8 USD
-0.06 (-0.74%)
8 USD
0 (0%)
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 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.
Each year in the past 5 years BCBP had a positive operating cash flow.
1.2 Ratios
BCBP has a Return On Assets of 0.03%. This is amonst the worse of the industry: BCBP underperforms 89.92% of its industry peers.
BCBP has a worse Return On Equity (0.27%) than 89.92% 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
The Profit Margin of BCBP (0.87%) is worse than 89.92% of its industry peers.
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.
Compared to 1 year ago, BCBP has a worse debt to assets ratio.
2.2 Solvency
BCBP has a debt to FCF ratio of 1.42. This is a very positive value and a sign of high solvency as it would only need 1.42 years to pay back of all of its debts.
BCBP has a Debt to FCF ratio (1.42) which is comparable to the rest of the 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 (0.14) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.42 | ||
| 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
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.
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.
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
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 66.67.
87.08% of the companies in the same industry are cheaper than BCBP, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.15. BCBP is valued rather expensively when compared to this.
BCBP is valuated cheaply with a Price/Forward Earnings ratio of 7.94.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaply inside the industry as 85.53% of the companies are valued more expensively.
BCBP is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.67 | ||
| Fwd PE | 7.94 |
4.2 Price Multiples
BCBP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BCBP is cheaper than 92.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)404.66
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
5. Dividend
5.1 Amount
BCBP has a Yearly Dividend Yield of 8.50%, which is a nice return.
Compared to an average industry Dividend Yield of 3.33, BCBP pays a better dividend. On top of this BCBP pays more dividend than 99.48% of the companies listed in the same industry.
BCBP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.5% |
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
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%
8
-0.06 (-0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.03%
Inst Owner Change0.16%
Ins Owners8.98%
Ins Owner Change0.5%
Market Cap137.52M
Revenue(TTM)98.56M
Net Income(TTM)856.00K
Analysts80
Price Target10.37 (29.62%)
Short Float %1.42%
Short Ratio3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.5% |
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)1.04%
PT rev (3m)1.04%
EPS NQ rev (1m)-24.85%
EPS NQ rev (3m)-29.07%
EPS NY rev (1m)-56.38%
EPS NY rev (3m)-64.44%
Revenue NQ rev (1m)-1.97%
Revenue NQ rev (3m)-2.2%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)0.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.67 | ||
| Fwd PE | 7.94 | ||
| P/S | 1.4 | ||
| P/FCF | 4.53 | ||
| P/OCF | 4.29 | ||
| P/B | 0.43 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.12
EY1.5%
EPS(NY)1.01
Fwd EY12.6%
FCF(TTM)1.77
FCFY22.1%
OCF(TTM)1.87
OCFY23.33%
SpS5.73
BVpS18.53
TBVpS18.22
PEG (NY)N/A
PEG (5Y)404.66
Graham Number7.07
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
WACC14.69%
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%.