7.67 USD
-0.19 (-2.42%)
7.67 USD
0 (0%)
Taking everything into account, BCBP scores 3 out of 10 in our fundamental rating. 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 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.
- In the past year BCBP had a positive cash flow from operations.
- Each year in the past 5 years BCBP has been profitable.
- Each year in the past 5 years BCBP had a positive operating cash flow.
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 has a worse Return On Equity (0.27%) than 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 has a worse Profit Margin (0.87%) than 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.
- Compared to 1 year ago, BCBP has more shares outstanding
- 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 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's Debt to FCF ratio of 1.42 is in line compared to the rest of the industry. BCBP outperforms 57.44% of 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 59.27% 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
WACC14.73%
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 -91.04%.
- The Earnings Per Share has been growing slightly by 0.16% on average over the past years.
- BCBP shows a decrease in Revenue. In the last year, the revenue decreased by -0.42%.
- BCBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.53% yearly.
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.
- Based on estimates for the next years, BCBP will show a small growth in Revenue. The Revenue will grow by 4.58% on average per year.
EPS Next Y-96.1%
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
EPS Next 5YN/A
Revenue Next Year3.2%
Revenue Next 2Y2.56%
Revenue Next 3Y4.58%
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 63.92 indicates a quite expensive valuation of BCBP.
- 86.95% of the companies in the same industry are cheaper than BCBP, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.25, BCBP is valued quite expensively.
- With a Price/Forward Earnings ratio of 7.61, the valuation of BCBP can be described as very cheap.
- BCBP's Price/Forward Earnings ratio is rather cheap when compared to the industry. BCBP is cheaper than 91.64% of the companies in the same industry.
- BCBP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.92 | ||
| Fwd PE | 7.61 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BCBP is valued cheaply inside the industry as 93.21% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)387.97
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 8.02%, BCBP is a good candidate for dividend investing.
- BCBP's Dividend Yield is rather good when compared to the industry average which is at 2.64. BCBP pays more dividend than 99.22% of the companies in the same industry.
- BCBP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.02% |
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
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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP1430.84%
EPS Next 2Y-9.11%
EPS Next 3Y1.99%
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 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.
What is the valuation of BCB BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BCB BANCORP INC (BCBP) is 63.92 and the Price/Book (PB) ratio is 0.41.
What is the earnings growth outlook for BCB BANCORP INC?
The Earnings per Share (EPS) of BCB BANCORP INC (BCBP) is expected to decline by -96.1% in the next year.