7.98 USD
-0.09 (-1.12%)
7.98 USD
0 (0%)
BCBP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 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
BCBP had positive earnings in the past year.
In the past year BCBP had a positive cash flow from operations.
In the past 5 years BCBP has always been profitable.
Each year in the past 5 years BCBP had a positive operating cash flow.
1.2 Ratios
The Return On Assets of BCBP (0.03%) is worse than 89.18% of its industry peers.
BCBP has a worse Return On Equity (0.27%) than 89.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.03% | ||
| ROE | 0.27% | ||
| 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
The Profit Margin of BCBP (0.87%) is worse than 89.18% of its industry peers.
BCBP's Profit Margin has declined in the last couple of years.
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) | 0.87% | ||
| 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.
BCBP has less shares outstanding than it did 5 years ago.
BCBP has a worse debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 1.42, BCBP is in line with its industry, outperforming 57.22% of the companies in the same industry.
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 58.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.42 | ||
| 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
The earnings per share for BCBP have decreased strongly by -91.04% in the last year.
Measured over the past 5 years, BCBP shows a small growth in Earnings Per Share. The EPS has been growing by 0.16% on average per year.
The Revenue has decreased by -0.42% in the past 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)-91.04%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-31.25%
Revenue 1Y (TTM)-0.42%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%1.09%
3.2 Future
BCBP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.99% yearly.
BCBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.47% yearly.
EPS Next Y-96.1%
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
EPS Next 5YN/A
Revenue Next Year2.93%
Revenue Next 2Y3.24%
Revenue Next 3Y4.47%
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.
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
The Price/Earnings ratio is 66.50, which means the current valuation is very expensive for BCBP.
Based on the Price/Earnings ratio, BCBP is valued expensively inside the industry as 86.86% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of BCBP to the average of the S&P500 Index (26.60), we can say BCBP is valued expensively.
BCBP is valuated cheaply with a Price/Forward Earnings ratio of 7.92.
BCBP's Price/Forward Earnings ratio is rather cheap when compared to the industry. BCBP is cheaper than 87.63% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, BCBP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.5 | ||
| Fwd PE | 7.92 |
4.2 Price Multiples
92.78% of the companies in the same industry are more expensive than BCBP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)403.65
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
5. Dividend
5.1 Amount
BCBP has a Yearly Dividend Yield of 7.74%, which is a nice return.
Compared to an average industry Dividend Yield of 2.74, BCBP pays a better dividend. On top of this BCBP pays more dividend than 98.45% of the companies listed in the same industry.
BCBP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.74% |
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
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 slower than its dividend. This means the dividend growth is not sustainable.
DP1430.84%
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
7.98
-0.09 (-1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners39.5%
Inst Owner Change0.17%
Ins Owners8.96%
Ins Owner Change0%
Market Cap137.50M
Revenue(TTM)98.56M
Net Income(TTM)856.00K
Analysts80
Price Target10.37 (29.95%)
Short Float %1.98%
Short Ratio3.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.74% |
Yearly Dividend0.72
Dividend Growth(5Y)3.63%
DP1430.84%
Div Incr Years0
Div Non Decr Years17
Ex-DateN/A
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)0%
PT rev (3m)1.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-26.73%
EPS NY rev (1m)0%
EPS NY rev (3m)-61.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.5 | ||
| Fwd PE | 7.92 | ||
| P/S | 1.4 | ||
| P/FCF | 4.52 | ||
| P/OCF | 4.29 | ||
| P/B | 0.43 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.12
EY1.5%
EPS(NY)1.01
Fwd EY12.63%
FCF(TTM)1.76
FCFY22.1%
OCF(TTM)1.86
OCFY23.33%
SpS5.72
BVpS18.48
TBVpS18.18
PEG (NY)N/A
PEG (5Y)403.65
Graham Number7.06
Profitability
| Industry Rank | Sector 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)0.83%
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
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 3Y-17.24%
PM growth 5Y-4.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector 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-Score7
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)-91.04%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-31.25%
EPS Next Y-96.1%
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.42%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%1.09%
Revenue Next Year2.93%
Revenue Next 2Y3.24%
Revenue Next 3Y4.47%
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-20.03%
FCF growth 3Y13.4%
FCF growth 5Y24.99%
OCF growth 1Y-24.7%
OCF growth 3Y13.85%
OCF growth 5Y22.75%
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 4 / 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 66.5 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 decline by -96.1% in the next year.