BCB BANCORP INC (BCBP) Fundamental Analysis & Valuation

NASDAQ:BCBP • US0552981039

7.99 USD
-0.07 (-0.87%)
Last: Mar 11, 2026, 01:10 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This BCBP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BCBP. BCBP was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of BCBP have multiple concerns. BCBP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. BCBP Profitability Analysis

1.1 Basic Checks

  • BCBP had positive earnings in the past year.
  • BCBP had a positive operating cash flow in the past year.
  • BCBP had positive earnings in 4 of the past 5 years.
  • Of the past 5 years BCBP 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • BCBP's Return On Assets of 0.03% is on the low side compared to the rest of the industry. BCBP is outperformed by 90.55% of its industry peers.
  • Looking at the Return On Equity, with a value of 0.27%, BCBP is doing worse than 90.55% of the companies in the same industry.
Industry RankSector Rank
ROA 0.03%
ROE 0.27%
ROIC N/A
ROA(3y)0.26%
ROA(5y)0.63%
ROE(3y)3.2%
ROE(5y)7.41%
ROIC(3y)N/A
ROIC(5y)N/A
BCBP Yearly ROA, ROE, ROICBCBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • BCBP's Profit Margin of 0.87% is on the low side compared to the rest of the industry. BCBP is outperformed by 90.55% of its industry peers.
  • The Operating Margin and Gross Margin are not available for BCBP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 0.87%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BCBP Yearly Profit, Operating, Gross MarginsBCBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. BCBP Health Analysis

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.
  • The number of shares outstanding for BCBP has been increased compared to 5 years ago.
  • BCBP has a worse debt/assets ratio than last year.
BCBP Yearly Shares OutstandingBCBP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
BCBP Yearly Total Debt VS Total AssetsBCBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • BCBP has a debt to FCF ratio of 1.42. This is a very positive value and a sign of high solvency as it would only need 1.42 years to pay back of all of its debts.
  • The Debt to FCF ratio of BCBP (1.42) is better than 60.63% of its industry peers.
  • A Debt/Equity ratio of 0.14 indicates that BCBP is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.14, BCBP perfoms like the industry average, outperforming 57.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.42
Altman-Z N/A
ROIC/WACCN/A
WACC14.72%
BCBP Yearly LT Debt VS Equity VS FCFBCBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. BCBP Growth Analysis

3.1 Past

  • BCBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -96.72%.
  • BCBP shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -46.93% yearly.
  • Looking at the last year, BCBP shows a small growth in Revenue. The Revenue has grown by 6.99% in the last year.
  • The Revenue has been growing slightly by 1.81% on average over the past years.
EPS 1Y (TTM)-96.72%
EPS 3Y-75.1%
EPS 5Y-46.93%
EPS Q2Q%-34.78%
Revenue 1Y (TTM)6.99%
Revenue growth 3Y-4.19%
Revenue growth 5Y1.81%
Sales Q2Q%13.12%

3.2 Future

  • Based on estimates for the next years, BCBP will show a very strong growth in Earnings Per Share. The EPS will grow by 491.81% on average per year.
  • The Revenue is expected to grow by 6.71% on average over the next years.
EPS Next Y2807%
EPS Next 2Y491.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.29%
Revenue Next 2Y6.71%
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.
BCBP Yearly Revenue VS EstimatesBCBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 0 0.5 1 1.5 2 2.5

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6

4. BCBP Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 199.75 indicates a quite expensive valuation of BCBP.
  • Based on the Price/Earnings ratio, BCBP is valued more expensive than 90.29% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BCBP to the average of the S&P500 Index (26.25), we can say BCBP is valued expensively.
  • BCBP is valuated cheaply with a Price/Forward Earnings ratio of 6.87.
  • 93.70% of the companies in the same industry are more expensive than BCBP, based on the Price/Forward Earnings ratio.
  • BCBP is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.39, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 199.75
Fwd PE 6.87
BCBP Price Earnings VS Forward Price EarningsBCBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BCBP is valued cheaper than 92.39% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.54
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BCBP's earnings are expected to grow with 491.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y491.81%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BCBP Dividend Analysis

5.1 Amount

  • BCBP has a Yearly Dividend Yield of 3.84%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.86, BCBP pays a bit more dividend than its industry peers.
  • BCBP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.84%

5.2 History

  • The dividend of BCBP has a limited annual growth rate of 3.63%.
  • BCBP has paid a dividend for at least 10 years, which is 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 1430.84% of the earnings are spent on dividend by BCBP. This is not a sustainable payout ratio.
  • BCBP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP1430.84%
EPS Next 2Y491.81%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M
BCBP Dividend Payout.BCBP Dividend Payout, showing the Payout Ratio.BCBP Dividend Payout.PayoutRetained Earnings

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BCBP Fundamentals: All Metrics, Ratios and Statistics

BCB BANCORP INC

NASDAQ:BCBP (3/11/2026, 1:10:08 PM)

7.99

-0.07 (-0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-20
Inst Owners40.46%
Inst Owner Change4.71%
Ins Owners9.19%
Ins Owner Change1.6%
Market Cap137.99M
Revenue(TTM)101.60M
Net Income(TTM)856.00K
Analysts45.71
Price Target9.18 (14.89%)
Short Float %2.81%
Short Ratio4.51
Dividend
Industry RankSector Rank
Dividend Yield 3.84%
Yearly Dividend0.72
Dividend Growth(5Y)3.63%
DP1430.84%
Div Incr Years0
Div Non Decr Years17
Ex-Date02-11
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.26%
Min EPS beat(2)-0.58%
Max EPS beat(2)1.1%
EPS beat(4)1
Avg EPS beat(4)-86.1%
Min EPS beat(4)-323.54%
Max EPS beat(4)1.1%
EPS beat(8)2
Avg EPS beat(8)-43.85%
EPS beat(12)2
Avg EPS beat(12)-35.52%
EPS beat(16)6
Avg EPS beat(16)-23.81%
Revenue beat(2)2
Avg Revenue beat(2)1.12%
Min Revenue beat(2)0.76%
Max Revenue beat(2)1.48%
Revenue beat(4)2
Avg Revenue beat(4)-2.41%
Min Revenue beat(4)-7.97%
Max Revenue beat(4)1.48%
Revenue beat(8)5
Avg Revenue beat(8)-0.98%
Revenue beat(12)5
Avg Revenue beat(12)-4.24%
Revenue beat(16)7
Avg Revenue beat(16)-3.6%
PT rev (1m)2.86%
PT rev (3m)-11.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-176.35%
EPS NY rev (1m)15.15%
EPS NY rev (3m)15.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)2.94%
Revenue NY rev (3m)3.89%
Valuation
Industry RankSector Rank
PE 199.75
Fwd PE 6.87
P/S 1.4
P/FCF 4.54
P/OCF 4.3
P/B 0.43
P/tB 0.44
EV/EBITDA N/A
EPS(TTM)0.04
EY0.5%
EPS(NY)1.16
Fwd EY14.55%
FCF(TTM)1.76
FCFY22.02%
OCF(TTM)1.86
OCFY23.25%
SpS5.71
BVpS18.44
TBVpS18.14
PEG (NY)0.07
PEG (5Y)N/A
Graham Number4.07
Profitability
Industry RankSector Rank
ROA 0.03%
ROE 0.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.87%
GM N/A
FCFM 30.83%
ROA(3y)0.26%
ROA(5y)0.63%
ROE(3y)3.2%
ROE(5y)7.41%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.42
Debt/EBITDA N/A
Cap/Depr 109.05%
Cap/Sales 1.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 3550.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.72%
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)-96.72%
EPS 3Y-75.1%
EPS 5Y-46.93%
EPS Q2Q%-34.78%
EPS Next Y2807%
EPS Next 2Y491.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.99%
Revenue growth 3Y-4.19%
Revenue growth 5Y1.81%
Sales Q2Q%13.12%
Revenue Next Year7.29%
Revenue Next 2Y6.71%
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 1Y-49.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-47.12%
OCF growth 3YN/A
OCF growth 5YN/A

BCB BANCORP INC / BCBP FAQ

What is the ChartMill fundamental rating of BCB BANCORP INC (BCBP) stock?

ChartMill assigns a fundamental rating of 3 / 10 to BCBP.


Can you provide the valuation status for BCB BANCORP INC?

ChartMill assigns a valuation rating of 6 / 10 to BCB BANCORP INC (BCBP). This can be considered as Fairly Valued.


What is the profitability of BCBP stock?

BCB BANCORP INC (BCBP) has a profitability rating of 2 / 10.


What is the valuation of BCB BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BCB BANCORP INC (BCBP) is 199.75 and the Price/Book (PB) ratio is 0.43.


What is the earnings growth outlook for BCB BANCORP INC?

The Earnings per Share (EPS) of BCB BANCORP INC (BCBP) is expected to grow by 2807% in the next year.