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BCB BANCORP INC (BCBP) Stock Fundamental Analysis

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

8.09  -0.08 (-0.98%)

After market: 8.09 0 (0%)

Fundamental Rating

4

Overall BCBP gets a fundamental rating of 4 out of 10. We evaluated BCBP against 395 industry peers in the Banks industry. Both the profitability and financial health of BCBP have multiple concerns. BCBP is not valued too expensively and it also shows a decent growth rate. 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.
Each year in the past 5 years BCBP has been profitable.
BCBP had a positive operating cash flow in each of the past 5 years.
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 88.10% of the companies in the same industry.
With a Return On Equity value of 0.81%, BCBP is not doing good in the industry: 88.10% of the companies in the same industry are doing better.
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

BCBP's Profit Margin of 2.73% is on the low side compared to the rest of the industry. BCBP is outperformed by 87.59% of its industry peers.
BCBP's Profit Margin has declined in the last couple of years.
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) 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.
Compared to 1 year ago, BCBP has more shares outstanding
The number of shares outstanding for BCBP has been reduced compared to 5 years ago.
BCBP has a worse debt/assets ratio than last year.
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.
BCBP's Debt to FCF ratio of 0.68 is fine compared to the rest of the industry. BCBP outperforms 79.24% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that BCBP is not too dependend on debt financing.
BCBP's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. BCBP outperforms 61.01% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC14.79%
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

BCBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.00%.
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%.
Measured over the past years, BCBP shows a small growth in Revenue. The Revenue has been growing by 1.53% on average per year.
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.
Based on estimates for the next years, BCBP will show a small growth in Revenue. The Revenue will grow by 6.56% on average per year.
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

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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 20.74 indicates a rather expensive valuation of BCBP.
Compared to the rest of the industry, the Price/Earnings ratio of BCBP indicates a rather expensive valuation: BCBP more expensive than 80.76% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BCBP to the average of the S&P500 Index (26.17), we can say BCBP is valued slightly cheaper.
The Price/Forward Earnings ratio is 5.77, which indicates a rather cheap valuation of BCBP.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaper than 94.68% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BCBP to the average of the S&P500 Index (22.10), we can say BCBP is valued rather cheaply.
Industry RankSector Rank
PE 20.74
Fwd PE 5.77
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCBP indicates a rather cheap valuation: BCBP is cheaper than 98.99% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.2
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)125.91
EPS Next 2Y7.25%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.86%, BCBP is a good candidate for dividend investing.
The stock price of BCBP dropped by -20.14% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.45, BCBP pays a better dividend. On top of this BCBP pays more dividend than 97.97% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, BCBP pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.86%

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

485.51% of the earnings are spent on dividend by BCBP. This is not a sustainable payout ratio.
BCBP's earnings are growing more than its dividend. This makes the dividend growth 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 (5/28/2025, 8:20:25 PM)

After market: 8.09 0 (0%)

8.09

-0.08 (-0.98%)

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 Owners39.4%
Inst Owner Change-0.01%
Ins Owners11.97%
Ins Owner Change1.66%
Market Cap138.82M
Analysts78
Price Target10.77 (33.13%)
Short Float %0.92%
Short Ratio2.17
Dividend
Industry RankSector Rank
Dividend Yield 7.86%
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)-6.63%
PT rev (3m)-19.91%
EPS NQ rev (1m)-33.1%
EPS NQ rev (3m)-33.1%
EPS NY rev (1m)-87.9%
EPS NY rev (3m)-87.9%
Revenue NQ rev (1m)-4.14%
Revenue NQ rev (3m)-4.14%
Revenue NY rev (1m)-2.23%
Revenue NY rev (3m)-3.46%
Valuation
Industry RankSector Rank
PE 20.74
Fwd PE 5.77
P/S 1.48
P/FCF 2.2
P/OCF 2.15
P/B 0.44
P/tB 0.45
EV/EBITDA N/A
EPS(TTM)0.39
EY4.82%
EPS(NY)1.4
Fwd EY17.35%
FCF(TTM)3.68
FCFY45.44%
OCF(TTM)3.76
OCFY46.42%
SpS5.45
BVpS18.34
TBVpS18.03
PEG (NY)N/A
PEG (5Y)125.91
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
WACC14.79%
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%