BCB BANCORP INC (BCBP) Stock Fundamental Analysis
NASDAQ:BCBP - US0552981039 - Common Stock
8.74 USD
-0.01 (-0.11%)
We assign a fundamental rating of 3 out of 10 to BCBP. BCBP was compared to 395 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
In the past year BCBP was profitable.
BCBP had a positive operating cash flow in the past year.
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.
1.2 Ratios
BCBP's Return On Assets of 0.10% is on the low side compared to the rest of the industry. BCBP is outperformed by 87.85% of its industry peers.
Looking at the Return On Equity, with a value of 1.03%, BCBP is doing worse than 87.85% of the companies in the same industry.
| 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
The Profit Margin of BCBP (3.32%) is worse than 87.85% of its industry peers.
In the last couple of years the Profit Margin of BCBP has declined.
The Operating Margin and Gross Margin are not available for BCBP so they could not be analyzed.
| 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.
Compared to 5 years ago, BCBP has less shares outstanding
The debt/assets ratio for BCBP is higher compared to a year ago.
2.2 Solvency
BCBP has a debt to FCF ratio of 0.66. This is a very positive value and a sign of high solvency as it would only need 0.66 years to pay back of all of its debts.
The Debt to FCF ratio of BCBP (0.66) is better than 80.25% of its industry peers.
BCBP has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.14, BCBP is doing good in the industry, outperforming 60.25% 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
WACC14.76%
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%.
BCBP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.16% yearly.
BCBP shows a decrease in Revenue. In the last year, the revenue decreased by -1.62%.
BCBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.53% yearly.
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 2.86% yearly.
The Revenue is expected to grow by 5.62% on average over the next years.
EPS Next Y-89.03%
EPS Next 2Y2.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.72%
Revenue Next 2Y5.62%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 39.73, which means the current valuation is very expensive for BCBP.
Based on the Price/Earnings ratio, BCBP is valued expensively inside the industry as 86.58% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 26.90, BCBP is valued a bit more expensive.
The Price/Forward Earnings ratio is 6.77, which indicates a rather cheap valuation of BCBP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BCBP indicates a rather cheap valuation: BCBP is cheaper than 92.15% of the companies listed in the same industry.
BCBP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.73 | ||
| Fwd PE | 6.77 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BCBP is valued cheaper than 98.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)241.14
EPS Next 2Y2.86%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.20%, BCBP is a good candidate for dividend investing.
BCBP's Dividend Yield is rather good when compared to the industry average which is at 3.17. BCBP pays more dividend than 97.72% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, BCBP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.2% |
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
382.82% of the earnings are spent on dividend by BCBP. This is not a sustainable payout ratio.
BCBP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP382.82%
EPS Next 2Y2.86%
EPS Next 3YN/A
NASDAQ:BCBP (9/3/2025, 2:54:56 PM)
8.74
-0.01 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners38.78%
Inst Owner Change2.7%
Ins Owners8.98%
Ins Owner Change0.5%
Market Cap150.24M
Analysts78
Price Target10.26 (17.39%)
Short Float %2.22%
Short Ratio4.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.2% |
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)-1.23%
PT rev (3m)-4.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-31.75%
EPS NY rev (1m)-4.55%
EPS NY rev (3m)-6.25%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)-3.8%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.73 | ||
| Fwd PE | 6.77 | ||
| P/S | 1.53 | ||
| P/FCF | 2.31 | ||
| P/OCF | 2.25 | ||
| P/B | 0.48 | ||
| P/tB | 0.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.22
EY2.52%
EPS(NY)1.29
Fwd EY14.77%
FCF(TTM)3.79
FCFY43.37%
OCF(TTM)3.88
OCFY44.36%
SpS5.72
BVpS18.37
TBVpS18.06
PEG (NY)N/A
PEG (5Y)241.14
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
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-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
WACC14.76%
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-89.03%
EPS Next 2Y2.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.62%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-1.18%
Revenue Next Year2.72%
Revenue Next 2Y5.62%
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%