$11.11
-2.3%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.
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.
BCBP โข NASDAQ
| BCB Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
-12.5M | 18.6M | 29.5M | 45.6M | 34.2M | 20.9M | 21M | 16.8M | 10M | 8M | 7M | 7.6M | 9.4M | -2.1M | 6.1M | 14.3M | 3.7M | 3.5M | 4.4M | 5.6M | |
0.0 | 249K | -555K | 639K | 2.2M | 442K | -152K | -175K | 1.1M | 617K | 1.7M | 693K | 2M | 2.6M | 2.4M | 2.5M | 730K | -283K | -270K | -315K | |
0.0 | 258K | -2.5M | -1M | -975K | -2M | 1.3M | -2.1M | 3.9M | 1.5M | 2K | 1.3M | -832K | -149K | -1.8M | -341K | -598K | -1.7M | -132K | -241K | |
0.0 | 767K | 593K | 1.1M | 417K | 1.2M | 987K | 251K | 199K | 125K | 66K | 55K | 61K | 24K | 12K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
50.1M | 49.1M | 7M | 817K | 3M | 123.5M | 1.6M | 26.2M | 3.4M | -1.5M | 3.8M | 1.2M | -1M | 18.2M | 2.7M | -16.8M | -1.3M | 4.9M | 173K | -1.5M | |
(1.8M) | (6.9M) | (18M) | (18.8M) | (12M) | (12.7M) | (10.1M) | (9.2M) | (4.3M) | (5.3M) | (2.4M) | (7.4M) | (857K) | (4M) | (4.5M) | (2.3M) | (3.2M) | (3.9M) | (0.0) | (0.0) | |
-1.7M | -1.3M | 1.2M | -6.3M | 7M | -4.7M | -440K | -911K | 2.5M | -1.5M | -4.9M | -6.3M | 6.4M | -6.2M | 5M | -2.1M | -2.6M | -568K | 950K | 2.8M | |
35.9M | 67.7M | 35.2M | 40.9M | 45.9M | 139.3M | 24.3M | 40M | 21M | 7.2M | 7.7M | 4.5M | 16M | 12.4M | 14.2M | -2.4M | 10K | 5.9M | 5.2M | 6.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1.2M | -4.5M | -518K | -325K | -1.4M | -2.5M | -1.6M | -1.9M | -6.1M | -3.6M | -1.7M | -1.7M | -1.1M | -2.2M | -704K | -95K | -99K | -438K | -709K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (5M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (5.9M) | (23M) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -15.2M | -12.5M | -27.5M | -26.1M | -77.1M | -1.2M | -16.4M | -75.1M | -95.7M | -1.2M | -3M | -5.1M | -57.3M | -95.5M | -105M | -147.9M | -62.8M | -41.2M | -38.4M | |
0.0 | 3.8M | 20M | 11.3M | 32.6M | 59.3M | 37.5M | 23.3M | 49.2M | 6.2M | 1.2M | 110.9M | 55.5M | 98.1M | 88M | 156.8M | 155.6M | 84.4M | 21M | 28.8M | |
232.4M | 235.5M | -236.3M | -744.9M | -13.8M | -296.3M | 101.3M | -476.6M | -155.2M | -64.1M | -214.4M | -195.2M | -95.8M | -92.3M | 15M | 44.4M | 3.9M | -44M | -46.8M | -33.7M | |
(232.4M) | (222.8M) | -233.3M | -761.5M | -7.7M | -315.5M | (135.1M) | -466.2M | -182.9M | -159.8M | -218M | -89.1M | -47M | -52.7M | (10.6M) | (118.4M) | (11.6M) | -22.5M | -67.4M | -44M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
1.1M | 824K | -2.5M | -3M | -3.7M | -4.5M | 19.1M | 467K | 43.3M | 329K | 26M | 455K | -1.8M | -10.7M | -5.3M | -1.7M | 24K | -370K | -6.4M | 26K | |
-220.8M | -12.7M | 90M | 310M | -120M | -54.6M | 0.0 | 73.1M | 10M | -25M | 41M | 31M | 1M | 1.6M | 0.0 | -43.8M | -2M | 2M | 40M | 20M | |
-12.6M | -12.3M | -11.1M | -11.2M | -10.9M | -10.5M | -10.1M | -9.4M | -7.2M | -7M | -5.4M | -5.2M | -4.4M | -4.3M | -4.5M | -3.4M | -2.2M | -1.9M | -1.6M | -1.5M | |
(0.0) | (0.0) | -3.8M | -3.4M | -4.2M | -4.9M | (0.0) | (0.0) | -11.7M | -1.7M | (0.0) | -12K | -1.9M | -10.9M | -5.6M | -1.8M | -39K | -1.3M | -6.5M | (0.0) | |
-77.3M | -228.2M | 167.9M | 250.4M | 243.6M | -44M | 181.4M | 433M | 177.2M | 118.3M | 245.4M | 59.9M | 27.9M | -36.8M | -20M | -13.3M | 53.2M | 11.8M | 16.1M | 19.9M | |
-309M | -252.7M | 248.3M | 538.3M | 112.2M | -113M | 195.7M | 497.2M | 221.1M | 84.9M | 310.8M | 86.9M | 26.7M | -41.7M | -29.9M | -62.2M | 49M | 11.6M | 48.1M | 38.4M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
40.7M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-40.7M | 37.8M | 50.2M | -182.3M | 150.4M | -289.1M | 355.1M | 71M | 59.2M | -67.6M | 100.5M | 2.3M | -4.3M | -82M | -5M | 53.8M | 60.6M | -5M | -14.1M | 690K | |
317.3M | 279.5M | 229.4M | 411.6M | 261.2M | 550.4M | 195.3M | 124.2M | 65M | 132.6M | 32.1M | 29.8M | 34.1M | 117.1M | 121.1M | 67.3M | 6.8M | 11.8M | 25.8M | 25.1M | |
276.6M | 317.3M | 279.5M | 229.4M | 411.6M | 261.2M | 550.4M | 195.3M | 124.2M | 65M | 132.6M | 32.1M | 29.8M | 34.1M | 117.1M | 121.1M | 67.3M | 6.8M | 11.8M | 25.8M | |
34.8M | 66.5M | 30.6M | 40.4M | 45.6M | 138M | 21.8M | 38.5M | 19.1M | 1.2M | 4.1M | 2.7M | 14.4M | 11.3M | 12M | -3.1M | -85K | 5.8M | 4.7M | 5.5M |
BCBP - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | June 01, 2026 | June 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 21, 2026 | May 20, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 01, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 21, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 24, 2026 | April 23, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 09, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 24, 2026 | February 18, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 30, 2026 | January 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 16, 2026 | January 13, 2026 | 2026 |
Continue your BCBP research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.