BCB BANCORP INC (BCBP) Stock Fundamental Analysis
USA - NASDAQ:BCBP - US0552981039 - Common Stock
8.9 USD
+0.02 (+0.23%)
We assign a fundamental rating of 3 out of 10 to BCBP. BCBP was compared to 392 industry peers in the Banks industry. BCBP has a bad profitability rating. Also its financial health evaluation is rather negative. BCBP has a correct valuation and a medium growth rate. BCBP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BCBP was profitable.
BCBP had a positive operating cash flow in the past year.
In the past 5 years BCBP has always been profitable.
In the past 5 years BCBP always reported a positive cash flow from operatings.
1.2 Ratios
BCBP has a worse Return On Assets (0.10%) than 87.50% of its industry peers.
Looking at the Return On Equity, with a value of 1.03%, BCBP is doing worse than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.1% | ||
| ROE | 1.03% | ||
| 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
With a Profit Margin value of 3.32%, BCBP is not doing good in the industry: 87.50% of the companies in the same industry are doing better.
BCBP's Profit Margin has declined in the last couple of years.
BCBP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 3.32% | ||
| 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.
The number of shares outstanding for BCBP has been increased compared to 1 year ago.
BCBP has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BCBP is higher compared to a year ago.
2.2 Solvency
BCBP has a debt to FCF ratio of 0.66. This is a very positive value and a sign of high solvency as it would only need 0.66 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.66, BCBP belongs to the top of the industry, outperforming 80.10% of the companies in the same industry.
A Debt/Equity ratio of 0.14 indicates that BCBP is not too dependend on debt financing.
BCBP's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. BCBP outperforms 60.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 0.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BCBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -84.40%.
BCBP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.16% yearly.
BCBP shows a decrease in Revenue. In the last year, the revenue decreased by -1.62%.
BCBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.53% yearly.
EPS 1Y (TTM)-84.4%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-48.57%
Revenue 1Y (TTM)-1.62%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-1.18%
3.2 Future
The Earnings Per Share is expected to grow by 2.86% on average over the next years.
BCBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.94% yearly.
EPS Next Y-89.03%
EPS Next 2Y2.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.01%
Revenue Next 2Y4.94%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BCBP is valuated quite expensively with a Price/Earnings ratio of 40.45.
Compared to the rest of the industry, the Price/Earnings ratio of BCBP indicates a rather expensive valuation: BCBP more expensive than 86.22% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.41. BCBP is valued slightly more expensive when compared to this.
BCBP is valuated cheaply with a Price/Forward Earnings ratio of 6.89.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaper than 92.35% of the companies in the same industry.
BCBP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.45 | ||
| Fwd PE | 6.89 |
4.2 Price Multiples
BCBP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BCBP is cheaper than 98.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)245.56
EPS Next 2Y2.86%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BCBP has a Yearly Dividend Yield of 7.22%, which is a nice return.
BCBP's Dividend Yield is rather good when compared to the industry average which is at 3.73. BCBP pays more dividend than 95.92% of the companies in the same industry.
BCBP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.22% |
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
5.3 Sustainability
382.82% of the earnings are spent on dividend by BCBP. This is not a sustainable payout ratio.
The dividend of BCBP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP382.82%
EPS Next 2Y2.86%
EPS Next 3YN/A
NASDAQ:BCBP (9/19/2025, 9:47:07 AM)
8.9
+0.02 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners38.78%
Inst Owner Change2.7%
Ins Owners8.98%
Ins Owner Change0.5%
Market Cap152.99M
Analysts78
Price Target10.26 (15.28%)
Short Float %2.05%
Short Ratio4.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.22% |
Yearly Dividend0.72
Dividend Growth(5Y)3.63%
DP382.82%
Div Incr Years0
Div Non Decr Years17
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-162.06%
Min EPS beat(2)-323.54%
Max EPS beat(2)-0.58%
EPS beat(4)0
Avg EPS beat(4)-87.01%
Min EPS beat(4)-323.54%
Max EPS beat(4)-0.58%
EPS beat(8)1
Avg EPS beat(8)-46.87%
EPS beat(12)2
Avg EPS beat(12)-34.73%
EPS beat(16)6
Avg EPS beat(16)-23.83%
Revenue beat(2)1
Avg Revenue beat(2)-1.21%
Min Revenue beat(2)-3.9%
Max Revenue beat(2)1.48%
Revenue beat(4)2
Avg Revenue beat(4)-2.03%
Min Revenue beat(4)-7.97%
Max Revenue beat(4)2.25%
Revenue beat(8)4
Avg Revenue beat(8)-1.7%
Revenue beat(12)5
Avg Revenue beat(12)-4.16%
Revenue beat(16)6
Avg Revenue beat(16)-3.8%
PT rev (1m)0%
PT rev (3m)-4.73%
EPS NQ rev (1m)-1.14%
EPS NQ rev (3m)0%
EPS NY rev (1m)-4.55%
EPS NY rev (3m)-6.25%
Revenue NQ rev (1m)0.35%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)0.72%
Revenue NY rev (3m)0.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.45 | ||
| Fwd PE | 6.89 | ||
| P/S | 1.56 | ||
| P/FCF | 2.35 | ||
| P/OCF | 2.3 | ||
| P/B | 0.48 | ||
| P/tB | 0.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.22
EY2.47%
EPS(NY)1.29
Fwd EY14.5%
FCF(TTM)3.79
FCFY42.59%
OCF(TTM)3.88
OCFY43.57%
SpS5.72
BVpS18.37
TBVpS18.06
PEG (NY)N/A
PEG (5Y)245.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.1% | ||
| ROE | 1.03% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 3.32% | ||
| GM | N/A | ||
| FCFM | 66.31% |
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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 0.66 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 94.12% | ||
| Cap/Sales | 1.51% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1995.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.73%
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)-84.4%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-48.57%
EPS Next Y-89.03%
EPS Next 2Y2.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.62%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-1.18%
Revenue Next Year3.01%
Revenue Next 2Y4.94%
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 1Y57.79%
FCF growth 3Y13.4%
FCF growth 5Y24.99%
OCF growth 1Y45.85%
OCF growth 3Y13.85%
OCF growth 5Y22.75%