7.99 USD
-0.01 (-0.12%)
7.99 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to BCBP. BCBP was compared to 387 industry peers in the Banks industry. BCBP may be in some trouble as it scores bad on both profitability and health. BCBP has a correct valuation and a medium growth rate. Finally BCBP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BCBP had positive earnings in the past year.
In the past year BCBP had a positive cash flow from operations.
In the past 5 years BCBP has always been profitable.
In the past 5 years BCBP always reported a positive cash flow from operatings.
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.
The Return On Equity of BCBP (0.27%) is worse 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
Looking at the Profit Margin, with a value of 0.87%, BCBP is doing worse than 89.92% of the companies in the same industry.
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.
The number of shares outstanding for BCBP has been increased compared to 1 year ago.
Compared to 5 years ago, BCBP has less shares outstanding
BCBP has a worse debt/assets ratio than last year.
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 in line with its industry peers.
A Debt/Equity ratio of 0.14 indicates that BCBP is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.14, BCBP perfoms like the industry average, outperforming 58.40% of the companies in the same 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
The earnings per share for BCBP have decreased strongly by -91.04% in the last year.
BCBP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.16% yearly.
Looking at the last year, BCBP shows a decrease in Revenue. The Revenue has decreased by -0.42% in the last year.
The Revenue has been growing slightly by 1.53% on average over the past years.
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
BCBP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.99% yearly.
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.
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 66.58.
Compared to the rest of the industry, the Price/Earnings ratio of BCBP indicates a rather expensive valuation: BCBP more expensive than 87.08% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, BCBP is valued quite expensively.
With a Price/Forward Earnings ratio of 7.93, the valuation of BCBP can be described as very cheap.
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's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.58 | ||
| Fwd PE | 7.93 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BCBP is valued cheaper than 92.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)404.16
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 2.40.
| 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
BCBP pays out 1430.84% of its income as dividend. 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%
7.99
-0.01 (-0.12%)
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 Cap137.35M
Revenue(TTM)98.56M
Net Income(TTM)856.00K
Analysts80
Price Target10.37 (29.79%)
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 | 66.58 | ||
| Fwd PE | 7.93 | ||
| P/S | 1.39 | ||
| P/FCF | 4.52 | ||
| P/OCF | 4.28 | ||
| P/B | 0.43 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.12
EY1.5%
EPS(NY)1.01
Fwd EY12.61%
FCF(TTM)1.77
FCFY22.13%
OCF(TTM)1.87
OCFY23.35%
SpS5.73
BVpS18.53
TBVpS18.22
PEG (NY)N/A
PEG (5Y)404.16
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%.