BCB Bancorp (BCBP) AI Stock Analysis

• Market Cap: $144.89M
• Dividend Yield: 7.61%
• Average Volume (3M): 83.27K
• Price to Earnings (P/E): 175.2
• Beta (1Y): 0.57
• 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: 98,678
• 30 Day Avg. Volume: 83,269
• 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: 3.26
• Enterprise Value/Revenue: 2.56
• Enterprise Value/Gross Profit: 7.31
• Enterprise Value/Ebitda: 102.21
• 1Y Price Target: $9.00
• Price Target Upside: 8.17% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 0.11
• Revenue Forecast (FY): $100.92M

• Rating: 58 Neutral
• Price Target: $8.50 ▲(2.16% Upside)

BCB Bancorp's overall stock score reflects a combination of mixed financial performance, technical analysis, and valuation concerns. The high P/E ratio and recent financial results highlight potential risks, while the attractive dividend yield and stable liquidity position offer some positives. The stock's technical indicators suggest caution, with potential overbought conditions.

Positive Factors

Cash Conversion

Strong cash conversion indicates effective management of cash resources, supporting operational stability and potential for reinvestment.

Net Interest Margin

An improved net interest margin suggests better profitability from core banking activities, enhancing long-term earnings potential.

Leverage Reduction

Reduced leverage improves financial stability and lowers risk, providing more flexibility for future growth and investment.

Negative Factors

Revenue Decline

A decline in revenue growth can hinder long-term expansion and market competitiveness, affecting overall financial health.

Free Cash Flow Decline

Significant decline in free cash flow growth raises concerns about cash generation and limits capacity for investments and debt servicing.

Profitability Challenges

Low profitability margins indicate challenges in cost management and revenue generation, impacting long-term financial sustainability.

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: Positive
• Last Price: 8.32
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 8.32 is above the 20-day moving average (MA) of 8.19, above the 50-day MA of 7.93, and above the 200-day MA of 8.28, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 62.34 is Neutral, neither overbought nor oversold. The STOCH value of 82.57 is Negative, 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
UBFO	78 Outperform	$181.93M	15.78	8.41%	4.66%	-2.00%	-36.25%
LARK	75 Outperform	$174.32M	10.12	11.72%	2.93%	12.31%	39.46%
CZWI	69 Neutral	$177.84M	14.30	7.00%	1.96%	-2.16%	-9.35%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MNSB	59 Neutral	$165.05M	-23.18	-2.07%	1.91%	1.92%	-174.59%
BCBP	58 Neutral	$144.89M	175.21	0.86%	7.61%	-8.73%	-95.86%
FGBI	52 Neutral	$77.69M	-1.23	-24.07%	0.84%	1.33%	-593.24%

BCB Bancorp Corporate Events

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.