Claim 50% Off TipRanks Premium
- Unlock hedge fund-level data and powerful investing tools for smarter, sharper decisions
- Stay ahead of the market with the latest news and analysis and maximize your portfolio's potential
An announcement from BCB Bancorp ( (BCBP) ) is now available.
On January 30, 2026, BCB Bancorp reported a net loss of $12.0 million for the fourth quarter of 2025, reversing a profit of $4.3 million in the prior quarter and $3.3 million a year earlier, as results were hit by a $15.1 million pre-tax write-down on an isolated cannabis-related real estate owned property and $16.3 million in additional net charge-offs, mainly in its commercial and industrial loan portfolio. The loss drove annualized returns on average assets and equity to negative 1.44% and 15.0%, respectively, and pushed the fourth-quarter efficiency ratio to 120.0%, even as net interest margin improved to 3.03% on a lower cost of interest-bearing liabilities and a largely stable asset yield. Over 2025 the company shrank its balance sheet by 8.9% to $3.28 billion, reducing loans by 10.2%, cutting higher-cost brokered deposits and FHLB advances, and modestly increasing its investment portfolio as part of a strategic effort to bolster capital ratios and improve asset quality; non-accrual loans fell sequentially to $63.3 million, while the allowance for credit losses stood at 1.24% of gross loans and 53.3% of non-accruals. Despite the pressure on earnings and a $19.6 million decline in shareholders’ equity, the board maintained a regular quarterly cash dividend, albeit at a reduced level of $0.08 per share payable on February 26, 2026, signaling a recalibrated but ongoing commitment to shareholder returns while prioritizing prudent capital and balance-sheet management.
The most recent analyst rating on (BCBP) stock is a Hold with a $8.00 price target. To see the full list of analyst forecasts on BCB Bancorp stock, see the BCBP Stock Forecast page.
Spark’s Take on BCBP Stock
According to Spark, TipRanks’ AI Analyst, BCBP is a Neutral.
The score is held back primarily by mixed financial performance (declining revenue and free cash flow growth with low profitability) and recent negative credit/charge-off disclosures. Technical indicators are neutral-to-weak with limited momentum. A high dividend yield helps, but the very high P/E keeps valuation from scoring well.
To see Spark’s full report on BCBP stock, click here.
More about BCB Bancorp
BCB Bancorp, Inc., headquartered in Bayonne, New Jersey, is the holding company for BCB Community Bank, a community-focused financial institution that provides commercial and consumer banking services, including commercial real estate, multi-family, construction and business loans, as well as a range of deposit products such as transaction, savings, money market and certificate of deposit accounts. The bank’s franchise is funded through a mix of retail and brokered deposits and complemented by Federal Home Loan Bank advances, with a focus on balance-sheet discipline, asset quality, and capital and liquidity management.
Average Trading Volume: 86,020
Technical Sentiment Signal: Sell
Current Market Cap: $131.6M
See more insights into BCBP stock on TipRanks’ Stock Analysis page.