8.035 USD
+0.15 (+1.84%)
Last: Feb 2, 2026, 09:52 AM
We assign a fundamental rating of 3 out of 10 to BCBP. BCBP was compared to 383 industry peers in the Banks industry. BCBP may be in some trouble as it scores bad on both profitability and health. BCBP has a valuation in line with the averages, but on the other hand it scores bad on growth. BCBP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- BCBP had negative earnings in the past year.
- In the past year BCBP had a positive cash flow from operations.
- BCBP had positive earnings in 4 of the past 5 years.
- BCBP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 0.03%, BCBP is not doing good in the industry: 89.30% of the companies in the same industry are doing better.
- BCBP's Return On Equity of 0.27% is on the low side compared to the rest of the industry. BCBP is outperformed by 89.30% 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's Profit Margin of 0.87% is on the low side compared to the rest of the industry. BCBP is outperformed by 89.30% 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) | 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.
- There is no outstanding debt for BCBP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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.
- Looking at the Debt to FCF ratio, with a value of 1.42, BCBP is in line with its industry, outperforming 57.44% of the companies in the same industry.
- BCBP has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
- BCBP's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. BCBP outperforms 59.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.74%
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 -168.85%.
EPS 1Y (TTM)-168.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-417.39%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.13%
3.2 Future
- Based on estimates for the next years, BCBP will show a very strong growth in Earnings Per Share. The EPS will grow by 88.17% on average per year.
- Based on estimates for the next years, BCBP will show a small growth in Revenue. The Revenue will grow by 5.27% on average per year.
EPS Next Y219.97%
EPS Next 2Y88.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.91%
Revenue Next 2Y5.27%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for BCBP. In the last year negative earnings were reported.
- With a Price/Forward Earnings ratio of 7.97, the valuation of BCBP can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of BCBP indicates a rather cheap valuation: BCBP is cheaper than 91.91% of the companies listed in the same industry.
- BCBP is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 7.97 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BCBP is valued cheaply inside the industry as 93.47% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.56 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as BCBP's earnings are expected to grow with 88.17% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y88.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BCBP has a Yearly Dividend Yield of 8.11%, which is a nice return.
- BCBP's Dividend Yield is rather good when compared to the industry average which is at 2.67. BCBP pays more dividend than 99.74% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, BCBP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.11% |
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
- 1430.84% of the earnings are spent on dividend by BCBP. This is not a sustainable payout ratio.
- The dividend of BCBP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP1430.84%
EPS Next 2Y88.17%
EPS Next 3YN/A
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 6 / 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 1 / 10.
What is the earnings growth outlook for BCB BANCORP INC?
The Earnings per Share (EPS) of BCB BANCORP INC (BCBP) is expected to grow by 219.97% in the next year.