BCB Bancorp (BCBP) AI Stock Analysis

• Market Cap: $151.14M
• Dividend Yield: 7.32%
• Average Volume (3M): 63.78K
• Price to Earnings (P/E): 45.9
• Beta (1Y): 0.76
• Revenue Growth: -5.18%
• EPS Growth: -83.93%
• Country: US
• Employees: 264
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 0.18
• Shares Outstanding: 17,194,300
• 10 Day Avg. Volume: 56,810
• 30 Day Avg. Volume: 63,778
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 3.47
• Enterprise Value/Revenue: 2.74
• Enterprise Value/Gross Profit: 8.29
• Enterprise Value/Ebitda: 77.46
• 1Y Price Target: $9.50
• Price Target Upside: 8.70% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3

• Rating: 66 Neutral
• Price Target: $9.50 ▲(8.70% Upside)

BCB Bancorp's overall score is driven by stable financial performance and positive corporate events, such as net income recovery and improved efficiency. However, the high P/E ratio and longer-term bearish technical trend weigh on the score. The high dividend yield provides some support, appealing to income investors.

BCB Bancorp Business Overview & Revenue Model

Company Description

BCB Bancorp (BCBP) is a bank holding company based in New Jersey, primarily engaged in providing a range of banking services through its wholly-owned subsidiary, BCB Community Bank. The company operates in the financial sector, focusing on retail and commercial banking services, including accepting deposits, making loans, and offering various financial products. BCBP serves individuals, businesses, and municipalities, providing services such as checking and savings accounts, mortgages, commercial loans, and treasury management solutions.

How the Company Makes Money

BCB Bancorp generates revenue primarily through interest income from loans and investment securities. The company earns money by lending to customers at higher interest rates than what it pays on deposits, which is a fundamental banking practice known as the interest margin. Key revenue streams include residential and commercial real estate loans, consumer loans, and small business loans. Additionally, BCBP generates non-interest income through service charges on deposit accounts, fees for financial services, and transaction-related income. The bank's strategic partnerships with local businesses and community organizations also enhance its revenue opportunities by expanding its customer base and increasing loan origination. Economic factors, such as interest rate fluctuations and local market conditions, significantly impact the company's earnings potential.

BCB Bancorp Financial Statement Overview

Summary

BCB Bancorp demonstrates stable financial health with consistent revenue growth and manageable leverage. However, declining profitability margins and slight equity weakness warrant caution. Strategic focus on cost management and capital allocation could enhance performance.

Income Statement

The income statement shows moderate performance with stable revenue growth over the years and a steady gross profit margin. However, there has been a decline in EBIT and net profit margins in the most recent period, indicating potential challenges in cost management or revenue generation. The revenue growth trajectory is positive, but profitability margins need attention.

Balance Sheet

The balance sheet is relatively strong with a moderate debt-to-equity ratio, indicating manageable leverage levels. The equity ratio remains healthy, reflecting a solid capital base. However, there's a slight decline in stockholders' equity over the periods, which requires monitoring.

Cash Flow

Cash flow analysis indicates stable free cash flow generation, with a positive free cash flow growth rate. The operating cash flow to net income ratio is strong, suggesting efficient conversion of net income into cash. However, the volatility in investing and financing cash flows suggests potential capital allocation challenges.

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: Positive
• Last Price: 8.74
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 8.74 is above the 20-day moving average (MA) of 8.74, above the 50-day MA of 8.61, and below the 200-day MA of 9.49, indicating a neutral trend. The MACD of 0.10 indicates Positive momentum. The RSI at 51.74 is Neutral, neither overbought nor oversold. The STOCH value of 24.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BCBP.

BCB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	77 Outperform	$156.90M	9.55	11.80%	3.13%	14.58%	43.66%
UBFO	76 Outperform	$167.60M	14.79	8.54%	5.01%	-1.42%	-37.11%
CZWI	73 Outperform	$164.14M	13.43	6.93%	2.18%	-0.96%	-7.38%
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%
BCBP	66 Neutral	$151.14M	45.95	1.63%	7.32%	-5.18%	-83.93%
MNSB	63 Neutral	$171.88M	14.43	-4.04%	1.79%	4.08%	-172.13%
FGBI	46 Neutral	$129.88M	65.81	-4.06%	1.28%	9.81%	-220.92%

BCB Bancorp Corporate Events

BCB Bancorp Reports Q2 2025 Net Income Recovery

BCB Bancorp, Inc. reported a net income of $3.6 million for the second quarter of 2025, a significant improvement from the $8.3 million loss in the first quarter of the same year. The company declared a quarterly cash dividend of $0.16 per share, payable on August 25, 2025. The quarter saw a net interest margin expansion to 2.80%, driven by balance sheet optimization. Despite challenges with asset quality and increased loan loss provisioning, the company remains optimistic about its medium to long-term outlook. Total assets decreased by 6.1% to $3.380 billion, primarily due to reductions in net loans and cash equivalents. The efficiency ratio improved to 60.6% from 68.6% in the second quarter of 2024, reflecting better operational efficiency.