BCB BANCORP INC (BCBP) Stock Fundamental Analysis
USA - NASDAQ:BCBP - US0552981039 - Common Stock
8.38 USD
+0.17 (+2.07%)
8.38 USD
0 (0%)
BCBP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. BCBP may be in some trouble as it scores bad on both profitability and health. BCBP has a decent growth rate and is not valued too expensively. Finally 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.
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
With a Return On Assets value of 0.10%, BCBP is not doing good in the industry: 87.95% of the companies in the same industry are doing better.
BCBP's Return On Equity of 1.03% is on the low side compared to the rest of the industry. BCBP is outperformed by 87.95% 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)9.91%
ROE(5y)9.93%
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 87.69% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 3.32% | ||
| 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
The Debt to FCF ratio of BCBP is 0.66, which is an excellent value as it means it would take BCBP, only 0.66 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.66, BCBP is doing good in the industry, outperforming 79.49% of the companies in the same industry.
A Debt/Equity ratio of 0.14 indicates that BCBP is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.14, BCBP is doing good in the industry, outperforming 61.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 0.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.7%
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 -84.40%.
The Earnings Per Share has been growing slightly by 0.16% on average over the past years.
BCBP shows a decrease in Revenue. In the last year, the revenue decreased by -1.62%.
The Revenue has been growing slightly by 1.53% on average over the past years.
EPS 1Y (TTM)-84.4%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-48.57%
Revenue 1Y (TTM)-1.62%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-1.18%
3.2 Future
BCBP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.44% yearly.
BCBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.92% yearly.
EPS Next Y-91.05%
EPS Next 2Y-0.02%
EPS Next 3Y5.44%
EPS Next 5YN/A
Revenue Next Year3.14%
Revenue Next 2Y4.92%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 38.09 indicates a quite expensive valuation of BCBP.
Based on the Price/Earnings ratio, BCBP is valued more expensive than 85.90% of the companies in the same industry.
BCBP's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.08.
Based on the Price/Forward Earnings ratio of 6.87, the valuation of BCBP can be described as very cheap.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaper than 92.82% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, BCBP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.09 | ||
| Fwd PE | 6.87 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BCBP is valued cheaply inside the industry as 98.46% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)231.21
EPS Next 2Y-0.02%
EPS Next 3Y5.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.12%, BCBP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.50, BCBP pays a better dividend. On top of this BCBP pays more dividend than 97.95% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.30, BCBP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.12% |
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 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
5.3 Sustainability
BCBP pays out 382.82% of its income as dividend. This is not a sustainable payout ratio.
The dividend of BCBP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP382.82%
EPS Next 2Y-0.02%
EPS Next 3Y5.44%
8.38
+0.17 (+2.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.03%
Inst Owner Change-0.15%
Ins Owners8.98%
Ins Owner Change0.5%
Market Cap144.05M
Revenue(TTM)98.28M
Net Income(TTM)3.27M
Analysts78
Price Target10.26 (22.43%)
Short Float %1.77%
Short Ratio4.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.12% |
Yearly Dividend0.72
Dividend Growth(5Y)3.63%
DP382.82%
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)0%
PT rev (3m)-1.23%
EPS NQ rev (1m)-1.92%
EPS NQ rev (3m)-1.92%
EPS NY rev (1m)-10.83%
EPS NY rev (3m)-22.18%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)0.91%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.09 | ||
| Fwd PE | 6.87 | ||
| P/S | 1.47 | ||
| P/FCF | 2.21 | ||
| P/OCF | 2.16 | ||
| P/B | 0.46 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.22
EY2.63%
EPS(NY)1.22
Fwd EY14.55%
FCF(TTM)3.79
FCFY45.24%
OCF(TTM)3.88
OCFY46.27%
SpS5.72
BVpS18.37
TBVpS18.06
PEG (NY)N/A
PEG (5Y)231.21
Graham Number9.54
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 | 66.31% |
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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 0.66 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 94.12% | ||
| Cap/Sales | 1.51% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1995.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.7%
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)-84.4%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-48.57%
EPS Next Y-91.05%
EPS Next 2Y-0.02%
EPS Next 3Y5.44%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.62%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-1.18%
Revenue Next Year3.14%
Revenue Next 2Y4.92%
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 1Y57.79%
FCF growth 3Y13.4%
FCF growth 5Y24.99%
OCF growth 1Y45.85%
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 3 / 10.
How sustainable is the dividend of BCB BANCORP INC (BCBP) stock?
The dividend rating of BCB BANCORP INC (BCBP) is 8 / 10 and the dividend payout ratio is 382.82%.