BCB BANCORP INC (BCBP) Fundamental Analysis & Valuation

NASDAQ:BCBP • US0552981039

Current stock price

10.3799 USD
+0.07 (+0.68%)
Last:

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.
  • BCBP had a positive operating cash flow in the past year.
  • BCBP had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years BCBP had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of -0.44%, BCBP is doing worse than 93.88% of the companies in the same industry.
  • With a Return On Equity value of -4.75%, BCBP is not doing good in the industry: 93.88% 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for BCBP has been increased compared to 1 year ago.
  • Compared to 5 years ago, BCBP has more shares outstanding
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 1.24, BCBP is in the better half of the industry, outperforming 60.11% 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 (0.14) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACCN/A
WACC14.12%
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

More info and screens

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

5

3. BCBP Growth Analysis

3.1 Past

  • BCBP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 107.69%, which is quite impressive.
  • 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)107.69%
EPS 3Y-75.1%
EPS 5Y-46.93%
EPS Q2Q%150.98%
Revenue 1Y (TTM)6.99%
Revenue growth 3Y-4.19%
Revenue growth 5Y1.81%
Sales Q2Q%4.8%

3.2 Future

  • BCBP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 491.81% yearly.
  • 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

  • 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 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

More info and screens

Find the best growth stocksShow best growing peers

7

4. BCBP Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.81, BCBP is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of BCBP is on the same level as its industry peers.
  • BCBP is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 7.41, 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 90.69% of the companies in the same industry.
  • BCBP is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.81
Fwd PE 7.41
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCBP indicates a rather cheap valuation: BCBP is cheaper than 92.29% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.17
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
PEG (5Y)N/A
EPS Next 2Y491.81%
EPS Next 3YN/A

More info and screens

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

6

5. BCBP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.10%, BCBP has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.55, BCBP pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, BCBP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.1%

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.
  • BCBP's earnings are growing more than its dividend. This makes the dividend growth 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

More info and screens

Find the best dividend stocksShow peers with best dividend

BCBP Fundamentals: All Metrics, Ratios and Statistics

BCB BANCORP INC

NASDAQ:BCBP (4/30/2026, 11:57:40 AM)

10.3799

+0.07 (+0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength71.43
Industry Growth91.3
Earnings (Last)04-21
Earnings (Next)07-27
Inst Owners40.45%
Inst Owner Change-0.15%
Ins Owners9.27%
Ins Owner Change1.77%
Market Cap180.20M
Revenue(TTM)101.60M
Net Income(TTM)-14.46M
Analysts45.71
Price Target11.05 (6.46%)
Short Float %2.91%
Short Ratio4.75
Dividend
Industry RankSector Rank
Dividend Yield 3.1%
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)2.44%
EPS NQ rev (3m)2.27%
EPS NY rev (1m)0%
EPS NY rev (3m)15.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.27%
Valuation
Industry RankSector Rank
PE 12.81
Fwd PE 7.41
P/S 1.77
P/FCF 5.17
P/OCF 5.02
P/B 0.59
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)0.81
EY7.8%
EPS(NY)1.4
Fwd EY13.5%
FCF(TTM)2.01
FCFY19.35%
OCF(TTM)2.07
OCFY19.93%
SpS5.85
BVpS17.53
TBVpS17.23
PEG (NY)0
PEG (5Y)N/A
Graham Number17.873 (72.19%)
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
WACC14.12%
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)107.69%
EPS 3Y-75.1%
EPS 5Y-46.93%
EPS Q2Q%150.98%
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%4.8%
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 4 / 10 to BCBP.


Can you provide the valuation status for BCB BANCORP INC?

ChartMill assigns a valuation rating of 7 / 10 to BCB BANCORP INC (BCBP). This can be considered as Undervalued.


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 12.81 and the Price/Book (PB) ratio is 0.59.


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%.