BCB Bancorp (BCBP) AI Stock Analysis

• Market Cap: $140.61M
• Dividend Yield: 7.74%
• Average Volume (3M): 83.78K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.65
• Revenue Growth: -8.73%
• EPS Growth: -95.86%
• Country: US
• Employees: 264
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.73
• Shares Outstanding: 17,358,930
• 10 Day Avg. Volume: 99,436
• 30 Day Avg. Volume: 83,782
• PEG Ratio: 0.06
• Price to Book (P/B): 0.46
• Price to Sales (P/S): 0.83
• P/FCF Ratio: 3.98
• Enterprise Value/Market Cap: 3.03
• Enterprise Value/Revenue: 2.56
• Enterprise Value/Gross Profit: 9.59
• Enterprise Value/Ebitda: -24.34
• 1Y Price Target: $9.00
• Price Target Upside: 11.11% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): 1.01
• Revenue Forecast (FY): $105.70M

• Rating: 50 Neutral
• Price Target: $8.00 ▼(-1.23% Downside)
• Action: Reiterated Date: 03/10/26
• Date: Action: Reiterated 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

A materially lower debt-to-equity ratio meaningfully strengthens balance-sheet resilience. Reduced financial leverage lowers bankruptcy risk, increases capacity to absorb future credit losses, and provides more flexibility for lending or capital actions over the coming months.

Positive Cash Generation

Sustained positive operating cash flow and rising free cash flow indicate the franchise still converts underlying activity into cash. That durability supports ongoing operations, provisioning, and dividend capacity even during earnings volatility, improving short-to-medium term financial flexibility.

Board Governance Strengthened

Adding a seasoned CPA with valuation and forensics skills enhances governance and risk oversight. Stronger audit and credit committee expertise can improve loss recognition, controls, and provisioning decisions, reducing governance-related execution risk over subsequent quarters.

Negative Factors

Profitability Deterioration

A shift from multi-year profitability to a meaningful annual loss signals impaired earnings power. Negative margins and declining revenue reduce retained earnings growth, constrain capital rebuilding, and make it harder to fund growth or sustain dividends absent a durable recovery in core revenue and margins.

Significant Credit Losses

Large, concentrated charge-offs and a sizable REO write-down point to elevated asset-quality dispersion. Persistent or recurring single-name and sector stress increases provisioning needs, reduces lending appetite, and raises the risk of further capital erosion until credit trends stabilize.

Capital & Efficiency Pressure

A sharp equity decline plus an efficiency ratio above 100% show the bank's cost base exceeds revenue, straining internal capital generation. Reduced dividend reflects constrained capital allocation. These structural pressures limit growth, require tighter expense control, or further balance-sheet adjustments.

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 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 earned on loans and interest-earning assets and (b) interest paid on deposits and other funding sources. Key interest-earning assets typically include commercial and industrial loans, commercial real estate loans, construction/land development loans, residential mortgage loans, and securities/other interest-earning balances; profitability is influenced by loan growth, portfolio mix, credit performance (including provision for credit losses), and changes in market interest rates that affect loan yields and funding costs. In addition to net interest income, the company generates noninterest income from banking fees and service charges associated with deposit accounts and customer services (for example, certain account-related fees and treasury management/service fees). Like other banks, it also incurs noninterest expense (personnel, occupancy, technology, and regulatory/compliance costs), and its bottom-line earnings depend on controlling these costs while maintaining asset quality and stable, cost-effective deposit funding. Specific material partnerships contributing to earnings are not available (null).

BCB Bancorp Financial Statement Overview

Summary

Overall fundamentals weakened materially as 2025 shifted to a net loss and lower revenue, indicating pressured earnings power. Positives include improved leverage (lower debt-to-equity) and still-positive operating/free cash flow, but the key swing factor remains restoring sustainable profitability.

Income Statement

Profitability has deteriorated sharply. After solid earnings in 2021–2024 (net profit margin peaking in 2022 and remaining positive through 2024), 2025 swung to a loss (net income -$12.5M) with negative operating margin and a materially lower gross margin. Revenue also declined meaningfully in 2025 (-9.8% YoY) versus modest growth in 2024, pointing to weakening top-line momentum and pressured earnings power.

Balance Sheet

Leverage has improved recently, with debt-to-equity falling to ~1.0 in 2025 from ~1.6–1.7 in 2023–2024, which is a positive step for balance-sheet resilience. However, equity is still modest relative to the asset base, and returns to shareholders turned negative in 2025 (negative return on equity) after healthy positive levels in prior years—highlighting that profitability, not just leverage, is the key current balance-sheet risk.

Cash Flow

Cash generation remains a relative strength: operating cash flow stayed positive in 2025 ($35.9M) and free cash flow grew (+19%). Cash flow also covered reported earnings well in 2025 due to the net loss (free cash flow remained positive). That said, operating cash flow was lower than 2024, and prior-year cash-flow-to-earnings coverage appears inconsistent/weak (notably in 2022–2024), suggesting volatility in cash conversion over time.

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

• Technical Analysis Sentiment: Negative
• Last Price: 8.10
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Negative. The current price of 8.1 is below the 20-day moving average (MA) of 8.20, above the 50-day MA of 8.06, and above the 200-day MA of 8.08, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 48.04 is Neutral, neither overbought nor oversold. The STOCH value of 38.24 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
UBFO	78 Outperform	$178.51M	14.13	9.03%	4.66%	-2.00%	-36.25%
LARK	75 Outperform	$151.01M	8.47	12.36%	3.01%	12.31%	39.46%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CZWI	62 Neutral	$179.48M	12.00	7.81%	2.00%	-2.16%	-9.35%
MNSB	62 Neutral	$159.18M	9.50	7.26%	1.90%	1.92%	-174.59%
FGBI	61 Neutral	$134.18M	-1.34	-23.30%	0.84%	1.33%	-593.24%
BCBP	50 Neutral	$140.61M	-11.07	-4.00%	7.74%	-8.73%	-95.86%

BCB Bancorp Corporate Events

BCB Bancorp Adds Independent Financial Expert to Board

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 retirement. His initial term will run until the April 2026 annual shareholder meeting, where he has been nominated for re-election to a three-year term, and he will also join the board of BCB Community Bank and serve on the audit, loan, and asset and liability committees.

Werdann brings significant accounting, business valuation, and financial forensics expertise as a licensed CPA in New Jersey and New York and as a member of major professional accounting bodies, and he will be compensated on the same basis as other non-employee directors, including board fees and eligibility for stock-based awards. The company emphasized that neither Werdann nor his firm has previously provided services to BCB Bancorp or its bank subsidiary and that there are no related-party transactions or special arrangements tied to his election, underscoring an effort to maintain strong governance and independence on the board.

The most recent analyst rating on (BCBP) stock is a Hold with a $9.00 price target. To see the full list of analyst forecasts on BCB Bancorp stock, see the BCBP Stock Forecast page.

BCB Bancorp Reports Q4 Loss, Maintains Reduced Dividend

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-down on an isolated cannabis-related real estate owned property and $16.3 million in additional net charge-offs, mainly in its commercial and industrial loan portfolio. The loss drove annualized returns on average assets and equity to negative 1.44% and 15.0%, respectively, and pushed the fourth-quarter efficiency ratio to 120.0%, even as net interest margin improved to 3.03% on a lower cost of interest-bearing liabilities and a largely stable asset yield. Over 2025 the company shrank its balance sheet by 8.9% to $3.28 billion, reducing loans by 10.2%, cutting higher-cost brokered deposits and FHLB advances, and modestly increasing its investment portfolio as part of a strategic effort to bolster capital ratios and improve asset quality; non-accrual loans fell sequentially to $63.3 million, while the allowance for credit losses stood at 1.24% of gross loans and 53.3% of non-accruals. Despite the pressure on earnings and a $19.6 million decline in shareholders’ equity, the board maintained a regular quarterly cash dividend, albeit at a reduced level of $0.08 per share payable on February 26, 2026, signaling a recalibrated but ongoing commitment to shareholder returns while prioritizing prudent capital and balance-sheet management.

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 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.