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BCB BANCORP INC (BCBP) Stock Fundamental Analysis

NASDAQ:BCBP - Nasdaq - US0552981039 - Common Stock - Currency: USD

8.46  -0.33 (-3.75%)

After market: 8.46 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BCBP. BCBP was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of BCBP have multiple concerns. BCBP is valued quite cheap, while showing a decent growth score. This is a good combination! BCBP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
Each year in the past 5 years BCBP has been profitable.
Each year in the past 5 years BCBP had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

BCBP's Return On Assets of 0.47% is on the low side compared to the rest of the industry. BCBP is outperformed by 76.63% of its industry peers.
With a Return On Equity value of 5.18%, BCBP is not doing good in the industry: 75.38% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.47%
ROE 5.18%
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
BCBP Yearly ROA, ROE, ROICBCBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

BCBP has a Profit Margin of 17.68%. This is in the lower half of the industry: BCBP underperforms 68.34% of its industry peers.
In the last couple of years the Profit Margin of BCBP has declined.
BCBP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.68%
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
BCBP Yearly Profit, Operating, Gross MarginsBCBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

BCBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BCBP has more shares outstanding
Compared to 5 years ago, BCBP has less shares outstanding
Compared to 1 year ago, BCBP has a worse debt to assets ratio.
BCBP Yearly Shares OutstandingBCBP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
BCBP Yearly Total Debt VS Total AssetsBCBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of BCBP is 0.65, which is an excellent value as it means it would take BCBP, only 0.65 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.65, BCBP belongs to the top of the industry, outperforming 80.65% of the companies in the same industry.
A Debt/Equity ratio of 0.13 indicates that BCBP is not too dependend on debt financing.
The Debt to Equity ratio of BCBP (0.13) is better than 64.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.65
Altman-Z N/A
ROIC/WACCN/A
WACC14.75%
BCBP Yearly LT Debt VS Equity VS FCFBCBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5M 10M 15M 20M 25M

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4

3. Growth

3.1 Past

The earnings per share for BCBP have decreased strongly by -28.24% in the last year.
The Earnings Per Share has been growing slightly by 0.16% on average over the past years.
BCBP shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.20%.
The Revenue has been growing slightly by 1.53% on average over the past years.
EPS 1Y (TTM)-28.24%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-34.29%
Revenue 1Y (TTM)-12.2%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-14.8%

3.2 Future

BCBP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.31% yearly.
BCBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.46% yearly.
EPS Next Y-3.24%
EPS Next 2Y16.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.73%
Revenue Next 2Y7.46%
Revenue Next 3YN/A
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.
BCBP Yearly Revenue VS EstimatesBCBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 0.5 1 1.5 2 2.5

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7

4. Valuation

4.1 Price/Earnings Ratio

BCBP is valuated cheaply with a Price/Earnings ratio of 6.93.
Based on the Price/Earnings ratio, BCBP is valued cheaper than 93.97% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.79. BCBP is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.17, the valuation of BCBP can be described as very cheap.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaper than 85.93% of the companies in the same industry.
BCBP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.38.
Industry RankSector Rank
PE 6.93
Fwd PE 7.17
BCBP Price Earnings VS Forward Price EarningsBCBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BCBP is valued cheaper than 98.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.18
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

A more expensive valuation may be justified as BCBP's earnings are expected to grow with 16.31% in the coming years.
PEG (NY)N/A
PEG (5Y)42.09
EPS Next 2Y16.31%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.34%, BCBP is a good candidate for dividend investing.
In the last 3 months the price of BCBP has falen by -26.69%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.58, BCBP pays a better dividend. On top of this BCBP pays more dividend than 96.48% 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 2.51.
Industry RankSector Rank
Dividend Yield 7.34%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.63%
Div Incr Years0
Div Non Decr Years17
BCBP Yearly Dividends per shareBCBP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

BCBP pays out 73.11% of its income as dividend. This is not a sustainable payout ratio.
BCBP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP73.11%
EPS Next 2Y16.31%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BCBP Dividend Payout.BCBP Dividend Payout, showing the Payout Ratio.BCBP Dividend Payout.PayoutRetained Earnings

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BCB BANCORP INC

NASDAQ:BCBP (4/25/2025, 8:00:01 PM)

After market: 8.46 0 (0%)

8.46

-0.33 (-3.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners39.4%
Inst Owner Change0.05%
Ins Owners11.97%
Ins Owner Change1.66%
Market Cap145.17M
Analysts78
Price Target11.54 (36.41%)
Short Float %0.78%
Short Ratio2.09
Dividend
Industry RankSector Rank
Dividend Yield 7.34%
Yearly Dividend0.72
Dividend Growth(5Y)3.63%
DP73.11%
Div Incr Years0
Div Non Decr Years17
Ex-Date02-07 2025-02-07 (0.16)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-11.97%
Min EPS beat(2)-21.36%
Max EPS beat(2)-2.57%
EPS beat(4)1
Avg EPS beat(4)-4.82%
Min EPS beat(4)-21.36%
Max EPS beat(4)13.62%
EPS beat(8)1
Avg EPS beat(8)-11.63%
EPS beat(12)4
Avg EPS beat(12)-6.71%
EPS beat(16)8
Avg EPS beat(16)-2.45%
Revenue beat(2)1
Avg Revenue beat(2)-2.86%
Min Revenue beat(2)-7.97%
Max Revenue beat(2)2.25%
Revenue beat(4)2
Avg Revenue beat(4)-1.73%
Min Revenue beat(4)-7.97%
Max Revenue beat(4)2.25%
Revenue beat(8)3
Avg Revenue beat(8)-4.88%
Revenue beat(12)4
Avg Revenue beat(12)-4.98%
Revenue beat(16)7
Avg Revenue beat(16)-3.25%
PT rev (1m)-2.84%
PT rev (3m)-10.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-24.94%
EPS NY rev (1m)0%
EPS NY rev (3m)-20.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.51%
Valuation
Industry RankSector Rank
PE 6.93
Fwd PE 7.17
P/S 1.53
P/FCF 2.18
P/OCF 2.14
P/B 0.45
P/tB 0.46
EV/EBITDA N/A
EPS(TTM)1.22
EY14.42%
EPS(NY)1.18
Fwd EY13.95%
FCF(TTM)3.88
FCFY45.81%
OCF(TTM)3.95
OCFY46.65%
SpS5.53
BVpS18.88
TBVpS18.57
PEG (NY)N/A
PEG (5Y)42.09
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 5.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.68%
GM N/A
FCFM 70.03%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.65
Debt/EBITDA N/A
Cap/Depr 71.51%
Cap/Sales 1.29%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 396.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.75%
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)-28.24%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-34.29%
EPS Next Y-3.24%
EPS Next 2Y16.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.2%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-14.8%
Revenue Next Year4.73%
Revenue Next 2Y7.46%
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 1Y117.11%
FCF growth 3Y13.4%
FCF growth 5Y24.99%
OCF growth 1Y92.64%
OCF growth 3Y13.85%
OCF growth 5Y22.75%