BCB BANCORP INC (BCBP) Fundamental Analysis & Valuation

NASDAQ:BCBP • US0552981039

Current stock price

9.44 USD
+0.1 (+1.07%)
At close:
9.49 USD
+0.05 (+0.53%)
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.
  • In the past year BCBP had a positive cash flow from operations.
  • Of the past 5 years BCBP 4 years were profitable.
  • BCBP had a positive operating cash flow in each of the past 5 years.
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

  • BCBP's Return On Assets of -0.44% is on the low side compared to the rest of the industry. BCBP is outperformed by 93.42% of its industry peers.
  • BCBP has a Return On Equity of -4.75%. This is amonst the worse of the industry: BCBP underperforms 93.42% of its industry peers.
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

  • BCBP does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • BCBP has more shares outstanding than it did 1 year ago.
  • BCBP has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, BCBP has a worse debt to assets ratio.
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

  • The Debt to FCF ratio of BCBP is 1.24, which is an excellent value as it means it would take BCBP, only 1.24 years of fcf income to pay off all of its debts.
  • BCBP has a Debt to FCF ratio of 1.24. This is in the better half of the industry: BCBP outperforms 61.32% of its industry peers.
  • 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 (0.14) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACCN/A
WACC14.22%
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%.
  • The earnings per share for BCBP have been decreasing by -46.93% on average. This is quite bad
  • The Revenue has been growing slightly by 6.99% in the past year.
  • Measured over the past years, BCBP shows a small growth in Revenue. The Revenue has been growing by 1.81% on average per year.
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

  • BCBP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 491.81% yearly.
  • BCBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.71% yearly.
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

  • 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.
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

  • A Price/Earnings ratio of 236.00 indicates a quite expensive valuation of BCBP.
  • BCBP's Price/Earnings ratio is rather expensive when compared to the industry. BCBP is more expensive than 90.26% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, BCBP is valued quite expensively.
  • BCBP is valuated reasonably with a Price/Forward Earnings ratio of 8.12.
  • 90.53% of the companies in the same industry are more expensive than BCBP, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.10, BCBP is valued rather cheaply.
Industry RankSector Rank
PE 236
Fwd PE 8.12
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

  • BCBP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BCBP is cheaper than 92.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.7
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)0.08
PEG (5Y)N/A
EPS Next 2Y491.81%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BCBP Dividend Analysis

5.1 Amount

  • BCBP has a Yearly Dividend Yield of 3.70%.
  • Compared to an average industry Dividend Yield of 2.73, BCBP pays a bit more dividend than its industry peers.
  • BCBP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.7%

5.2 History

  • The dividend of BCBP has a limited annual growth rate of 3.80%.
  • 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)3.8%
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.
  • BCBP's earnings are growing more than its dividend. This makes the dividend growth 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

More info and screens

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BCBP Fundamentals: All Metrics, Ratios and Statistics

BCB BANCORP INC

NASDAQ:BCBP (4/7/2026, 6:57:11 PM)

After market: 9.49 +0.05 (+0.53%)

9.44

+0.1 (+1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-16
Inst Owners40.46%
Inst Owner Change0%
Ins Owners9.19%
Ins Owner Change1.62%
Market Cap163.88M
Revenue(TTM)101.60M
Net Income(TTM)-14.46M
Analysts45.71
Price Target9.18 (-2.75%)
Short Float %3.62%
Short Ratio5.58
Dividend
Industry RankSector Rank
Dividend Yield 3.7%
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 236
Fwd PE 8.12
P/S 1.61
P/FCF 4.7
P/OCF 4.56
P/B 0.54
P/tB 0.55
EV/EBITDA N/A
EPS(TTM)0.04
EY0.42%
EPS(NY)1.16
Fwd EY12.32%
FCF(TTM)2.01
FCFY21.28%
OCF(TTM)2.07
OCFY21.92%
SpS5.85
BVpS17.53
TBVpS17.23
PEG (NY)0.08
PEG (5Y)N/A
Graham Number3.97
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
WACC14.22%
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 236 and the Price/Book (PB) ratio is 0.54.


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%.