8.41 USD
-0.08 (-0.94%)
8.41 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to BCBP. BCBP was compared to 388 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. BCBP also has an excellent dividend rating.
1. Profitability
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 each of the past 5 years.
In the past 5 years BCBP always reported a positive cash flow from operatings.
1.2 Ratios
BCBP has a worse Return On Assets (0.03%) than 89.95% of its industry peers.
BCBP's Return On Equity of 0.27% is on the low side compared to the rest of the industry. BCBP is outperformed by 89.95% 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
Looking at the Profit Margin, with a value of 0.87%, BCBP is doing worse than 89.95% of the companies in the same industry.
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.
The number of shares outstanding for BCBP has been reduced compared to 5 years ago.
BCBP has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BCBP is 1.42, which is an excellent value as it means it would take BCBP, only 1.42 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.42, BCBP perfoms like the industry average, outperforming 56.96% 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 58.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.74%
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.
The Earnings Per Share has been growing slightly by 0.16% on average over the past years.
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
The Earnings Per Share is expected to grow by 1.99% on average over the next years.
Based on estimates for the next years, BCBP will show a small growth in Revenue. The Revenue will grow by 4.47% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
BCBP is valuated quite expensively with a Price/Earnings ratio of 70.08.
Based on the Price/Earnings ratio, BCBP is valued expensively inside the industry as 87.37% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of BCBP to the average of the S&P500 Index (26.39), we can say BCBP is valued expensively.
BCBP is valuated reasonably with a Price/Forward Earnings ratio of 8.35.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaply inside the industry as 86.86% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.84. BCBP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 70.08 | ||
| Fwd PE | 8.35 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BCBP is valued cheaply inside the industry as 92.78% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)425.4
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.54%, BCBP is a good candidate for dividend investing.
BCBP's Dividend Yield is rather good when compared to the industry average which is at 2.74. BCBP pays more dividend than 96.65% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, BCBP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.54% |
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
BCBP pays out 1430.84% of its income as dividend. 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%
8.41
-0.08 (-0.94%)
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 Cap144.90M
Revenue(TTM)98.56M
Net Income(TTM)856.00K
Analysts80
Price Target10.37 (23.31%)
Short Float %1.89%
Short Ratio3.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.54% |
Yearly Dividend0.72
Dividend Growth(5Y)3.63%
DP1430.84%
Div Incr Years0
Div Non Decr Years17
Ex-Date
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)-64.44%
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 | 70.08 | ||
| Fwd PE | 8.35 | ||
| P/S | 1.47 | ||
| P/FCF | 4.77 | ||
| P/OCF | 4.52 | ||
| P/B | 0.46 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.12
EY1.43%
EPS(NY)1.01
Fwd EY11.98%
FCF(TTM)1.76
FCFY20.97%
OCF(TTM)1.86
OCFY22.14%
SpS5.72
BVpS18.48
TBVpS18.18
PEG (NY)N/A
PEG (5Y)425.4
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
WACC14.74%
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.
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 2 / 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 1430.84%.