BCB BANCORP INC (BCBP) Fundamental Analysis & Valuation

NASDAQ:BCBP • US0552981039

Current stock price

9.34 USD
+0.32 (+3.55%)
At close:
9.34 USD
0 (0%)
After Hours:

This BCBP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BCBP Profitability Analysis

1.1 Basic Checks

  • In the past year BCBP was profitable.
  • In the past year BCBP had a positive cash flow from operations.
  • BCBP had positive earnings in 4 of the past 5 years.
  • In the past 5 years BCBP always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • BCBP has a worse Return On Assets (-0.44%) than 93.42% of its industry peers.
  • With a Return On Equity value of -4.75%, BCBP is not doing good in the industry: 93.42% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.44%
ROE -4.75%
ROIC N/A
ROA(3y)0.26%
ROA(5y)0.63%
ROE(3y)3.2%
ROE(5y)7.41%
ROIC(3y)N/A
ROIC(5y)N/A
BCBP Yearly ROA, ROE, ROICBCBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • BCBP does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BCBP Yearly Profit, Operating, Gross MarginsBCBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

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2

2. BCBP Health Analysis

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
  • BCBP has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, BCBP has a worse debt to assets ratio.
BCBP Yearly Shares OutstandingBCBP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
BCBP Yearly Total Debt VS Total AssetsBCBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • BCBP has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 1.24, BCBP is doing good in the industry, outperforming 61.32% of the companies in the same industry.
  • A Debt/Equity ratio of 0.14 indicates that BCBP is not too dependend on debt financing.
  • BCBP has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: BCBP outperforms 55.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACCN/A
WACC14.24%
BCBP Yearly LT Debt VS Equity VS FCFBCBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. BCBP Growth Analysis

3.1 Past

  • BCBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -96.72%.
  • BCBP shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -46.93% yearly.
  • BCBP shows a small growth in Revenue. In the last year, the Revenue has grown by 6.99%.
  • BCBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.81% yearly.
EPS 1Y (TTM)-96.72%
EPS 3Y-75.1%
EPS 5Y-46.93%
EPS Q2Q%-34.78%
Revenue 1Y (TTM)6.99%
Revenue growth 3Y-4.19%
Revenue growth 5Y1.81%
Sales Q2Q%13.12%

3.2 Future

  • The Earnings Per Share is expected to grow by 491.81% on average over the next years. This is a very strong growth
  • BCBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.71% yearly.
EPS Next Y2807%
EPS Next 2Y491.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.29%
Revenue Next 2Y6.71%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 0 0.5 1 1.5 2 2.5

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6

4. BCBP Valuation Analysis

4.1 Price/Earnings Ratio

  • BCBP is valuated quite expensively with a Price/Earnings ratio of 233.50.
  • Compared to the rest of the industry, the Price/Earnings ratio of BCBP indicates a rather expensive valuation: BCBP more expensive than 90.26% of the companies listed in the same industry.
  • BCBP's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.21.
  • A Price/Forward Earnings ratio of 8.03 indicates a reasonable 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 91.58% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of BCBP to the average of the S&P500 Index (23.13), we can say BCBP is valued rather cheaply.
Industry RankSector Rank
PE 233.5
Fwd PE 8.03
BCBP Price Earnings VS Forward Price EarningsBCBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

  • 93.16% of the companies in the same industry are more expensive than BCBP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.65
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BCBP's earnings are expected to grow with 491.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y491.81%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BCBP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.70%, BCBP has a reasonable but not impressive dividend return.
  • BCBP's Dividend Yield is a higher than the industry average which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.89, BCBP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.7%

5.2 History

  • The dividend of BCBP has a limited annual growth rate of 3.80%.
  • 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)3.8%
Div Incr Years0
Div Non Decr Years18
BCBP Yearly Dividends per shareBCBP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • BCBP has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The dividend of BCBP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-86.84%
EPS Next 2Y491.81%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

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BCBP Fundamentals: All Metrics, Ratios and Statistics

BCB BANCORP INC

NASDAQ:BCBP (4/6/2026, 8:22:17 PM)

After market: 9.34 0 (0%)

9.34

+0.32 (+3.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-16
Inst Owners40.46%
Inst Owner Change0%
Ins Owners9.19%
Ins Owner Change1.62%
Market Cap162.14M
Revenue(TTM)101.60M
Net Income(TTM)-14.46M
Analysts45.71
Price Target9.18 (-1.71%)
Short Float %3.62%
Short Ratio5.58
Dividend
Industry RankSector Rank
Dividend Yield 3.7%
Yearly Dividend0.73
Dividend Growth(5Y)3.8%
DP-86.84%
Div Incr Years0
Div Non Decr Years18
Ex-Date02-11
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)108.45%
Min EPS beat(2)1.1%
Max EPS beat(2)215.79%
EPS beat(4)2
Avg EPS beat(4)-26.81%
Min EPS beat(4)-323.54%
Max EPS beat(4)215.79%
EPS beat(8)3
Avg EPS beat(8)-15.81%
EPS beat(12)3
Avg EPS beat(12)-16.69%
EPS beat(16)6
Avg EPS beat(16)-11.74%
Revenue beat(2)2
Avg Revenue beat(2)0.67%
Min Revenue beat(2)0.57%
Max Revenue beat(2)0.76%
Revenue beat(4)3
Avg Revenue beat(4)-0.27%
Min Revenue beat(4)-3.9%
Max Revenue beat(4)1.48%
Revenue beat(8)5
Avg Revenue beat(8)-1%
Revenue beat(12)6
Avg Revenue beat(12)-3.35%
Revenue beat(16)7
Avg Revenue beat(16)-3.8%
PT rev (1m)0%
PT rev (3m)-11.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.16%
EPS NY rev (1m)0%
EPS NY rev (3m)15.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.89%
Valuation
Industry RankSector Rank
PE 233.5
Fwd PE 8.03
P/S 1.6
P/FCF 4.65
P/OCF 4.51
P/B 0.53
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)0.04
EY0.43%
EPS(NY)1.16
Fwd EY12.45%
FCF(TTM)2.01
FCFY21.51%
OCF(TTM)2.07
OCFY22.15%
SpS5.85
BVpS17.53
TBVpS17.23
PEG (NY)0.08
PEG (5Y)N/A
Graham Number3.97
Profitability
Industry RankSector Rank
ROA -0.44%
ROE -4.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 34.32%
ROA(3y)0.26%
ROA(5y)0.63%
ROE(3y)3.2%
ROE(5y)7.41%
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.24
Debt/EBITDA N/A
Cap/Depr 67.12%
Cap/Sales 1.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.24%
ROIC/WACCN/A
Cap/Depr(3y)122.5%
Cap/Depr(5y)80.04%
Cap/Sales(3y)2.17%
Cap/Sales(5y)1.44%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-96.72%
EPS 3Y-75.1%
EPS 5Y-46.93%
EPS Q2Q%-34.78%
EPS Next Y2807%
EPS Next 2Y491.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.99%
Revenue growth 3Y-4.19%
Revenue growth 5Y1.81%
Sales Q2Q%13.12%
Revenue Next Year7.29%
Revenue Next 2Y6.71%
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 1Y-47.56%
FCF growth 3Y-4.79%
FCF growth 5Y-24.04%
OCF growth 1Y-46.96%
OCF growth 3Y-4.24%
OCF growth 5Y-23.74%

BCB BANCORP INC / BCBP Fundamental Analysis 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 6 / 10 to BCB BANCORP INC (BCBP). This can be considered as Fairly Valued.


How profitable is BCB BANCORP INC (BCBP) stock?

BCB BANCORP INC (BCBP) has a profitability rating of 2 / 10.


What are the PE and PB ratios of BCB BANCORP INC (BCBP) stock?

The Price/Earnings (PE) ratio for BCB BANCORP INC (BCBP) is 233.5 and the Price/Book (PB) ratio is 0.53.


Can you provide the dividend sustainability for BCBP stock?

The dividend rating of BCB BANCORP INC (BCBP) is 6 / 10 and the dividend payout ratio is -86.84%.