BCB BANCORP INC (BCBP) Stock Fundamental Analysis
USA - NASDAQ:BCBP - US0552981039 - Common Stock
7.45 USD
-0.24 (-3.12%)
7.45 USD
0 (0%)
Taking everything into account, BCBP scores 3 out of 10 in our fundamental rating. BCBP was compared to 388 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.
BCBP had positive earnings in each of the past 5 years.
Each year in the past 5 years BCBP had a positive operating cash flow.
1.2 Ratios
The Return On Assets of BCBP (0.10%) is worse than 89.43% of its industry peers.
Looking at the Return On Equity, with a value of 1.03%, BCBP is doing worse than 89.43% 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)9.95%
ROE(5y)9.96%
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: 89.18% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 3.32% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.9%
PM growth 5Y-4.37%
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.
Compared to 1 year ago, BCBP has about the same amount of shares outstanding.
BCBP has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BCBP has a worse debt to assets ratio.
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 is in the better half of the industry, outperforming 79.38% 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 in line compared to the rest of the industry. BCBP outperforms 58.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 0.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.69%
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.
BCBP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.16% yearly.
The Revenue has decreased by -0.42% in the past year.
BCBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.53% yearly.
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
The Earnings Per Share is expected to grow by 1.99% 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 4.47% 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.
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 62.08.
Based on the Price/Earnings ratio, BCBP is valued more expensive than 86.86% of the companies in the same industry.
When comparing the Price/Earnings ratio of BCBP to the average of the S&P500 Index (25.89), we can say BCBP is valued expensively.
Based on the Price/Forward Earnings ratio of 7.39, the valuation of BCBP can be described as very cheap.
BCBP's Price/Forward Earnings ratio is rather cheap when compared to the industry. BCBP is cheaper than 86.60% of the companies in the same industry.
BCBP is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 62.08 | ||
| Fwd PE | 7.39 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BCBP is valued cheaper than 98.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.96 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)376.84
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
5. Dividend
5.1 Amount
BCBP has a Yearly Dividend Yield of 8.33%, which is a nice return.
Compared to an average industry Dividend Yield of 3.39, BCBP pays a better dividend. On top of this BCBP pays more dividend than 98.97% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, BCBP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.33% |
5.2 History
The dividend of BCBP has a limited annual growth rate of 3.14%.
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)3.14%
Div Incr Years0
Div Non Decr Years17
5.3 Sustainability
BCBP pays out 375.15% of its income as dividend. 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.
DP375.15%
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
7.45
-0.24 (-3.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.03%
Inst Owner Change0.19%
Ins Owners8.98%
Ins Owner Change0.66%
Market Cap128.07M
Revenue(TTM)98.56M
Net Income(TTM)3.26M
Analysts80
Price Target10.37 (39.19%)
Short Float %1.77%
Short Ratio4.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.33% |
Yearly Dividend0.71
Dividend Growth(5Y)3.14%
DP375.15%
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)1.04%
PT rev (3m)1.04%
EPS NQ rev (1m)-1.92%
EPS NQ rev (3m)-3.03%
EPS NY rev (1m)-61.11%
EPS NY rev (3m)-66.06%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)0.5%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 62.08 | ||
| Fwd PE | 7.39 | ||
| P/S | 1.3 | ||
| P/FCF | 1.96 | ||
| P/OCF | 1.91 | ||
| P/B | 0.41 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.12
EY1.61%
EPS(NY)1.01
Fwd EY13.53%
FCF(TTM)3.81
FCFY51.15%
OCF(TTM)3.9
OCFY52.32%
SpS5.72
BVpS18.32
TBVpS18.02
PEG (NY)N/A
PEG (5Y)376.84
Graham Number7.03
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 | 66.65% |
ROA(3y)0.83%
ROA(5y)0.86%
ROE(3y)9.95%
ROE(5y)9.96%
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-16.9%
PM growth 5Y-4.37%
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 | 95.54% | ||
| Cap/Sales | 1.53% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 2009.2% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.69%
ROIC/WACCN/A
Cap/Depr(3y)107.82%
Cap/Depr(5y)76.02%
Cap/Sales(3y)1.97%
Cap/Sales(5y)1.54%
Profit Quality(3y)196%
Profit Quality(5y)285.87%
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 1Y58.6%
FCF growth 3Y13.55%
FCF growth 5Y25.09%
OCF growth 1Y46.61%
OCF growth 3Y14%
OCF growth 5Y22.85%
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.
What is the valuation status for BCBP stock?
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.
Can you provide the financial health for BCBP stock?
The financial health rating of BCB BANCORP INC (BCBP) is 3 / 10.
How sustainable is the dividend of BCB BANCORP INC (BCBP) stock?
The dividend rating of BCB BANCORP INC (BCBP) is 7 / 10 and the dividend payout ratio is 375.15%.