BCB BANCORP INC (BCBP) Stock Fundamental Analysis
USA - NASDAQ:BCBP - US0552981039 - Common Stock
7.53 USD
0 (0%)
Overall BCBP gets a fundamental rating of 3 out of 10. We evaluated BCBP against 388 industry peers in the Banks industry. Both the profitability and financial health of BCBP have multiple concerns. BCBP is not valued too expensively and it also shows a decent growth rate. Finally BCBP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BCBP was profitable.
In the past year BCBP had a positive cash flow from operations.
In the past 5 years BCBP has always been profitable.
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.
BCBP's Return On Equity of 1.03% is on the low side compared to the rest of the industry. BCBP is outperformed by 89.43% of its industry peers.
| 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
BCBP has a Profit Margin of 3.32%. This is amonst the worse of the industry: BCBP underperforms 89.18% 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) | 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.
The number of shares outstanding for BCBP remains at a similar level compared to 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 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.
BCBP's Debt to FCF ratio of 0.66 is fine compared to the rest of the industry. BCBP outperforms 79.38% of its industry peers.
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
BCBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -91.04%.
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.
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
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
Based on the Price/Earnings ratio of 62.75, the valuation of BCBP can be described as expensive.
86.86% 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 25.07. BCBP is valued rather expensively when compared to this.
A Price/Forward Earnings ratio of 7.47 indicates a rather cheap valuation of BCBP.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaply inside the industry as 86.60% of the companies are valued more expensively.
BCBP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.08.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 62.75 | ||
| Fwd PE | 7.47 |
4.2 Price Multiples
BCBP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BCBP is cheaper than 98.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)380.89
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.
BCBP's Dividend Yield is rather good when compared to the industry average which is at 3.39. BCBP pays more dividend than 98.97% of the companies in the same industry.
BCBP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| 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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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%
NASDAQ:BCBP (11/20/2025, 4:30:02 PM)
7.53
0 (0%)
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 Cap129.44M
Revenue(TTM)98.56M
Net Income(TTM)3.26M
Analysts80
Price Target10.37 (37.72%)
Short Float %1.42%
Short Ratio3
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 | 62.75 | ||
| Fwd PE | 7.47 | ||
| P/S | 1.32 | ||
| P/FCF | 1.98 | ||
| P/OCF | 1.93 | ||
| P/B | 0.41 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.12
EY1.59%
EPS(NY)1.01
Fwd EY13.38%
FCF(TTM)3.81
FCFY50.6%
OCF(TTM)3.9
OCFY51.76%
SpS5.72
BVpS18.32
TBVpS18.02
PEG (NY)N/A
PEG (5Y)380.89
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%.