1.12. This is in the better half of the industry: BCBP outperforms 75.00% of its industry peers.
BCBP has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
BCBP has a Debt to Equity ratio (0.20) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BCBP have decreased strongly by -28.24% in the last year.
BCBP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.16% yearly.
The Revenue for BCBP has decreased by -12.20% in the past year. This is quite bad
BCBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.53% yearly.
EPS 1Y (TTM)-28.24%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-34.29%
Revenue 1Y (TTM)-12.2%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-14.8%
3.2 Future
The Earnings Per Share is expected to grow by 16.31% on average over the next years. This is quite good.
BCBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.92% yearly.
EPS Next Y-3.24%
EPS Next 2Y16.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.06%
Revenue Next 2Y7.92%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.10, the valuation of BCBP can be described as reasonable.
Based on the Price/Earnings ratio, BCBP is valued cheaply inside the industry as 91.34% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of BCBP to the average of the S&P500 Index (29.35), we can say BCBP is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.37, the valuation of BCBP can be described as reasonable.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaply inside the industry as 86.14% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of BCBP to the average of the S&P500 Index (22.10), we can say BCBP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.1 | ||
| Fwd PE | 8.37 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BCBP is valued cheaply inside the industry as 96.53% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as BCBP's earnings are expected to grow with 16.31% in the coming years.
PEG (NY)N/A
PEG (5Y)49.16
EPS Next 2Y16.31%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.48%, BCBP is a good candidate for dividend investing.
In the last 3 months the price of BCBP has falen by -23.53%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
BCBP's Dividend Yield is rather good when compared to the industry average which is at 3.37. BCBP pays more dividend than 95.05% of the companies in the same industry.
BCBP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.48% |
5.2 History
The dividend of BCBP has a limited annual growth rate of 1.62%.
BCBP has been paying a dividend for at least 10 years, so it has a reliable track record.
BCBP has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.62%
Div Incr Years0
Div Non Decr Years17
5.3 Sustainability
59.97% of the earnings are spent on dividend by BCBP. This is a bit on the high side, but may be sustainable.
BCBP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP59.97%
EPS Next 2Y16.31%
EPS Next 3YN/A
9.88
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners39.4%
Inst Owner Change-0.47%
Ins Owners11.97%
Ins Owner Change1.66%
Market Cap168.55M
Analysts78
Price Target13.45 (36.13%)
Short Float %0.65%
Short Ratio1.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.48% |
Yearly Dividend0.66
Dividend Growth(5Y)1.62%
DP59.97%
Div Incr Years0
Div Non Decr Years17
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.53%
Min EPS beat(2)-2.57%
Max EPS beat(2)13.62%
EPS beat(4)1
Avg EPS beat(4)-1.61%
Min EPS beat(4)-8.98%
Max EPS beat(4)13.62%
EPS beat(8)1
Avg EPS beat(8)-10.24%
EPS beat(12)5
Avg EPS beat(12)-3.05%
EPS beat(16)9
Avg EPS beat(16)4%
Revenue beat(2)2
Avg Revenue beat(2)1.58%
Min Revenue beat(2)0.9%
Max Revenue beat(2)2.25%
Revenue beat(4)3
Avg Revenue beat(4)0.45%
Min Revenue beat(4)-2.12%
Max Revenue beat(4)2.25%
Revenue beat(8)3
Avg Revenue beat(8)-5.16%
Revenue beat(12)5
Avg Revenue beat(12)-4%
Revenue beat(16)8
Avg Revenue beat(16)-1.79%
PT rev (1m)-7.46%
PT rev (3m)-4.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-18.58%
EPS NY rev (3m)-20.03%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)-0.01%
Revenue NY rev (1m)-1.19%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.1 | ||
| Fwd PE | 8.37 | ||
| P/S | 1.7 | ||
| P/FCF | 2.8 | ||
| P/OCF | 2.78 | ||
| P/B | 0.51 | ||
| P/tB | 0.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.22
EY12.35%
EPS(NY)1.18
Fwd EY11.95%
FCF(TTM)3.52
FCFY35.66%
OCF(TTM)3.55
OCFY35.95%
SpS5.8
BVpS19.23
TBVpS18.93
PEG (NY)N/A
PEG (5Y)49.16
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 6.06% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.08% | ||
| GM | N/A | ||
| FCFM | 60.72% |
ROA(3y)0.83%
ROA(5y)0.86%
ROE(3y)9.91%
ROE(5y)9.93%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.24%
PM growth 5Y-4.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.12 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 27.78% | ||
| Cap/Sales | 0.51% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 302.4% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC12.82%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-28.24%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-34.29%
EPS Next Y-3.24%
EPS Next 2Y16.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.2%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-14.8%
Revenue Next Year6.06%
Revenue Next 2Y7.92%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y58.16%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y42.25%
OCF growth 3YN/A
OCF growth 5YN/A