Bcb Bancorp Inc. [Nj] (BCBP)
NASDAQ:BCBP
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BCB Bancorp
(NASDAQ:BCBP)
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Rating:50Neutral
Price Target:
$9.50
â–²(0.64% Upside)
Action:ReiteratedDate:03/10/26
The score is held down primarily by weakened financial performance (2025 net loss and revenue decline) and negative credit-related corporate events (write-downs/charge-offs and reduced dividend). Technicals are neutral with no strong trend, while valuation is partially supported by a high dividend yield but constrained by the negative P/E.
Positive Factors
Improved leverage
Lower leverage (debt-to-equity near 1.0) materially strengthens balance-sheet resilience and reduces funding and solvency risk. This durable improvement increases capacity to absorb future credit losses, eases regulatory pressure, and provides structural flexibility for capital management over coming quarters.
Negative Factors
Material credit losses
Large, concentrated charge-offs and a significant cannabis-related REO write-down reveal material credit deterioration. Such losses erode capital and compress earnings, suggesting underwriting or concentration weaknesses that can persist and limit lending capacity and profitability for multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
Lower leverage (debt-to-equity near 1.0) materially strengthens balance-sheet resilience and reduces funding and solvency risk. This durable improvement increases capacity to absorb future credit losses, eases regulatory pressure, and provides structural flexibility for capital management over coming quarters.
Read all positive factors
BCB Bancorp (BCBP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$167.51M
Dividend Yield7.74%
Average Volume (3M)83.78K
Price to Earnings (P/E)―
Beta (1Y)0.58
Revenue Growth-8.73%
EPS Growth-95.86%
CountryUS
Employees264
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.73
Shares Outstanding17,358,930
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 Cap2.71
Enterprise Value/Revenue2.73
Enterprise Value/Gross Profit10.21
Enterprise Value/Ebitda-25.92
Forecast
1Y Price Target
$9.00Price Target Upside-4.66% Downside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.01
Revenue Forecast (FY)$105.70M
BCB Bancorp Business Overview & Revenue Model
Company Description
BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank that provides banking products and services to businesses and individuals in the United States. The company offers deposit products, including savings and club accounts, i...
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
34
Negative
Balance Sheet
56
Neutral
Cash Flow
61
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 166.44M | 196.95M | 192.45M | 133.04M | 120.90M |
| Gross Profit | 44.51M | 83.39M | 102.05M | 118.61M | 101.86M |
| EBITDA | -18.30M | 26.52M | 40.90M | 63.75M | 50.48M |
| Net Income | -12.53M | 18.62M | 29.48M | 45.58M | 34.24M |
Balance Sheet | |||||
| Total Assets | 3.28B | 3.60B | 3.83B | 3.55B | 2.97B |
| Cash, Cash Equivalents and Short-Term Investments | 140.19M | 318.02M | 279.52M | 321.81M | 497.55M |
| Total Debt | 300.49M | 511.46M | 523.75M | 433.63M | 121.74M |
| Total Liabilities | 2.98B | 3.28B | 3.52B | 3.25B | 2.69B |
| Stockholders Equity | 304.28M | 323.93M | 314.06M | 291.25M | 274.02M |
Cash Flow | |||||
| Free Cash Flow | 34.84M | 66.50M | 30.63M | 40.37M | 45.57M |
| Operating Cash Flow | 35.92M | 67.73M | 35.16M | 40.89M | 45.89M |
| Investing Cash Flow | 232.38M | 222.77M | -233.32M | -761.50M | -7.67M |
| Financing Cash Flow | -309.00M | -252.74M | 248.33M | 538.34M | 112.17M |
BCB Bancorp Technical Analysis
Positive
9.44
Price Trends
8.31
Positive
8.13
Positive
8.16
Positive
Market Momentum
0.28
Negative
75.55
Negative
90.68
Negative
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 9.44 is above the 20-day moving average (MA) of 8.56, above the 50-day MA of 8.31, and above the 200-day MA of 8.16, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 75.55 is Negative, neither overbought nor oversold. The STOCH value of 90.68 is Negative, 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $161.88M | 8.47 | 12.36% | 3.01% | 12.31% | 39.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $181.36M | 14.13 | 9.03% | 4.66% | -2.00% | -36.25% | |
63 Neutral | $169.86M | 9.98 | 7.26% | 1.90% | 1.92% | -174.59% | |
62 Neutral | $200.76M | 12.00 | 7.81% | 2.00% | -2.16% | -9.35% | |
50 Neutral | $167.51M | -11.07 | -4.00% | 7.74% | -8.73% | -95.86% | |
47 Neutral | $151.14M | -1.34 | -23.30% | 0.84% | 1.33% | -593.24% |
* Financial Sector Average
BCBP
BCB Bancorp
9.65
0.57
6.32%
CZWI
Citizens Community Bancorp
20.85
7.67
58.23%
LARK
Landmark Bancorp
26.65
0.65
2.50%
FGBI
First Guaranty Bancshares
9.57
1.56
19.42%
UBFO
United Security Bancshares
10.51
2.73
35.11%
MNSB
MainStreet Bancshares
23.06
7.09
44.38%
BCB Bancorp Corporate Events
Executive/Board Changes
BCB Bancorp Adds Independent Financial Expert to Board
Positive
Feb 24, 2026
BCB Bancorp’s board of directors elected Gerald Werdann, a 62-year-old certified public accountant and co-founding partner of Werdann DeVito LLC, to serve as a director effective March 1, 2026, filling a vacancy created by a recent retiremen...
Business Operations and StrategyDividendsFinancial Disclosures
BCB Bancorp Reports Q4 Loss, Maintains Reduced Dividend
Negative
Jan 30, 2026
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-dow...
Business Operations and StrategyFinancial Disclosures
BCB Bancorp Announces Significant Loan Impairments and Charge-Offs
Negative
Jan 16, 2026
On January 13, 2026, BCB Bancorp, Inc. announced that it had determined an additional pre-tax write-down of $15.1 million was required on an isolated cannabis-related real estate owned property, following earlier actions in 2025 that included a sp...
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.