BCB BANCORP INC (BCBP)

US0552981039 - Common Stock

10.45  +0.13 (+1.26%)

After market: 10.45 0 (0%)

Fundamental Rating

4

Taking everything into account, BCBP scores 4 out of 10 in our fundamental rating. BCBP was compared to 415 industry peers in the Banks industry. BCBP has a bad profitability rating. Also its financial health evaluation is rather negative. BCBP has a valuation in line with the averages, but on the other hand it scores bad on growth. BCBP also has an excellent dividend rating.



3

1. Profitability

1.1 Basic Checks

BCBP had positive earnings in the past year.
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

Looking at the Return On Assets, with a value of 0.75%, BCBP is doing worse than 63.86% of the companies in the same industry.
BCBP's Return On Equity of 9.16% is in line compared to the rest of the industry. BCBP outperforms 46.27% of its industry peers.
Industry RankSector Rank
ROA 0.75%
ROE 9.16%
ROIC N/A
ROA(3y)1.04%
ROA(5y)0.9%
ROE(3y)12.21%
ROE(5y)10.54%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

BCBP has a Profit Margin of 26.61%. This is in the better half of the industry: BCBP outperforms 63.13% of its industry peers.
BCBP's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BCBP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.61%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.05%
PM growth 5Y7.62%
GM growth 3YN/A
GM growth 5YN/A

3

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 about the same amout of shares outstanding than it did 1 year ago.
BCBP has more shares outstanding than it did 5 years ago.
The debt/assets ratio for BCBP has been reduced compared to a year ago.

2.2 Solvency

BCBP has a debt to FCF ratio of 1.23. This is a very positive value and a sign of high solvency as it would only need 1.23 years to pay back of all of its debts.
BCBP has a better Debt to FCF ratio (1.23) than 71.08% of its industry peers.
BCBP has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.12, BCBP is doing good in the industry, outperforming 72.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.23
Altman-Z N/A
ROIC/WACCN/A
WACC13.46%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

3

3. Growth

3.1 Past

The earnings per share for BCBP have decreased strongly by -34.36% in the last year.
BCBP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.30% yearly.
Looking at the last year, BCBP shows a decrease in Revenue. The Revenue has decreased by -6.39% in the last year.
The Revenue has been growing slightly by 4.76% on average over the past years.
EPS 1Y (TTM)-34.36%
EPS 3Y21.41%
EPS 5Y9.3%
EPS growth Q2Q-49.28%
Revenue 1Y (TTM)-6.39%
Revenue growth 3Y5.2%
Revenue growth 5Y4.76%
Revenue growth Q2Q-13.09%

3.2 Future

The Earnings Per Share is expected to grow by 1.98% on average over the next years.
Based on estimates for the next years, BCBP will show a small growth in Revenue. The Revenue will grow by 2.32% on average per year.
EPS Next Y-16.38%
EPS Next 2Y1.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.67%
Revenue Next 2Y2.32%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.

6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 6.15 indicates a rather cheap valuation of BCBP.
Based on the Price/Earnings ratio, BCBP is valued cheaply inside the industry as 91.57% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of BCBP to the average of the S&P500 Index (26.48), we can say BCBP is valued rather cheaply.
BCBP is valuated cheaply with a Price/Forward Earnings ratio of 7.35.
Based on the Price/Forward Earnings ratio, BCBP is valued cheaply inside the industry as 91.08% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of BCBP to the average of the S&P500 Index (22.79), we can say BCBP is valued rather cheaply.
Industry RankSector Rank
PE 6.15
Fwd PE 7.35

4.2 Price Multiples

82.89% 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 5.79
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.66
EPS Next 2Y1.98%
EPS Next 3YN/A

9

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.13%, BCBP is a good candidate for dividend investing.
BCBP's Dividend Yield is rather good when compared to the industry average which is at 3.70. BCBP pays more dividend than 92.05% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, BCBP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.13%

5.2 History

The dividend of BCBP has a limited annual growth rate of 1.62%.
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)1.62%
Div Incr Years0
Div Non Decr Years17

5.3 Sustainability

38.71% of the earnings are spent on dividend by BCBP. This is a low number and sustainable payout ratio.
The dividend of BCBP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP38.71%
EPS Next 2Y1.98%
EPS Next 3YN/A

BCB BANCORP INC

NASDAQ:BCBP (3/28/2024, 8:00:01 PM)

After market: 10.45 0 (0%)

10.45

+0.13 (+1.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap177.23M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 6.13%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 6.15
Fwd PE 7.35
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.66
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 9.16%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 26.61%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-34.36%
EPS 3Y21.41%
EPS 5Y
EPS growth Q2Q
EPS Next Y-16.38%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-6.39%
Revenue growth 3Y5.2%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y