(BCBP) BCB Bancorp - Overview
Stock: Deposits, Loans, Mortgages, Banking Services
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 7.46% |
| Yield on Cost 5y | 4.73% |
| Yield CAGR 5y | 1.63% |
| Payout Consistency | 97.0% |
| Payout Ratio | - |
| Risk 5d forecast | |
|---|---|
| Volatility | 35.8% |
| Relative Tail Risk | -7.98% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.70 |
| Alpha | -29.10 |
| Character TTM | |
|---|---|
| Beta | 0.631 |
| Beta Downside | 0.685 |
| Drawdowns 3y | |
|---|---|
| Max DD | 50.03% |
| CAGR/Max DD | -0.35 |
Description: BCBP BCB Bancorp January 18, 2026
BCB Bancorp Inc. (NASDAQ: BCBP) is the holding company for BCB Community Bank, a regional bank headquartered in Bayonne, New Jersey. It offers a full suite of insured deposit products-including savings, money-market, IRA and CD accounts-as well as a diversified loan portfolio that spans commercial and multifamily real-estate financing, single-family mortgages, construction, home-equity and consumer loans. Retail and commercial banking services include wire transfers, safe-deposit boxes, night depositories, debit cards, online/mobile platforms, fraud detection and ATM networks.
As of the most recent quarter (Q4 2024), BCB Bancorp reported total assets of roughly $5.2 billion, a net interest margin (NIM) of 3.6 %-slightly above the regional-bank average of 3.4 %-and a loan-to-deposit ratio of 78 %, indicating a conservative funding profile. The bank’s loan growth year-over-year was 5.2 %, driven primarily by commercial real-estate and construction loans, while deposits rose 4.8 % amid a broader “rate-sensitive” deposit inflow trend that has benefited regional banks as the Federal Reserve maintains the policy rate near 5.25 %–5.50 %.
Key sector drivers include the trajectory of U.S. interest rates (which affect both net interest income and loan demand), regional economic health in the Northeast corridor, and credit-quality trends in commercial real-estate exposure. A rise in default rates in the multifamily sector could pressure earnings, whereas a continued high-rate environment may sustain NIM compression relief for banks with a strong deposit base.
For a deeper quantitative assessment, you may want to explore ValueRay’s detailed financial models.
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income: -12.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.14 > 1.0 |
| NWC/Revenue: 1703 % < 20% (prev -1339 %; Δ 3042 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 24.1m > Net Income -12.5m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 255.4 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.2m) vs 12m ago 1.22% < -2% |
| Gross Margin: 26.74% > 18% (prev 0.42%; Δ 2632 % > 0.5%) |
| Asset Turnover: 4.84% > 50% (prev 5.47%; Δ -0.63% > 0%) |
| Interest Coverage Ratio: -0.01 > 6 (EBITDA TTM -17.5m / Interest Expense TTM 79.9m) |
Altman Z'' 5.89
| A: 0.86 (Total Current Assets 2.85b - Total Current Liabilities 11.1m) / Total Assets 3.28b |
| B: 0.04 (Retained Earnings 116.4m / Total Assets 3.28b) |
| C: -0.00 (EBIT TTM -884.0k / Avg Total Assets 3.44b) |
| D: 0.11 (Book Value of Equity 317.4m / Total Liabilities 2.98b) |
| Altman-Z'' Score: 5.89 = AAA |
Beneish M 1.00
| DSRI: 210.9 (Receivables 2.70b/15.2m, Revenue 166.4m/196.9m) |
| GMI: 1.58 (GM 26.74% / 42.34%) |
| AQI: 0.14 (AQ_t 0.13 / AQ_t-1 0.90) |
| SGI: 0.85 (Revenue 166.4m / 196.9m) |
| TATA: -0.01 (NI -12.5m - CFO 24.1m) / TA 3.28b) |
| Beneish M-Score: 169.6 (Cap -4..+1) = D |
What is the price of BCBP shares?
Over the past week, the price has changed by +0.36%, over one month by +2.73%, over three months by +7.12% and over the past year by -16.52%.
Is BCBP a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BCBP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 8.8 | 5.7% |
| Analysts Target Price | 8.8 | 5.7% |
| ValueRay Target Price | 7.9 | -5.2% |
BCBP Fundamental Data Overview February 09, 2026
P/S = 2.4004
P/B = 0.4701
P/EG = 1.67
Revenue TTM = 166.4m USD
EBIT TTM = -884.0k USD
EBITDA TTM = -17.5m USD
Long Term Debt = 323.9m USD (from longTermDebt, two quarters ago)
Short Term Debt = 11.1m USD (from shortTermDebt, last quarter)
Debt = 11.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.65m USD (from netDebt column, last quarter)
Enterprise Value = 14.0m USD (143.0m + Debt 11.1m - CCE 140.2m)
Interest Coverage Ratio = -0.01 (Ebit TTM -884.0k / Interest Expense TTM 79.9m)
EV/FCF = 0.60x (Enterprise Value 14.0m / FCF TTM 23.4m)
FCF Yield = 167.0% (FCF TTM 23.4m / Enterprise Value 14.0m)
FCF Margin = 14.03% (FCF TTM 23.4m / Revenue TTM 166.4m)
Net Margin = -7.53% (Net Income TTM -12.5m / Revenue TTM 166.4m)
Gross Margin = 26.74% ((Revenue TTM 166.4m - Cost of Revenue TTM 121.9m) / Revenue TTM)
Gross Margin QoQ = -3.76% (prev 48.87%)
Tobins Q-Ratio = 0.00 (Enterprise Value 14.0m / Total Assets 3.28b)
Interest Expense / Debt = 164.5% (Interest Expense 18.3m / Debt 11.1m)
Taxrate = 21.0% (US default 21%)
NOPAT = -698.4k (EBIT -884.0k * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 255.4 (out of range, set to none) (Total Current Assets 2.85b / Total Current Liabilities 11.1m)
Debt / Equity = 0.04 (Debt 11.1m / totalStockholderEquity, last quarter 304.3m)
Debt / EBITDA = 0.15 (negative EBITDA) (Net Debt -2.65m / EBITDA -17.5m)
Debt / FCF = -0.11 (Net Debt -2.65m / FCF TTM 23.4m)
Total Stockholder Equity = 313.3m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.36% (Net Income -12.5m / Total Assets 3.28b)
RoE = -4.00% (Net Income TTM -12.5m / Total Stockholder Equity 313.3m)
RoCE = -0.14% (EBIT -884.0k / Capital Employed (Equity 313.3m + L.T.Debt 323.9m))
RoIC = -0.10% (negative operating profit) (NOPAT -698.4k / Invested Capital 700.0m)
WACC = 7.64% (E(143.0m)/V(154.2m) * Re(8.24%) + (debt cost/tax rate unavailable))
Discount Rate = 8.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.08%
[DCF Debug] Terminal Value 78.34% ; FCFF base≈40.6m ; Y1≈37.7m ; Y5≈34.5m
Fair Price DCF = 38.38 (EV 660.4m - Net Debt -2.65m = Equity 663.0m / Shares 17.3m; r=7.64% [WACC]; 5y FCF grow -8.98% → 2.90% )
EPS Correlation: -77.57 | EPS CAGR: -60.10% | SUE: -3.68 | # QB: 0
Revenue Correlation: 37.90 | Revenue CAGR: 2.18% | SUE: 2.06 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.17 | Chg30d=-0.037 | Revisions Net=+2 | Analysts=2
EPS current Year (2026-12-31): EPS=1.03 | Chg30d=+0.043 | Revisions Net=+0 | Growth EPS=+222.6% | Growth Revenue=+4.8%
EPS next Year (2027-12-31): EPS=1.34 | Chg30d=+0.075 | Revisions Net=-1 | Growth EPS=+30.6% | Growth Revenue=+9.5%