BCB BANCORP INC (BCBP) Stock Fundamental Analysis
USA - NASDAQ:BCBP - US0552981039 - Common Stock
7.98 USD
-0.09 (-1.12%)
7.98 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to BCBP. BCBP was compared to 391 industry peers in the Banks industry. BCBP may be in some trouble as it scores bad on both profitability and health. BCBP is not valued too expensively and it also shows a decent 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.
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
BCBP has a Return On Assets of 0.10%. This is amonst the worse of the industry: BCBP underperforms 87.98% of its industry peers.
Looking at the Return On Equity, with a value of 1.03%, BCBP is doing worse than 87.98% 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
Looking at the Profit Margin, with a value of 3.32%, BCBP is doing worse than 87.72% of the companies in the same industry.
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 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.
Compared to 1 year ago, BCBP has more shares outstanding
Compared to 5 years ago, BCBP has less shares outstanding
Compared to 1 year ago, BCBP has a worse debt to assets ratio.
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 79.54% 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.
The Debt to Equity ratio of BCBP (0.14) is better than 60.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 0.66 | ||
| 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
BCBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -84.40%.
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.
Looking at the last year, BCBP shows a decrease in Revenue. The Revenue has decreased by -1.62% in the last year.
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)-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
The Earnings Per Share is expected to grow by 5.44% on average over the next years.
BCBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.92% yearly.
EPS Next Y-91.05%
EPS Next 2Y-0.02%
EPS Next 3Y5.44%
EPS Next 5YN/A
Revenue Next Year3.14%
Revenue Next 2Y4.92%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 36.27, BCBP can be considered very expensive at the moment.
Based on the Price/Earnings ratio, BCBP is valued expensively inside the industry as 85.93% of the companies are valued cheaper.
BCBP is valuated rather expensively when we compare the Price/Earnings ratio to 27.57, which is the current average of the S&P500 Index.
BCBP is valuated cheaply with a Price/Forward Earnings ratio of 6.54.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaper than 92.33% 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 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.27 | ||
| Fwd PE | 6.54 |
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 98.98% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)220.17
EPS Next 2Y-0.02%
EPS Next 3Y5.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.93%, BCBP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.55, BCBP pays a better dividend. On top of this BCBP pays more dividend than 97.19% 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.93% |
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 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.
The dividend of BCBP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP382.82%
EPS Next 2Y-0.02%
EPS Next 3Y5.44%
7.98
-0.09 (-1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.03%
Inst Owner Change-0.16%
Ins Owners8.98%
Ins Owner Change0.5%
Market Cap137.18M
Revenue(TTM)98.28M
Net Income(TTM)3.27M
Analysts78
Price Target10.26 (28.57%)
Short Float %1.95%
Short Ratio4.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.93% |
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)0%
PT rev (3m)-1.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-8.57%
EPS NY rev (3m)-12.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.27 | ||
| Fwd PE | 6.54 | ||
| P/S | 1.4 | ||
| P/FCF | 2.11 | ||
| P/OCF | 2.06 | ||
| P/B | 0.43 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.22
EY2.76%
EPS(NY)1.22
Fwd EY15.28%
FCF(TTM)3.79
FCFY47.51%
OCF(TTM)3.88
OCFY48.59%
SpS5.72
BVpS18.37
TBVpS18.06
PEG (NY)N/A
PEG (5Y)220.17
Graham Number9.54
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
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-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
WACC14.69%
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)-84.4%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-48.57%
EPS Next Y-91.05%
EPS Next 2Y-0.02%
EPS Next 3Y5.44%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.62%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-1.18%
Revenue Next Year3.14%
Revenue Next 2Y4.92%
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%