BCB Bancorp (BCBP) AI Stock Analysis

• Market Cap: $146.91M
• Dividend Yield: 7.48%
• Average Volume (3M): 88.70K
• Price to Earnings (P/E): 56.6
• Beta (1Y): 0.78
• Revenue Growth: -5.71%
• EPS Growth: -90.24%
• Country: US
• Employees: 264
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 17,162,626
• 10 Day Avg. Volume: 72,901
• 30 Day Avg. Volume: 88,696
• PEG Ratio: -0.36
• Price to Book (P/B): 0.43
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 2.13
• Enterprise Value/Market Cap: 2.33
• Enterprise Value/Revenue: 0.43
• Enterprise Value/Gross Profit: 5.42
• Enterprise Value/Ebitda: 3.66
• 1Y Price Target: $12.50
• Price Target Upside: 46.03% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 60 Neutral
• Price Target: $9.00 ▲(5.14%Upside)

The overall stock score is primarily influenced by stable financial performance and mixed technical indicators. While the company's financial health is sound, the high P/E ratio suggests overvaluation, and the stock shows mixed technical signals. High dividend yield provides some offsetting benefit.

BCB Bancorp Business Overview & Revenue Model

Company Description

BCB Bancorp, Inc. is a bank holding company headquartered in Bayonne, New Jersey. It primarily operates through its subsidiary, BCB Community Bank, which provides a wide range of financial services to individuals and businesses. The bank's core offerings include personal and commercial banking services, such as checking and savings accounts, loans, and credit facilities. BCB Community Bank also provides cash management services, online and mobile banking, and other financial solutions to meet the evolving needs of its customers.

How the Company Makes Money

BCB Bancorp generates revenue primarily through interest income earned on loans and securities, as well as non-interest income from various banking services. The company's key revenue streams include interest on residential, commercial, and consumer loans, which form the core of its lending activities. Additionally, BCB Bancorp earns income from investment securities and fees associated with deposit accounts, transaction services, and other banking activities. The bank also benefits from partnerships with local businesses and community organizations, which enhance its service offerings and customer base. BCB Bancorp's earnings are influenced by factors such as interest rate fluctuations, loan demand, and economic conditions in its operating regions.

BCB Bancorp Financial Statement Overview

Summary

BCB Bancorp presents a moderately strong financial position with robust cash flow generation and improved leverage. Despite challenges in revenue growth and profitability margins, the company maintains solid equity and effective cash management, which supports its financial stability in the banking industry.

Income Statement

BCB Bancorp shows a mixed performance in terms of income. The gross profit margin has remained strong at 100% due to its revenue structure. However, the net profit margin has declined from previous years, indicating some inefficiency in cost management or increased expenses. Revenue growth rate has been volatile, showing a decrease in the latest year compared to the previous year, which might suggest challenges in expanding market share or competitive pressures.

Balance Sheet

BCB Bancorp's balance sheet indicates strong equity with a consistent equity ratio, which suggests stability. The debt-to-equity ratio has improved significantly, indicating effective debt management and reduced leverage. Return on equity has decreased slightly, suggesting potential challenges in generating profits from equity investments.

Cash Flow

The cash flow statement reflects a strong ability to generate cash, with a positive operating cash flow to net income ratio. Free cash flow has shown growth, indicating good cash management. However, fluctuations in investing and financing cash flows suggest variability in investment strategies and financing activities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	191.54M	196.95M	192.45M	133.04M	120.90M	121.54M
Gross Profit	63.18M	83.39M	102.05M	118.61M	101.86M	79.08M
EBITDA	6.76M	26.52M	40.90M	63.75M	50.48M	29.99M
Net Income	4.43M	18.62M	29.48M	45.58M	34.24M	20.86M
Balance Sheet
Total Assets	3.47B	3.60B	3.83B	3.55B	2.97B	2.82B
Cash, Cash Equivalents and Short-Term Investments	253.49M	318.02M	279.52M	321.81M	497.55M	361.72M
Total Debt	461.61M	511.46M	523.75M	433.63M	121.74M	243.43M
Total Liabilities	3.16B	3.28B	3.52B	3.25B	2.69B	2.57B
Stockholders Equity	314.72M	323.93M	314.06M	291.25M	274.02M	249.21M
Cash Flow
Free Cash Flow	63.08M	66.50M	30.63M	40.37M	45.57M	137.96M
Operating Cash Flow	64.45M	67.73M	35.16M	40.89M	45.89M	139.34M
Investing Cash Flow	217.84M	222.77M	-233.32M	-761.50M	-7.67M	-315.49M
Financing Cash Flow	-381.99M	-252.74M	248.33M	538.34M	112.17M	-112.98M

BCB Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 8.56
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCBP, the sentiment is Negative. The current price of 8.56 is above the 20-day moving average (MA) of 8.55, above the 50-day MA of 8.31, and below the 200-day MA of 10.24, indicating a neutral trend. The MACD of 0.22 indicates Negative momentum. The RSI at 49.27 is Neutral, neither overbought nor oversold. The STOCH value of 37.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BCBP.

BCB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ISTR	77 Outperform	$218.65M	10.11	9.12%	2.02%	6.42%	24.08%
FCCO	74 Outperform	$193.04M	12.65	10.83%	2.39%	19.34%	38.96%
EFSI	69 Neutral	$179.37M	16.06	4.10%	3.72%	-2.87%	-21.25%
Sector *	67 Neutral	$16.64B	11.61	9.79%	3.78%	11.89%	-8.13%
NKSH	60 Neutral	$181.48M	20.92	5.66%	5.12%	16.35%	-39.77%
BCBP	60 Neutral	$146.91M	56.61	1.40%	7.48%	-5.71%	-90.24%
HMST	48 Neutral	$247.48M	―	-30.45%	0.98%	-22.46%	-251.47%