BCB Bancorp (BCBP) AI Stock Analysis

• Market Cap: $133.87M
• Dividend Yield: 8.21%
• Average Volume (3M): 67.29K
• Price to Earnings (P/E): 51.6
• Beta (1Y): 0.71
• Revenue Growth: -5.71%
• EPS Growth: -90.24%
• Country: US
• Employees: 264
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): -0.51
• Shares Outstanding: 17,162,626
• 10 Day Avg. Volume: 89,452
• 30 Day Avg. Volume: 67,293
• PEG Ratio: 0.19
• Price to Book (P/B): 1.05
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.56
• Enterprise Value/Market Cap: -0.22
• Enterprise Value/Revenue: -0.04
• Enterprise Value/Gross Profit: -0.20
• Enterprise Value/Ebitda: -1.58
• 1Y Price Target: $12.50
• Price Target Upside: 60.26% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 65 Neutral
• Price Target: ―

BCB Bancorp demonstrates a stable financial foundation with strong cash flow and effective debt management, but faces challenges in revenue growth and profitability. The technical indicators reflect some bearish momentum, yet the stock's valuation is attractive with a low P/E ratio and a high dividend yield. These factors collectively position the stock in the moderate range, highlighting both opportunities and risks.

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 its banking operations. The company earns interest income from loans offered to individuals and businesses, including residential, commercial, and consumer loans. Additionally, it collects interest from investment securities. Non-interest income is generated through fees and service charges associated with various banking services, such as deposit accounts, cash management, and electronic banking services. The company's profitability is influenced by interest rate spreads, loan demand, and economic conditions in its operating regions. Strategic partnerships with local businesses and community involvement also play a role in enhancing BCB Bancorp's market presence and customer loyalty.

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
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
194.01M	102.05M	115.54M	105.72M	88.52M
	Gross Profit
94.96M	108.15M	115.54M	105.72M	88.52M
	EBIT
190.73M	0.00	80.61M	48.26M	29.42M
	EBITDA
0.00	0.00	63.75M	50.48M	29.99M
	Net Income Common Stockholders
18.62M	29.48M	45.58M	34.24M	20.86M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
115.79M	279.52M	321.81M	497.55M	361.72M
	Total Assets
3.60B	3.83B	3.55B	2.97B	2.82B
	Total Debt
511.46M	523.75M	433.63M	121.74M	246.07M
	Net Debt
193.44M	243.49M	203.53M	-290.63M	-15.90M
	Total Liabilities
3.28B	3.52B	3.25B	121.74M	246.07M
	Stockholders Equity
323.93M	314.06M	291.25M	274.02M	249.21M
Cash Flow		Free Cash Flow
66.50M	30.63M	40.37M	45.57M	137.96M
	Operating Cash Flow
67.73M	35.16M	40.89M	45.89M	139.34M
	Investing Cash Flow
222.77M	-233.32M	-761.50M	-7.67M	-315.49M
	Financing Cash Flow
-252.74M	248.33M	538.34M	112.17M	-112.98M

BCB Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 7.80
• 50DMA: Negative
• 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 7.8 is below the 20-day moving average (MA) of 7.95, below the 50-day MA of 8.33, and below the 200-day MA of 10.49, indicating a bearish trend. The MACD of -0.17 indicates Negative momentum. The RSI at 41.69 is Neutral, neither overbought nor oversold. The STOCH value of 32.82 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	74 Outperform	$179.77M	8.32	9.12%	2.30%	6.42%	24.08%
EFSI	67 Neutral	$158.34M	14.17	4.10%	4.26%	-2.87%	-21.25%
FCCO	66 Neutral	$171.22M	11.22	10.83%	2.69%	19.34%	38.80%
BCBP	65 Neutral	$133.87M	51.59	1.40%	8.21%	-5.71%	-90.24%
Sector *	64 Neutral	$12.77B	9.78	7.84%	78.83%	12.06%	-7.99%
NKSH	60 Neutral	$164.87M	19.01	5.66%	5.63%	16.35%	-39.77%
HMST	52 Neutral	$229.70M	―	-30.45%	0.98%	-22.63%	-251.47%