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BCB BANCORP INC (BCBP) Stock Fundamental Analysis

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

9.06  +0.23 (+2.6%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BCBP. BCBP was compared to 395 industry peers in the Banks industry. BCBP has a bad profitability rating. Also its financial health evaluation is rather negative. BCBP has a decent growth rate and is not valued too expensively. Finally 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.
In the past year BCBP had a positive cash flow from operations.
BCBP had positive earnings in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 0.07%, BCBP is doing worse than 88.61% of the companies in the same industry.
BCBP has a Return On Equity of 0.81%. This is amonst the worse of the industry: BCBP underperforms 88.61% of its industry peers.
Industry RankSector Rank
ROA 0.07%
ROE 0.81%
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

With a Profit Margin value of 2.73%, BCBP is not doing good in the industry: 87.85% of the companies in the same industry are doing better.
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 RankSector Rank
OM N/A
PM (TTM) 2.73%
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.
BCBP has more shares outstanding than it did 1 year ago.
BCBP has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BCBP is higher compared to a year ago.
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

BCBP has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.68, BCBP belongs to the top of the industry, outperforming 80.25% 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.
Looking at the Debt to Equity ratio, with a value of 0.14, BCBP is in the better half of the industry, outperforming 60.76% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC14.77%
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 -75.00% in the last year.
Measured over the past 5 years, BCBP shows a small growth in Earnings Per Share. The EPS has been growing by 0.16% on average per year.
BCBP shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.10%.
BCBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.53% yearly.
EPS 1Y (TTM)-75%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-259.37%
Revenue 1Y (TTM)-13.1%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-5.77%

3.2 Future

BCBP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.25% yearly.
The Revenue is expected to grow by 6.56% on average over the next years.
EPS Next Y-88.3%
EPS Next 2Y7.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.39%
Revenue Next 2Y6.56%
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.
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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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 23.23, the valuation of BCBP can be described as rather expensive.
Based on the Price/Earnings ratio, BCBP is valued expensively inside the industry as 81.01% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of BCBP to the average of the S&P500 Index (27.21), we can say BCBP is valued inline with the index average.
A Price/Forward Earnings ratio of 6.46 indicates a rather cheap valuation of BCBP.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaper than 93.16% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.70. BCBP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 23.23
Fwd PE 6.46
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 cheaply inside the industry as 98.99% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.46
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

PEG (NY)N/A
PEG (5Y)141.01
EPS Next 2Y7.25%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

BCBP has a Yearly Dividend Yield of 7.67%, which is a nice return.
Compared to an average industry Dividend Yield of 3.47, BCBP pays a better dividend. On top of this BCBP pays more dividend than 96.96% 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 2.42.
Industry RankSector Rank
Dividend Yield 7.67%

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
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

485.51% 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.
DP485.51%
EPS Next 2Y7.25%
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 (7/2/2025, 3:48:07 PM)

9.06

+0.23 (+2.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners38.89%
Inst Owner Change0.08%
Ins Owners8.92%
Ins Owner Change2.48%
Market Cap155.47M
Analysts78
Price Target10.77 (18.87%)
Short Float %1.27%
Short Ratio2.36
Dividend
Industry RankSector Rank
Dividend Yield 7.67%
Yearly Dividend0.72
Dividend Growth(5Y)3.63%
DP485.51%
Div Incr Years0
Div Non Decr Years17
Ex-Date05-07 2025-05-07 (0.16)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-172.45%
Min EPS beat(2)-323.54%
Max EPS beat(2)-21.36%
EPS beat(4)1
Avg EPS beat(4)-83.46%
Min EPS beat(4)-323.54%
Max EPS beat(4)13.62%
EPS beat(8)1
Avg EPS beat(8)-48.05%
EPS beat(12)3
Avg EPS beat(12)-34.53%
EPS beat(16)7
Avg EPS beat(16)-23.36%
Revenue beat(2)0
Avg Revenue beat(2)-5.93%
Min Revenue beat(2)-7.97%
Max Revenue beat(2)-3.9%
Revenue beat(4)2
Avg Revenue beat(4)-2.18%
Min Revenue beat(4)-7.97%
Max Revenue beat(4)2.25%
Revenue beat(8)3
Avg Revenue beat(8)-2.6%
Revenue beat(12)4
Avg Revenue beat(12)-4.56%
Revenue beat(16)6
Avg Revenue beat(16)-3.68%
PT rev (1m)0%
PT rev (3m)-19.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-33.1%
EPS NY rev (1m)0%
EPS NY rev (3m)-87.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.46%
Valuation
Industry RankSector Rank
PE 23.23
Fwd PE 6.46
P/S 1.66
P/FCF 2.46
P/OCF 2.41
P/B 0.49
P/tB 0.5
EV/EBITDA N/A
EPS(TTM)0.39
EY4.3%
EPS(NY)1.4
Fwd EY15.49%
FCF(TTM)3.68
FCFY40.57%
OCF(TTM)3.76
OCFY41.45%
SpS5.45
BVpS18.34
TBVpS18.03
PEG (NY)N/A
PEG (5Y)141.01
Profitability
Industry RankSector Rank
ROA 0.07%
ROE 0.81%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.73%
GM N/A
FCFM 67.46%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.68
Debt/EBITDA N/A
Cap/Depr 83.56%
Cap/Sales 1.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 2470.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.77%
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)-75%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-259.37%
EPS Next Y-88.3%
EPS Next 2Y7.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.1%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-5.77%
Revenue Next Year2.39%
Revenue Next 2Y6.56%
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 1Y40.48%
FCF growth 3Y13.4%
FCF growth 5Y24.99%
OCF growth 1Y41.64%
OCF growth 3Y13.85%
OCF growth 5Y22.75%