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BCB BANCORP INC (BCBP) Stock Fundamental Analysis

NASDAQ:BCBP - Nasdaq - US0552981039 - Common Stock - Currency: USD

8.79  +0.07 (+0.8%)

After market: 8.79 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BCBP. BCBP was compared to 398 industry peers in the Banks industry. BCBP may be in some trouble as it scores bad on both profitability and health. BCBP scores decently on growth, while it is valued quite cheap. This could make an interesting combination. BCBP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
BCBP had positive earnings in each of the past 5 years.
BCBP had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

With a Return On Assets value of 0.47%, BCBP is not doing good in the industry: 76.63% of the companies in the same industry are doing better.
BCBP has a Return On Equity of 5.18%. This is in the lower half of the industry: BCBP underperforms 75.38% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 5.18%
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
BCBP Yearly ROA, ROE, ROICBCBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of BCBP (17.68%) is worse than 68.34% of its industry peers.
BCBP's Profit Margin has declined 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) 17.68%
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
BCBP Yearly Profit, Operating, Gross MarginsBCBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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
BCBP has less 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
BCBP Yearly Total Debt VS Total AssetsBCBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of BCBP is 0.65, which is an excellent value as it means it would take BCBP, only 0.65 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.65, BCBP belongs to the top of the industry, outperforming 80.65% of the companies in the same industry.
BCBP has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
BCBP has a Debt to Equity ratio of 0.13. This is in the better half of the industry: BCBP outperforms 64.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.65
Altman-Z N/A
ROIC/WACCN/A
WACC14.71%
BCBP Yearly LT Debt VS Equity VS FCFBCBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5M 10M 15M 20M 25M

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4

3. Growth

3.1 Past

BCBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.24%.
BCBP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.16% yearly.
The Revenue for BCBP has decreased by -12.20% in the past year. This is quite bad
BCBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.53% yearly.
EPS 1Y (TTM)-28.24%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-34.29%
Revenue 1Y (TTM)-12.2%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-14.8%

3.2 Future

Based on estimates for the next years, BCBP will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.31% on average per year.
Based on estimates for the next years, BCBP will show a small growth in Revenue. The Revenue will grow by 7.46% on average per year.
EPS Next Y-3.24%
EPS Next 2Y16.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.73%
Revenue Next 2Y7.46%
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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 0.5 1 1.5 2 2.5

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7

4. Valuation

4.1 Price/Earnings Ratio

BCBP is valuated cheaply with a Price/Earnings ratio of 7.20.
Compared to the rest of the industry, the Price/Earnings ratio of BCBP indicates a rather cheap valuation: BCBP is cheaper than 93.97% of the companies listed in the same industry.
BCBP is valuated cheaply when we compare the Price/Earnings ratio to 28.92, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.45 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 85.93% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.65. BCBP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.2
Fwd PE 7.45
BCBP Price Earnings VS Forward Price EarningsBCBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BCBP is valued cheaply inside the industry as 98.74% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.27
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

BCBP's earnings are expected to grow with 16.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)43.73
EPS Next 2Y16.31%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

BCBP has a Yearly Dividend Yield of 7.34%, which is a nice return.
In the last 3 months the price of BCBP has falen by -23.83%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.63, BCBP pays a better dividend. On top of this BCBP pays more dividend than 96.48% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.51, BCBP pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.34%

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
BCBP Yearly Dividends per shareBCBP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

73.11% 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.
DP73.11%
EPS Next 2Y16.31%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BCBP Dividend Payout.BCBP Dividend Payout, showing the Payout Ratio.BCBP Dividend Payout.PayoutRetained Earnings

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BCB BANCORP INC

NASDAQ:BCBP (4/24/2025, 8:00:00 PM)

After market: 8.79 0 (0%)

8.79

+0.07 (+0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners39.4%
Inst Owner Change0.05%
Ins Owners11.97%
Ins Owner Change1.66%
Market Cap150.84M
Analysts78
Price Target11.54 (31.29%)
Short Float %0.65%
Short Ratio1.72
Dividend
Industry RankSector Rank
Dividend Yield 7.34%
Yearly Dividend0.72
Dividend Growth(5Y)3.63%
DP73.11%
Div Incr Years0
Div Non Decr Years17
Ex-Date02-07 2025-02-07 (0.16)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-11.97%
Min EPS beat(2)-21.36%
Max EPS beat(2)-2.57%
EPS beat(4)1
Avg EPS beat(4)-4.82%
Min EPS beat(4)-21.36%
Max EPS beat(4)13.62%
EPS beat(8)1
Avg EPS beat(8)-11.63%
EPS beat(12)4
Avg EPS beat(12)-6.71%
EPS beat(16)8
Avg EPS beat(16)-2.45%
Revenue beat(2)1
Avg Revenue beat(2)-2.86%
Min Revenue beat(2)-7.97%
Max Revenue beat(2)2.25%
Revenue beat(4)2
Avg Revenue beat(4)-1.73%
Min Revenue beat(4)-7.97%
Max Revenue beat(4)2.25%
Revenue beat(8)3
Avg Revenue beat(8)-4.88%
Revenue beat(12)4
Avg Revenue beat(12)-4.98%
Revenue beat(16)7
Avg Revenue beat(16)-3.25%
PT rev (1m)-2.84%
PT rev (3m)-10.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-24.94%
EPS NY rev (1m)0%
EPS NY rev (3m)-20.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.51%
Valuation
Industry RankSector Rank
PE 7.2
Fwd PE 7.45
P/S 1.59
P/FCF 2.27
P/OCF 2.23
P/B 0.47
P/tB 0.47
EV/EBITDA N/A
EPS(TTM)1.22
EY13.88%
EPS(NY)1.18
Fwd EY13.43%
FCF(TTM)3.88
FCFY44.09%
OCF(TTM)3.95
OCFY44.9%
SpS5.53
BVpS18.88
TBVpS18.57
PEG (NY)N/A
PEG (5Y)43.73
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 5.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.68%
GM N/A
FCFM 70.03%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.65
Debt/EBITDA N/A
Cap/Depr 71.51%
Cap/Sales 1.29%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 396.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.71%
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)-28.24%
EPS 3Y-14.03%
EPS 5Y0.16%
EPS Q2Q%-34.29%
EPS Next Y-3.24%
EPS Next 2Y16.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.2%
Revenue growth 3Y-3.63%
Revenue growth 5Y1.53%
Sales Q2Q%-14.8%
Revenue Next Year4.73%
Revenue Next 2Y7.46%
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 1Y117.11%
FCF growth 3Y13.4%
FCF growth 5Y24.99%
OCF growth 1Y92.64%
OCF growth 3Y13.85%
OCF growth 5Y22.75%