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BCB BANCORP INC (BCBP) Stock Fundamental Analysis

NASDAQ:BCBP - Nasdaq - US0552981039 - Common Stock - Currency: USD

8.56  -0.43 (-4.78%)

After market: 8.56 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BCBP. BCBP was compared to 394 industry peers in the Banks industry. Both the profitability and financial health of BCBP have multiple concerns. BCBP is not valued too expensively and it also shows a decent growth rate. BCBP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
Each year in the past 5 years BCBP has been profitable.
BCBP had a positive operating cash flow in each of the past 5 years.
BCBP Yearly Net Income VS EBIT VS OCF VS FCFBCBP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

With a Return On Assets value of 0.07%, BCBP is not doing good in the industry: 88.58% of the companies in the same industry are doing better.
BCBP has a Return On Equity of 0.81%. This is amonst the worse of the industry: BCBP underperforms 88.58% of its industry peers.
Industry RankSector Rank
ROA 0.07%
ROE 0.81%
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
BCBP Yearly ROA, ROE, ROICBCBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With a Profit Margin value of 2.73%, BCBP is not doing good in the industry: 87.82% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of BCBP has declined.
BCBP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 2.73%
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
BCBP Yearly Profit, Operating, Gross MarginsBCBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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
Compared to 1 year ago, BCBP has a worse debt to assets ratio.
BCBP Yearly Shares OutstandingBCBP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
BCBP Yearly Total Debt VS Total AssetsBCBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

BCBP has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
BCBP's Debt to FCF ratio of 0.68 is amongst the best of the industry. BCBP outperforms 80.20% of its industry peers.
BCBP has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
BCBP has a better Debt to Equity ratio (0.14) than 60.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC14.8%
BCBP Yearly LT Debt VS Equity VS FCFBCBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BCBP Yearly Current Assets VS Current LiabilitesBCBP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

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4

3. Growth

3.1 Past

BCBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.00%.
BCBP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.16% yearly.
Looking at the last year, BCBP shows a very negative growth in Revenue. The Revenue has decreased by -13.10% in the last year.
Measured over the past years, BCBP shows a small growth in Revenue. The Revenue has been growing by 1.53% on average per year.
EPS 1Y (TTM)-75%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-259.37%
Revenue 1Y (TTM)-13.1%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-5.77%

3.2 Future

Based on estimates for the next years, BCBP will show a small growth in Earnings Per Share. The EPS will grow by 6.76% on average per year.
Based on estimates for the next years, BCBP will show a small growth in Revenue. The Revenue will grow by 6.34% on average per year.
EPS Next Y-88.5%
EPS Next 2Y6.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.28%
Revenue Next 2Y6.34%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BCBP Yearly Revenue VS EstimatesBCBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
BCBP Yearly EPS VS EstimatesBCBP Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 21.95, BCBP is valued on the expensive side.
80.96% of the companies in the same industry are cheaper than BCBP, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BCBP to the average of the S&P500 Index (27.19), we can say BCBP is valued inline with the index average.
The Price/Forward Earnings ratio is 6.16, which indicates a rather cheap valuation of BCBP.
92.39% of the companies in the same industry are more expensive than BCBP, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 35.33. BCBP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 21.95
Fwd PE 6.16
BCBP Price Earnings VS Forward Price EarningsBCBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

98.48% of the companies in the same industry are more expensive than BCBP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.33
EV/EBITDA N/A
BCBP Per share dataBCBP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)133.23
EPS Next 2Y6.76%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

BCBP has a Yearly Dividend Yield of 7.03%, which is a nice return.
BCBP's Dividend Yield is rather good when compared to the industry average which is at 3.31. BCBP pays more dividend than 96.19% of the companies in the same industry.
BCBP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 7.03%

5.2 History

The dividend of BCBP has a limited annual growth rate of 3.63%.
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)3.63%
Div Incr Years0
Div Non Decr Years17
BCBP Yearly Dividends per shareBCBP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

485.51% of the earnings are spent on dividend by BCBP. This is not a sustainable payout ratio.
The dividend of BCBP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP485.51%
EPS Next 2Y6.76%
EPS Next 3YN/A
BCBP Yearly Income VS Free CF VS DividendBCBP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BCBP Dividend Payout.BCBP Dividend Payout, showing the Payout Ratio.BCBP Dividend Payout.PayoutRetained Earnings

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BCB BANCORP INC

NASDAQ:BCBP (7/15/2025, 4:36:31 PM)

After market: 8.56 0 (0%)

8.56

-0.43 (-4.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners38.89%
Inst Owner Change0%
Ins Owners8.92%
Ins Owner Change2.48%
Market Cap146.89M
Analysts78
Price Target10.77 (25.82%)
Short Float %1.96%
Short Ratio3.75
Dividend
Industry RankSector Rank
Dividend Yield 7.03%
Yearly Dividend0.72
Dividend Growth(5Y)3.63%
DP485.51%
Div Incr Years0
Div Non Decr Years17
Ex-Date05-07 2025-05-07 (0.16)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-172.45%
Min EPS beat(2)-323.54%
Max EPS beat(2)-21.36%
EPS beat(4)1
Avg EPS beat(4)-83.46%
Min EPS beat(4)-323.54%
Max EPS beat(4)13.62%
EPS beat(8)1
Avg EPS beat(8)-48.05%
EPS beat(12)3
Avg EPS beat(12)-34.53%
EPS beat(16)7
Avg EPS beat(16)-23.36%
Revenue beat(2)0
Avg Revenue beat(2)-5.93%
Min Revenue beat(2)-7.97%
Max Revenue beat(2)-3.9%
Revenue beat(4)2
Avg Revenue beat(4)-2.18%
Min Revenue beat(4)-7.97%
Max Revenue beat(4)2.25%
Revenue beat(8)3
Avg Revenue beat(8)-2.6%
Revenue beat(12)4
Avg Revenue beat(12)-4.56%
Revenue beat(16)6
Avg Revenue beat(16)-3.68%
PT rev (1m)0%
PT rev (3m)-17.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-33.1%
EPS NY rev (1m)-1.79%
EPS NY rev (3m)-88.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.14%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)-3.57%
Valuation
Industry RankSector Rank
PE 21.95
Fwd PE 6.16
P/S 1.57
P/FCF 2.33
P/OCF 2.28
P/B 0.47
P/tB 0.47
EV/EBITDA N/A
EPS(TTM)0.39
EY4.56%
EPS(NY)1.39
Fwd EY16.24%
FCF(TTM)3.68
FCFY42.94%
OCF(TTM)3.76
OCFY43.87%
SpS5.45
BVpS18.34
TBVpS18.03
PEG (NY)N/A
PEG (5Y)133.23
Profitability
Industry RankSector Rank
ROA 0.07%
ROE 0.81%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.73%
GM N/A
FCFM 67.46%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.68
Debt/EBITDA N/A
Cap/Depr 83.56%
Cap/Sales 1.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 2470.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.8%
ROIC/WACCN/A
Cap/Depr(3y)107.7%
Cap/Depr(5y)75.95%
Cap/Sales(3y)1.97%
Cap/Sales(5y)1.54%
Profit Quality(3y)197.56%
Profit Quality(5y)286.8%
High Growth Momentum
Growth
EPS 1Y (TTM)-75%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-259.37%
EPS Next Y-88.5%
EPS Next 2Y6.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.1%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-5.77%
Revenue Next Year2.28%
Revenue Next 2Y6.34%
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 1Y40.48%
FCF growth 3Y13.4%
FCF growth 5Y24.99%
OCF growth 1Y41.64%
OCF growth 3Y13.85%
OCF growth 5Y22.75%