BCB BANCORP INC (BCBP) Fundamental Analysis & Valuation

NASDAQ:BCBP • US0552981039

Current stock price

9.8 USD
+0.45 (+4.81%)
At close:
9.8 USD
0 (0%)
After Hours:

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

2

1. BCBP Profitability Analysis

1.1 Basic Checks

  • In the past year BCBP was profitable.
  • BCBP had a positive operating cash flow in the past year.
  • Of the past 5 years BCBP 4 years were profitable.
  • In the past 5 years BCBP always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of -0.44%, BCBP is doing worse than 93.88% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of -4.75%, BCBP is doing worse than 93.88% of the companies in the same industry.
Industry RankSector Rank
ROA -0.44%
ROE -4.75%
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

  • The Profit Margin and Operating Margin and Gross Margin are not available for BCBP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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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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.
  • Compared to 1 year ago, BCBP has more shares outstanding
  • 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 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.24, BCBP is in the better half of the industry, outperforming 60.90% of the companies in the same industry.
  • 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 Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: BCBP outperforms 55.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACCN/A
WACC14.23%
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%.
  • Measured over the past years, BCBP shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -46.93% on average per year.
  • BCBP shows a small growth in Revenue. In the last year, the Revenue has grown by 6.99%.
  • 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

  • The Earnings Per Share is expected to grow by 491.81% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, BCBP will show a small growth in Revenue. The Revenue will grow by 6.71% on average per year.
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.
  • 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 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

  • With a Price/Earnings ratio of 245.00, BCBP can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, BCBP is valued expensively inside the industry as 90.69% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 27.71. BCBP is valued rather expensively when compared to this.
  • BCBP is valuated reasonably with a Price/Forward Earnings ratio of 8.43.
  • Based on the Price/Forward Earnings ratio, BCBP is valued cheaper than 88.03% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.09, BCBP is valued rather cheaply.
Industry RankSector Rank
PE 245
Fwd PE 8.43
BCBP Price Earnings VS Forward Price EarningsBCBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

  • 92.82% 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 4.88
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

  • BCBP's 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)0.09
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

  • With a Yearly Dividend Yield of 3.27%, BCBP has a reasonable but not impressive dividend return.
  • BCBP's Dividend Yield is a higher than the industry average which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, BCBP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.27%

5.2 History

  • The dividend of BCBP has a limited annual growth rate of 3.80%.
  • 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)3.8%
Div Incr Years0
Div Non Decr Years18
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

  • BCBP has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The dividend of BCBP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-86.84%
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

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BCBP Fundamentals: All Metrics, Ratios and Statistics

BCB BANCORP INC

NASDAQ:BCBP (4/21/2026, 8:27:24 PM)

After market: 9.8 0 (0%)

9.8

+0.45 (+4.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20
Earnings (Next)07-27
Inst Owners40.45%
Inst Owner Change0.23%
Ins Owners9.27%
Ins Owner Change1.62%
Market Cap170.13M
Revenue(TTM)101.60M
Net Income(TTM)-14.46M
Analysts45.71
Price Target9.18 (-6.33%)
Short Float %3.48%
Short Ratio5.5
Dividend
Industry RankSector Rank
Dividend Yield 3.27%
Yearly Dividend0.73
Dividend Growth(5Y)3.8%
DP-86.84%
Div Incr Years0
Div Non Decr Years18
Ex-Date02-11
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)108.45%
Min EPS beat(2)1.1%
Max EPS beat(2)215.79%
EPS beat(4)2
Avg EPS beat(4)-26.81%
Min EPS beat(4)-323.54%
Max EPS beat(4)215.79%
EPS beat(8)3
Avg EPS beat(8)-15.81%
EPS beat(12)3
Avg EPS beat(12)-16.69%
EPS beat(16)6
Avg EPS beat(16)-11.74%
Revenue beat(2)2
Avg Revenue beat(2)0.67%
Min Revenue beat(2)0.57%
Max Revenue beat(2)0.76%
Revenue beat(4)3
Avg Revenue beat(4)-0.27%
Min Revenue beat(4)-3.9%
Max Revenue beat(4)1.48%
Revenue beat(8)5
Avg Revenue beat(8)-1%
Revenue beat(12)6
Avg Revenue beat(12)-3.35%
Revenue beat(16)7
Avg Revenue beat(16)-3.8%
PT rev (1m)0%
PT rev (3m)-11.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.16%
EPS NY rev (1m)0%
EPS NY rev (3m)15.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.89%
Valuation
Industry RankSector Rank
PE 245
Fwd PE 8.43
P/S 1.67
P/FCF 4.88
P/OCF 4.74
P/B 0.56
P/tB 0.57
EV/EBITDA N/A
EPS(TTM)0.04
EY0.41%
EPS(NY)1.16
Fwd EY11.87%
FCF(TTM)2.01
FCFY20.5%
OCF(TTM)2.07
OCFY21.11%
SpS5.85
BVpS17.53
TBVpS17.23
PEG (NY)0.09
PEG (5Y)N/A
Graham Number3.97179 (-59.47%)
Profitability
Industry RankSector Rank
ROA -0.44%
ROE -4.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 34.32%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.24
Debt/EBITDA N/A
Cap/Depr 67.12%
Cap/Sales 1.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.23%
ROIC/WACCN/A
Cap/Depr(3y)122.5%
Cap/Depr(5y)80.04%
Cap/Sales(3y)2.17%
Cap/Sales(5y)1.44%
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-47.56%
FCF growth 3Y-4.79%
FCF growth 5Y-24.04%
OCF growth 1Y-46.96%
OCF growth 3Y-4.24%
OCF growth 5Y-23.74%

BCB BANCORP INC / BCBP Fundamental Analysis 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.


How profitable is BCB BANCORP INC (BCBP) stock?

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


What are the PE and PB ratios of BCB BANCORP INC (BCBP) stock?

The Price/Earnings (PE) ratio for BCB BANCORP INC (BCBP) is 245 and the Price/Book (PB) ratio is 0.56.


Can you provide the dividend sustainability for BCBP stock?

The dividend rating of BCB BANCORP INC (BCBP) is 6 / 10 and the dividend payout ratio is -86.84%.