BCB Bancorp (BCBP) AI Stock Analysis

• Market Cap: $137.83M
• Dividend Yield: 7.74%
• Average Volume (3M): 83.78K
• Price to Earnings (P/E): 166.7
• Beta (1Y): 0.59
• Revenue Growth: -8.73%
• EPS Growth: -95.86%
• Country: US
• Employees: 264
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.22
• Shares Outstanding: 17,228,207
• 10 Day Avg. Volume: 99,436
• 30 Day Avg. Volume: 83,782
• PEG Ratio: -0.26
• Price to Book (P/B): 0.62
• Price to Sales (P/S): 1.02
• P/FCF Ratio: 3.03
• Enterprise Value/Market Cap: 3.42
• Enterprise Value/Revenue: 2.56
• Enterprise Value/Gross Profit: 7.31
• Enterprise Value/Ebitda: 102.21
• 1Y Price Target: $9.00
• Price Target Upside: 11.52% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 55 Neutral
• Price Target: $8.50 ▲(5.33% Upside)

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.

Positive Factors

Strong cash conversion

A 5.68x operating cash flow to net income ratio signals durable cash generation quality versus reported earnings. Over the medium term this supports dividend funding, loss absorption, and internal reinvestment without immediate reliance on external financing, improving resilience.

Improving leverage profile

A declining debt-to-equity ratio to 1.05 points to measured deleveraging and a more stable capital structure. Sustained lower leverage eases regulatory and funding pressures, increases flexibility to withstand credit stress, and improves long-term balance sheet durability.

Community-focused, diversified revenue mix

A business model centered on retail and commercial lending plus fee income and municipal partnerships creates sticky customer relationships and diversified cash flows. Over months this local focus can sustain deposit stability and revenue breadth versus single-product peers.

Negative Factors

Declining revenue and free cash flow growth

Negative revenue growth and a steep drop in free cash flow growth indicate structural pressure on core earnings and reduced internal funding capacity. Sustained declines constrain capital allocation, limit loan growth or tech investment, and heighten vulnerability to cyclical shocks.

Elevated credit losses and loan impairments

Large, concentrated charge-offs including cannabis-related REO and C&I loans reflect rising asset-quality stress and concentration risk. Persistently higher credit losses can erode capital, force tighter underwriting, and reduce net interest income over multiple quarters.

Thin profitability metrics

Very low net margin and sub-1% ROE point to weak earnings power versus capital employed. Over the medium term this limits the bank's ability to grow equity organically, makes dividends and strategic investments more tenuous, and reduces tolerance for adverse shocks.

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, interest and non-interest-bearing demand accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also provides loans, such as commercial and multi-family real estate, one-to-four family mortgage, commercial business, small business administration, construction, home equity and lines of credit, and consumer loans, as well as residential loans secured by one-to-four family dwellings, condominiums, and cooperative units. In addition, the company offers retail and commercial banking services comprising wire transfers, money orders, safe deposit boxes, night depository services, debit cards, online and mobile banking services, fraud detection services, and automated teller services. As of December 31, 2021, it operated 29 branch offices in Bayonne, Carteret, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lyndhurst, Maplewood, Monroe Township, Newark, Parsippany, Plainsboro, River Edge, Rutherford, South Orange, Union, and Woodbridge, New Jersey, as well as three branches in Staten Island and Hicksville, New York. The company was founded in 2000 and is headquartered in Bayonne, New Jersey.

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 and fees. The key revenue streams include interest from commercial and residential loans, which are a significant portion of the bank's loan portfolio. Additionally, the bank earns fees from account maintenance, transaction services, and other financial products. BCB Bancorp's strategic partnerships with local businesses and municipalities enhance its service offerings, while its focus on community lending and development contributes to its earnings stability.

BCB Bancorp Financial Statement Overview

Summary

BCB Bancorp exhibits a mixed financial performance. Strengths include good cash conversion and reduced leverage, but declining revenue and cash flow growth pose challenges. Operational efficiency and leverage need improvement for better profitability.

Income Statement

BCB Bancorp's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate by 3.13%, which is concerning. However, the company maintains a positive net profit margin of 1.50% and a gross profit margin of 10.28%. The EBIT and EBITDA margins are modest at 2.02% and 2.33% respectively, suggesting operational efficiency challenges. Historical data shows stronger margins, indicating potential for recovery.

Balance Sheet

The balance sheet reflects a stable yet leveraged position. The debt-to-equity ratio is 1.05 in the TTM, showing a decrease from previous years, which is a positive sign. Return on equity is low at 0.87%, indicating limited profitability from equity. The equity ratio is not provided, but the overall leverage is a potential risk factor.

Cash Flow

Cash flow analysis reveals a significant decline in free cash flow growth by 52.57% in the TTM, raising concerns about cash generation. However, the operating cash flow to net income ratio is strong at 5.68, indicating good cash conversion. The free cash flow to net income ratio is nearly 1, suggesting efficient cash utilization despite growth challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	184.62M	196.95M	192.45M	133.04M	120.90M	121.54M
Gross Profit	64.59M	83.39M	102.05M	118.61M	101.86M	79.08M
EBITDA	4.62M	26.52M	40.90M	63.75M	50.48M	29.99M
Net Income	2.77M	18.62M	29.48M	45.58M	34.24M	20.86M
Balance Sheet
Total Assets	3.35B	3.60B	3.83B	3.55B	2.97B	2.82B
Cash, Cash Equivalents and Short-Term Investments	250.35M	318.02M	279.52M	321.81M	497.55M	361.72M
Total Debt	335.66M	511.46M	523.75M	433.63M	121.74M	243.43M
Total Liabilities	3.03B	3.28B	3.52B	3.25B	2.69B	2.57B
Stockholders Equity	318.45M	323.93M	314.06M	291.25M	274.02M	249.21M
Cash Flow
Free Cash Flow	30.18M	66.50M	30.63M	40.37M	45.57M	137.96M
Operating Cash Flow	31.86M	67.73M	35.16M	40.89M	45.89M	139.34M
Investing Cash Flow	238.24M	222.77M	-233.32M	-761.50M	-7.67M	-315.49M
Financing Cash Flow	-263.62M	-252.74M	248.33M	538.34M	112.17M	-112.98M

BCB Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 8.07
• 50DMA: Positive
• 100DMA: Negative
• 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 Neutral. The current price of 8.07 is below the 20-day moving average (MA) of 8.14, above the 50-day MA of 8.00, and below the 200-day MA of 8.18, indicating a neutral trend. The MACD of -0.04 indicates Positive momentum. The RSI at 49.45 is Neutral, neither overbought nor oversold. The STOCH value of 37.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BCBP.

BCB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UBFO	78 Outperform	$178.41M	15.48	8.41%	4.66%	-2.00%	-36.25%
LARK	75 Outperform	$154.77M	8.99	11.72%	3.01%	12.31%	39.46%
CZWI	69 Neutral	$175.32M	14.10	7.00%	2.00%	-2.16%	-9.35%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FGBI	61 Neutral	$116.84M	-1.92	-24.07%	0.84%	1.33%	-593.24%
MNSB	57 Neutral	$154.57M	-22.58	-2.07%	1.90%	1.92%	-174.59%
BCBP	55 Neutral	$137.83M	166.67	0.86%	7.74%	-8.73%	-95.86%

BCB Bancorp Corporate Events

BCB Bancorp Announces Significant Loan Impairments and Charge-Offs

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 specific reserve in the first quarter and a $12.7 million charge-off when the loan was moved to REO in the third quarter. The company also disclosed that its fourth quarter 2025 financial statements will reflect a further $16.4 million in net charge-offs, largely tied to its C&I loan portfolio, including a single $6.4 million C&I loan and about $1.4 million from “Business Express” loans, while emphasizing that its capital position is sufficient to absorb these losses without materially affecting ongoing operations and that these charges are not expected to require future cash outlays, ahead of its scheduled release of full fourth quarter 2025 results on January 30, 2026.

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.

BCB Bancorp Announces Retirement of Director Raymond Vanaria

On January 7, 2026, BCB Bancorp announced that Raymond J. Vanaria had informed the company of his retirement from its Board of Directors, effective December 31, 2025. The board publicly acknowledged and expressed appreciation for Vanaria’s service to the company and its shareholders, marking a planned change in board composition at the end of 2025.

The most recent analyst rating on (BCBP) stock is a Hold with a $8.50 price target. To see the full list of analyst forecasts on BCB Bancorp stock, see the BCBP Stock Forecast page.

BCB Bancorp Reports Q3 2025 Financial Results

BCB Bancorp, Inc. reported a net income of $4.3 million for the third quarter of 2025, a decrease from $6.7 million in the same quarter of 2024, with earnings per share at $0.22. The company declared a regular quarterly cash dividend of $0.16 per share, payable on November 24, 2025. The quarter saw an increase in net interest margin to 2.88% and a strategic reduction in total assets by $246 million to enhance capital ratios. Despite challenges, including elevated net charge-offs due to a cannabis-related charge-off, the company maintained a strong liquidity position and improved its funding profile.

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.