7.95 USD
-0.07 (-0.87%)
Taking everything into account, BCBP scores 3 out of 10 in our fundamental rating. BCBP was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of BCBP have multiple concerns. BCBP has a correct valuation and a medium growth rate. Finally 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.
In the past 5 years BCBP has always been profitable.
BCBP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BCBP's Return On Assets of 0.03% is on the low side compared to the rest of the industry. BCBP is outperformed by 89.41% of its industry peers.
BCBP has a Return On Equity of 0.27%. This is amonst the worse of the industry: BCBP underperforms 89.41% 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
BCBP has a worse Profit Margin (0.87%) than 89.41% of its industry peers.
BCBP's Profit Margin has declined in the last couple of years.
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) | 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.
The number of shares outstanding for BCBP has been increased compared to 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.
BCBP has a Debt to FCF ratio of 1.42. This is comparable to the rest of the industry: BCBP outperforms 57.11% 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.
Looking at the Debt to Equity ratio, with a value of 0.14, BCBP is in line with its industry, outperforming 58.91% 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
BCBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -91.04%.
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
Based on estimates for the next years, BCBP will show a small growth in Earnings Per Share. The EPS will grow by 1.99% on average per year.
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
Based on the Price/Earnings ratio of 66.25, the valuation of BCBP can be described as expensive.
BCBP's Price/Earnings ratio is rather expensive when compared to the industry. BCBP is more expensive than 87.08% of the companies in the same industry.
BCBP's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.17.
Based on the Price/Forward Earnings ratio of 7.89, the valuation of BCBP can be described as very cheap.
88.89% of the companies in the same industry are more expensive than BCBP, based on the Price/Forward Earnings ratio.
BCBP is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.25 | ||
| Fwd PE | 7.89 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCBP indicates a rather cheap valuation: BCBP is cheaper than 92.76% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.51 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)402.14
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
5. Dividend
5.1 Amount
BCBP has a Yearly Dividend Yield of 7.93%, which is a nice return.
BCBP's Dividend Yield is rather good when compared to the industry average which is at 2.78. BCBP pays more dividend than 98.71% of the companies in the same industry.
BCBP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.93% |
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%
NASDAQ:BCBP (1/7/2026, 2:15:56 PM)
7.95
-0.07 (-0.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners39.5%
Inst Owner Change0%
Ins Owners8.96%
Ins Owner Change0%
Market Cap136.98M
Revenue(TTM)98.56M
Net Income(TTM)856.00K
Analysts80
Price Target10.37 (30.44%)
Short Float %1.98%
Short Ratio3.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.93% |
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 | 66.25 | ||
| Fwd PE | 7.89 | ||
| P/S | 1.39 | ||
| P/FCF | 4.51 | ||
| P/OCF | 4.27 | ||
| P/B | 0.43 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.12
EY1.51%
EPS(NY)1.01
Fwd EY12.68%
FCF(TTM)1.76
FCFY22.19%
OCF(TTM)1.86
OCFY23.42%
SpS5.72
BVpS18.48
TBVpS18.18
PEG (NY)N/A
PEG (5Y)402.14
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 66.25 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.