Bcb Bancorp Inc. [Nj] (BCBP)
NASDAQ:BCBP
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BCB Bancorp
(NASDAQ:BCBP)
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Rating:55Neutral
Price Target:
$12.00
▲(28.07% Upside)
Action:Reiterated
Date:06/04/26
Overall score reflects mixed fundamentals: improved cash flow and reduced leverage help offset still-weak/volatile profitability and revenue softness. Technicals are supportive but look overextended, while valuation is a key drag due to the extremely high P/E despite an attractive dividend. Corporate events add cautious optimism due to new leadership and profitability returning, tempered by acknowledged credit/capital challenges.
Positive Factors
Improved leverage
Leverage moving from elevated levels to ~1.0x in 2025 and very low in the TTM materially reduces balance-sheet risk. That durable de-risking increases capital flexibility, lowers regulatory pressure, and provides room to absorb losses while supporting measured lending or restructuring efforts.
Negative Factors
Earnings volatility & thin margins
A sharp 2025 loss followed by a tenuous TTM recovery and significantly lower revenue show persistent earnings volatility and compressed margins. This undermines retained earnings, limits capacity to rebuild capital organically, and leaves profitability exposed to funding costs or renewed credit stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
Leverage moving from elevated levels to ~1.0x in 2025 and very low in the TTM materially reduces balance-sheet risk. That durable de-risking increases capital flexibility, lowers regulatory pressure, and provides room to absorb losses while supporting measured lending or restructuring efforts.
Read all positive factors
BCB Bancorp (BCBP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$192.38M
Dividend Yield7.74%
Average Volume (3M)83.78K
Price to Earnings (P/E)274.9
Beta (1Y)0.55
Revenue Growth-15.00%
EPS Growth-146.52%
CountryUS
Employees264
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.07
Shares Outstanding17,363,157
10 Day Avg. Volume99,436
30 Day Avg. Volume83,782
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)0.46
Price to Sales (P/S)0.83
P/FCF Ratio3.98
Enterprise Value/Market Cap0.93
Enterprise Value/Revenue1.10
Enterprise Value/Gross Profit2.81
Enterprise Value/Ebitda198.24
Forecast
1Y Price Target
$10.75Price Target Upside14.73% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.13
Revenue Forecast (FY)$108.22M
BCB Bancorp Business Overview & Revenue Model
Company Description
BCB Bancorp, Inc. functions as a bank holding entity for BCB Community Bank, delivering a comprehensive array of financial products and services to both businesses and individual clients across the United States. Its suite of deposit offerings inc...
How the Company Makes Money
BCB Bancorp primarily earns money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is the largest driver for most community banks and comes from the spread between (a) interest and fees e...
BCB Bancorp Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
58
Neutral
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 162.81M | 166.44M | 196.95M | 192.45M | 133.04M | 120.90M |
| Gross Profit | 63.56M | 44.51M | 83.39M | 102.05M | 118.61M | 101.86M |
| EBITDA | 900.00K | -17.33M | 26.52M | 40.90M | 63.75M | 50.48M |
| Net Income | 701.00K | -12.53M | 18.62M | 29.48M | 45.58M | 34.24M |
Balance Sheet | ||||||
| Total Assets | 3.27B | 3.28B | 3.60B | 3.83B | 3.55B | 2.97B |
| Cash, Cash Equivalents and Short-Term Investments | 294.97M | 277.32M | 318.02M | 279.52M | 321.81M | 497.55M |
| Total Debt | 279.64M | 289.35M | 511.46M | 523.75M | 433.63M | 121.74M |
| Total Liabilities | 2.96B | 2.98B | 3.28B | 3.52B | 3.25B | 2.69B |
| Stockholders Equity | 307.38M | 304.28M | 323.93M | 314.06M | 291.25M | 274.02M |
Cash Flow | ||||||
| Free Cash Flow | 34.64M | 34.87M | 66.50M | 30.63M | 40.37M | 45.57M |
| Operating Cash Flow | 36.08M | 35.92M | 67.73M | 35.16M | 40.89M | 45.89M |
| Investing Cash Flow | 210.13M | 232.38M | 222.77M | -233.32M | -761.50M | -7.67M |
| Financing Cash Flow | -205.23M | -309.00M | -252.74M | 248.33M | 538.34M | 112.17M |
BCB Bancorp Technical Analysis
Positive
9.37
Price Trends
10.15
Positive
9.18
Positive
8.58
Positive
Market Momentum
0.35
Positive
62.24
Neutral
31.29
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCBP, the sentiment is Positive. The current price of 9.37 is below the 20-day moving average (MA) of 10.74, below the 50-day MA of 10.15, and above the 200-day MA of 8.58, indicating a bullish trend. The MACD of 0.35 indicates Positive momentum. The RSI at 62.24 is Neutral, neither overbought nor oversold. The STOCH value of 31.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BCBP.
BCB Bancorp Risk Analysis
BCB Bancorp disclosed 19 risk factors in its most recent earnings report. BCB Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
BCB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $180.30M | 9.33 | 12.22% | 3.01% | 4.70% | 27.81% | |
69 Neutral | $172.03M | 10.45 | 7.98% | 1.90% | -4.00% | ― | |
68 Neutral | $201.27M | 13.61 | 8.00% | 2.00% | 2.45% | 20.71% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | $192.38M | 274.90 | 0.23% | 7.74% | -15.00% | -146.52% | |
51 Neutral | $173.04M | -3.40 | -20.17% | 0.84% | -6.78% | -2658.21% |
* Financial Sector Average
BCBP
BCB Bancorp
11.13
3.85
52.88%
CZWI
Citizens Community Bancorp
21.17
7.97
60.38%
LARK
Landmark Bancorp
29.36
4.81
19.62%
FGBI
First Guaranty Bancshares
10.14
2.48
32.45%
MNSB
MainStreet Bancshares
24.09
6.43
36.43%
BCB Bancorp Corporate Events
Business Operations and StrategyExecutive/Board Changes
BCB Bancorp CEO Launches Strategic Turnaround and Review
Negative
Jun 3, 2026
On June 1, 2026, BCB Bancorp hosted a pre-announced investor call led by newly appointed President and CEO Thomas M. O’Brien, who outlined an initial 90-day period to deeply assess the bank’s operations, credit profile, and capital str...
Business Operations and StrategyExecutive/Board Changes
BCB Bancorp Appoints Veteran Banker Thomas O’Brien CEO
Positive
Jun 1, 2026
On June 1, 2026, BCB Bancorp appointed veteran banker Thomas M. O’Brien as president and CEO of both the company and BCB Community Bank, and to their boards, marking a strategic leadership shift at the $3.2 billion New Jersey-based community...
Business Operations and StrategyExecutive/Board Changes
BCB Bancorp Announces Leadership Change, Appoints Interim CEO
Neutral
May 21, 2026
On May 20, 2026, BCB Bancorp, Inc. announced that Michael A. Shriner separated from his roles as President, Chief Executive Officer and board member of both the company and its wholly owned subsidiary, BCB Community Bank. The boards of BCB Bancorp...
Executive/Board ChangesShareholder Meetings
BCB Bancorp Shareholders Back Board, Auditor and Pay
Positive
Apr 28, 2026
BCB Bancorp, Inc., the holding company for BCB Community Bank, operates as a community-focused banking institution offering deposit, lending, and other financial services to retail and business clients in its regional markets. The company competes...
DividendsFinancial Disclosures
BCB Bancorp Returns to Profitability, Declares Quarterly Dividend
Positive
Apr 22, 2026
BCB Bancorp, Inc. reported on April 21, 2026 that it returned to profitability in the first quarter of 2026, posting net income of $4.9 million, or $0.26 per diluted share, after net losses in both the fourth quarter of 2025 and the year-ago quart...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.