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BCB Bancorp, Inc. BCBP
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 8.45
0.118 %
$ 145 M
Market Cap
52.81
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one BCBP stock under the worst case scenario is HIDDEN Compared to the current market price of 8.45 USD, BCB Bancorp, Inc. is HIDDEN

BCBP Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one BCBP stock under the base case scenario is HIDDEN Compared to the current market price of 8.45 USD, BCB Bancorp, Inc. is HIDDEN

BCBP Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one BCBP stock under the best case scenario is HIDDEN Compared to the current market price of 8.45 USD, BCB Bancorp, Inc. is HIDDEN

BCBP Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart BCBP

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1M -12%
6M -55.0%
1Y -18%
3Y -92%
5Y 11%
All
$14.0$14.0$13.0$13.0$12.0$12.0$11.0$11.0$10.0$10.0$9.0$9.0$8.0$8.015 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
194 M REVENUE
90.12%
Growth Rates
1Year 90.12%
3Years 22.43%
5Years 17.13%
7Years 15.83%
10Years 13.68%
191 M OPERATING INCOME
0.00%
Growth Rates
1Year 0.00%
3Years 58.11%
5Years 44.43%
7Years 37.80%
10Years 31.18%
18.6 M NET INCOME
-36.83%
Growth Rates
1Year -36.83%
3Years -18.37%
5Years -2.41%
7Years 9.32%
10Years 9.39%
67.7 M OPERATING CASH FLOW
92.64%
Growth Rates
1Year 92.64%
3Years 13.85%
5Years 22.79%
7Years 18.18%
10Years 31.16%
223 M INVESTING CASH FLOW
195.48%
Growth Rates
1Year 195.48%
3Years 214.31%
5Years 10.52%
7Years 18.17%
10Years 16.23%
-253 M FINANCING CASH FLOW
-101.78%
Growth Rates
1Year -101.78%
3Years -48.17%
5Years -18.04%
7Years -11.50%
10Years -14.60%
46 M REVENUE
98.79%
Growth Rates
1Year 90.12%
3Years 22.43%
5Years 17.13%
7Years 15.83%
10Years 13.68%
-11.7 M OPERATING INCOME
0.00%
Growth Rates
1Year 0.00%
3Years 58.11%
5Years 44.43%
7Years 37.80%
10Years 31.18%
3.27 M NET INCOME
-50.93%
Growth Rates
1Year -36.83%
3Years -18.37%
5Years -2.41%
7Years 9.32%
10Years 9.39%
7.79 M OPERATING CASH FLOW
-82.11%
Growth Rates
1Year 92.64%
3Years 13.85%
5Years 22.79%
7Years 18.18%
10Years 31.16%
83.5 M INVESTING CASH FLOW
33.74%
Growth Rates
1Year 195.48%
3Years 214.31%
5Years 10.52%
7Years 18.17%
10Years 16.23%
-17.1 M FINANCING CASH FLOW
90.98%
Growth Rates
1Year -101.78%
3Years -48.17%
5Years -18.04%
7Years -11.50%
10Years -14.60%
Balance Sheet BCB Bancorp, Inc.
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Current Assets 131 M
Cash & Short-Term Investments 116 M
Receivables 15.2 M
Other Current Assets 0
Non-Current Assets 30.5 M
Long-Term Investments 9.47 M
PP&E 25.3 M
Other Non-Current Assets -4.22 M
71.71 %9.40 %5.87 %15.64 %Total Assets$161.5m
Current Liabilities 13.1 M
Accounts Payable 0
Short-Term Debt 220 M
Other Current Liabilities -207 M
Non-Current Liabilities 3.26 B
Long-Term Debt 0
Other Non-Current Liabilities 3.26 B
6.73 %99.60 %Total Liabilities$3.3b
EFFICIENCY
Earnings Waterfall BCB Bancorp, Inc.
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Revenue 194 M
Cost Of Revenue 99 M
Gross Profit 95 M
Operating Expenses 3.28 M
Operating Income 191 M
Other Expenses 172 M
Net Income 18.6 M
200m200m180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00194m(99m)95m(3m)191m(172m)19mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
48.95% GROSS MARGIN
48.95%
Averages
1Year 48.95%
3Years 84.98%
5Years 90.99%
7Years 93.56%
10Years 95.49%
98.31% OPERATING MARGIN
98.31%
Averages
1Year 98.31%
3Years 56.02%
5Years 49.39%
7Years 48.82%
10Years 41.21%
9.60% NET MARGIN
9.60%
Averages
1Year 9.60%
3Years 25.98%
5Years 26.78%
7Years 25.34%
10Years 21.64%
5.75% ROE
5.75%
Averages
1Year 5.75%
3Years 10.26%
5Years 10.33%
7Years 9.83%
10Years 8.58%
0.52% ROA
0.52%
Averages
1Year 0.52%
3Years 0.86%
5Years 0.89%
7Years 0.83%
10Years 0.72%
36.67% ROIC
36.67%
Averages
1Year 36.67%
3Years 16.46%
5Years 11.75%
7Years 9.28%
10Years 8.30%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis BCB Bancorp, Inc.
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140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 18.6 M
Depreciation & Amortization 1.71 M
Capital Expenditures 0
Stock-Based Compensation 767 K
Change in Working Capital -1.27 M
Others 46.1 M
Free Cash Flow 66.5 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets BCB Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for BCBP of $13.5 , with forecasts ranging from a low of $13 to a high of $14 .
BCBP Lowest Price Target Wall Street Target
13 USD 53.85%
BCBP Average Price Target Wall Street Target
13.5 USD 59.76%
BCBP Highest Price Target Wall Street Target
14 USD 65.68%
Price
Max Price Target
Min Price Target
Average Price Target
141413131212111110109988Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.62% DIVIDEND YIELD
0.16 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.140.140.140.140.140.140.140.160.160.160.160.140.140.140.140.140.140.140.160.160.160.160.140.140.140.140.140.140.160.160.160.160.140.560.140.560.140.560.140.560.140.560.140.560.160.600.160.640.160.640.160.640.322015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 20
6. Ownership
Insider Ownership BCB Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
113 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
165 K USD 4
9-12 MONTHS
7. News
New Strong Sell Stocks for May 6th AMKR, BCBP and FINW have been added to the Zacks Rank #5 (Strong Sell) List on May 6, 2025. zacks.com - 2 weeks ago
BCB Bancorp (BCBP) Reports Q1 Loss, Lags Revenue Estimates BCB Bancorp (BCBP) came out with a quarterly loss of $0.51 per share versus the Zacks Consensus Estimate of $0.23. This compares to earnings of $0.32 per share a year ago. zacks.com - 4 weeks ago
BCB Bancorp, Inc. Reports Net Loss of $8.3 Million in First Quarter 2025; Declares Quarterly Cash Dividend of $0.16 Per Share BAYONNE, N.J., April 22, 2025 (GLOBE NEWSWIRE) -- BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding company for BCB Community Bank (the “Bank”), today reported a net loss of $8.3 million for the first quarter of 2025, compared to net income of $3.3 million in the fourth quarter of 2024, and net income of $5.9 million for the first quarter of 2024. Its loss per diluted share for the first quarter of 2025 was ($0.51), compared to earnings per diluted share of $0.16 in the preceding quarter and $0.32 in the first quarter of 2024. globenewswire.com - 4 weeks ago
Is the Options Market Predicting a Spike in BCB Bancorp (BCBP) Stock? Investors need to pay close attention to BCB Bancorp (BCBP) stock based on the movements in the options market lately. zacks.com - 3 months ago
New Strong Sell Stocks for February 3rd BCBP, BNPQY and BAMXF have been added to the Zacks Rank #5 (Strong Sell) List on February 3, 2025. zacks.com - 3 months ago
Here's What Key Metrics Tell Us About BCB Bancorp (BCBP) Q4 Earnings While the top- and bottom-line numbers for BCB Bancorp (BCBP) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 3 months ago
BCB Bancorp (BCBP) Lags Q4 Earnings and Revenue Estimates BCB Bancorp (BCBP) came out with quarterly earnings of $0.16 per share, missing the Zacks Consensus Estimate of $0.29 per share. This compares to earnings of $0.35 per share a year ago. zacks.com - 3 months ago
BCB Bancorp, Inc. Earns $3.3 Million in Fourth Quarter 2024; Reports $0.16 EPS and Declares Quarterly Cash Dividend of $0.16 Per Share BAYONNE, N.J., Jan. 28, 2025 (GLOBE NEWSWIRE) -- BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding company for BCB Community Bank (the “Bank”), today reported net income of $3.3 million for the fourth quarter of 2024, compared to $6.7 million in the third quarter of 2024, and $6.1 million for the fourth quarter of 2023. Earnings per diluted share for the fourth quarter of 2024 were $0.16, compared to $0.36 in the preceding quarter and $0.35 in the fourth quarter of 2023. Net income and earnings per diluted share for the fourth quarter of 2024, without giving effect to the Company's unrealized losses on equity investments and the loss on sale of non-performing loans, were $4.1 million and $0.24, respectively. globenewswire.com - 3 months ago
BCB Bancorp, Inc. and BCB Community Bank Elect Michael J. Widmer to its Boards of Directors BAYONNE, N.J., Dec. 05, 2024 (GLOBE NEWSWIRE) -- BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding company for BCB Community Bank (the “Bank” or “BCB”), today announced the election of Michael J. Widmer to the Board of Directors of both BCB Bancorp, Inc. and BCB Community Bank, effective December 4, 2024. globenewswire.com - 5 months ago
BCB Bancorp Appears Undervalued With A Dividend Yield Of Over 5% The loan balance surprisingly continued to decline in 3Q. As a result, I've decided to reduce my loan growth estimates, and consequently the earnings estimates, for 2024 and 2025. Rate cuts should help the loan portfolio's declining trend finally turn around. Further, rate cuts will lift the net interest margin. The December 2025 target price suggests a high upside from the current market price. seekingalpha.com - 6 months ago
Should Value Investors Buy BCB Bancorp NJ (BCBP) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 6 months ago
BCB Bancorp (BCBP) Q3 Earnings and Revenues Surpass Estimates BCB Bancorp (BCBP) came out with quarterly earnings of $0.36 per share, beating the Zacks Consensus Estimate of $0.32 per share. This compares to earnings of $0.39 per share a year ago. zacks.com - 7 months ago
8. Profile Summary

BCB Bancorp, Inc. BCBP

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 145 M
Dividend Yield 1.62%
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.
Contact 104-110 Avenue C, Bayonne, NJ, 07002 https://www.bcb.bank
IPO Date Oct. 15, 2003
Employees 264
Officers Mr. Ryan Blake M.B.A. Executive Vice President, Chief Operating Officer, Corporate Secretary & Director Mr. Jawad Chaudhry C.F.A. Executive Vice President & Chief Financial Officer Ms. Sandra L. Sievewright Executive Vice President & Chief Compliance Officer Mr. Michael A. Shriner President, Chief Executive Officer & Director