A Business at a Glance
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BCB BANCORP INC
BCBP
$175M
Mkt Cap
$10.14
+1.10%
BCB BANCORP INC (BCBP) has a current P/E ratio of 169.0, compared to its historical median P/E of 7.4. The stock is currently considered Expensive based on its historical valuation range.
BCB BANCORP INC (BCBP) has a 5-year average return on invested capital (ROIC) of 7.7%. This is below average and may indicate limited pricing power.
BCB BANCORP INC (BCBP) has a market capitalization of $176M. It is classified as a small-cap stock.
Yes, BCB BANCORP INC (BCBP) pays a dividend with a trailing twelve-month yield of 5.30%.
Based on historical P/E analysis, BCB BANCORP INC (BCBP) appears expensive. The current P/E of 169.0 is 2196% above its historical median of 7.4. The estimated fair value CAGR (P/E method) is -12.9%.
BCB BANCORP INC (BCBP) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
BCB BANCORP INC (BCBP) reported annual revenue of $182 million in its most recent fiscal year, based on SEC EDGAR filings.
TEM 1. BUSINESS BCB Bancorp, Inc. BCB Bancorp, Inc. (individually referred to herein as the “Parent Company” and together with its subsidiaries, collectively referred to herein as the “Company”) is a New Jersey corporation established in 2003 and is the holding company parent of BCB Community Bank (the “Bank”). The Company has not engaged in any significant business activity other than owning all of the outstanding common stock of BCB Community Bank. Our executive office is located at 104-110 Avenue C, Bayonne, New Jersey 07002. Our telephone number is 1-(800)-680-6872 and our website is www.bcb.bank. Information on our website is not incorporated into this Annual Report on Form 10-K. At December 31, 2025 we had $3.279 billion in consolidated assets, $2.674 billion in deposits and $304.3 million in consolidated stockholders’ equity. The Parent Company is subject to extensive regulation by the Board of Governors of the Federal Reserve System.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 103M | 182M | 197M | 192M | 133M | 121M |
| Net Income | -1.2M | -14M | 17M | 29M | 45M | 33M |
| EPS | $-0.07 | $-0.84 | $0.99 | $1.70 | $2.58 | $1.92 |
| Free Cash Flow | 35M | 35M | 67M | 31M | 40M | 46M |
| ROIC | 0.0% | -4.3% | 5.0% | 9.5% | 15.8% | 12.6% |
| Gross Margin | - | 32.8% | 42.3% | 53.0% | 84.5% | 84.3% |
| Debt/Equity | 0.00 | 0.00 | 0.12 | -0.51 | 0.21 | 0.00 |
| Dividends/Share | $0.54 | $0.64 | $0.64 | $0.64 | $0.64 | $0.57 |
| Operating Income | 463K | -18M | 26M | 41M | 63M | 48M |
| Operating Margin | 0.5% | -10.1% | 13.3% | 21.5% | 47.4% | 39.8% |
| ROE | -0.4% | -4.6% | 5.3% | 9.5% | 15.8% | 12.6% |
| Shares Outstanding | 17M | 17M | 17M | 17M | 17M | 17M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 64M | 74M | 77M | 85M | 113M | 129M | 126M | 121M | 133M | 192M | 197M | 182M | 103M |
| Gross Margin | 79.6% | 78.3% | 78.9% | 79.1% | 71.2% | 66.6% | 66.3% | 84.3% | 84.5% | 53.0% | 42.3% | 32.8% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 20M | 23M | 25M | 24M | 28M | 28M | 26M | 26M | 28M | 31M | 28M | 31M | 32M |
| EBIT | 13M | 12M | 13M | 20M | 2.5M | 30M | 29M | 48M | 63M | 41M | 26M | -18M | 463K |
| Op. Margin | 19.7% | 15.9% | 17.1% | 23.8% | 2.2% | 23.5% | 23.4% | 39.8% | 47.4% | 21.5% | 13.3% | -10.1% | 0.5% |
| Net Income | 6.8M | 6.1M | 7.1M | 9.4M | 16M | 20M | 20M | 33M | 45M | 29M | 17M | -14M | -1.2M |
| Net Margin | 10.6% | 8.2% | 9.1% | 11.0% | 14.0% | 15.3% | 15.5% | 27.3% | 33.7% | 15.0% | 8.5% | -8.0% | -1.2% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 4.4M | 371K | 0 | 0 | 4K | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 3.0% | 2.1% | 2.3% | 2.9% | 5.3% | 8.3% | 8.0% | 12.6% | 15.8% | 9.5% | 5.0% | -4.3% | 0.0% |
| ROE | 6.7% | 5.2% | 5.3% | 6.1% | 8.4% | 9.0% | 8.0% | 12.6% | 15.8% | 9.5% | 5.3% | -4.6% | -0.4% |
| ROA | 0.5% | 0.4% | 0.4% | 0.5% | 0.7% | 0.7% | 0.7% | 1.1% | 1.4% | 0.8% | 0.5% | -0.4% | -0.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 4.5M | 7.7M | 7.2M | 21M | 40M | 24M | 139M | 46M | 41M | 35M | 68M | 36M | 36M |
| Free Cash Flow | 2.7M | 4.1M | 1.2M | 19M | 38M | 22M | 138M | 46M | 40M | 31M | 67M | 35M | 35M |
| Owner Earnings | 2.9M | 5.5M | 4.7M | 18M | 37M | 20M | 135M | 42M | 38M | 33M | 65M | 33M | 15M |
| CapEx | 1.7M | 3.6M | 6.1M | 1.9M | 1.6M | 2.5M | 1.4M | 325K | 518K | 4.5M | 1.2M | 1.0M | 1.0M |
| Maint. CapEx | 1.5M | 2.1M | 2.4M | 2.5M | 2.8M | 2.9M | 3.0M | 3.0M | 2.2M | 2.0M | 1.7M | 1.6M | 20M |
| Growth CapEx | 236K | 1.4M | 3.7M | 0 | 0 | 0 | 0 | 0 | 0 | 2.5M | 0 | 0 | 0 |
| D&A | 1.5M | 2.1M | 2.4M | 2.5M | 2.8M | 2.9M | 3.0M | 3.0M | 2.2M | 2.0M | 1.7M | 1.6M | 20M |
| CapEx/OCF | 38.9% | 46.6% | 83.9% | 9.1% | 3.9% | 10.4% | 1.0% | 0.7% | 1.3% | 12.9% | 1.8% | N/A | 2.8% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 4.4M | 4.5M | 6.0M | 6.5M | 8.4M | 8.7M | 9.2M | 9.8M | 10M | 10M | 10M | 11M | 9.3M |
| Dividend Yield | 7.1% | 7.4% | 7.9% | 5.4% | 5.4% | 5.9% | 7.2% | 5.1% | 4.0% | 5.6% | 5.9% | N/A | 5.3% |
| Share Buybacks | 12K | 0 | 0 | 0 | 0 | 0 | 4.9M | 4.2M | 3.4M | 3.8M | 0 | 0 | 0 |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | N/A | N/A | 3.4% | 1.9% | 1.3% | 1.9% | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 55K | 66K | 125K | 199K | 251K | 987K | 1.2M | 417K | 1.1M | 593K | 767K | 1.0M | 843K |
| Debt Repayment | 8.0M | 26M | 55M | 55M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | 127M | 41M | 110M | -74M | -282M | -642M | -361M | -497M | -261M | -527M | -380M | -403M | -428M |
| Cash & Equiv. | 32M | 133M | 65M | 124M | 195M | 550M | 261M | 412M | 229M | 280M | 317M | 277M | 428M |
| Long-Term Debt | 133M | 200M | 155M | 185M | 32M | N/A | N/A | N/A | N/A | N/A | 39M | N/A | N/A |
| Debt/Equity | 1.55 | 1.30 | 1.34 | 0.94 | 0.17 | 0.00 | 0.00 | 0.00 | 0.21 | -0.51 | 0.12 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 102M | 134M | 131M | 176M | 200M | 239M | 249M | 274M | 291M | 314M | 324M | 304M | 307M |
| Total Assets | 1.3B | 1.6B | 1.7B | 1.9B | 2.7B | 2.9B | 2.8B | 3.0B | 3.5B | 3.8B | 3.6B | 3.3B | 3.3B |
| Total Liabilities | 1.2B | 1.5B | 1.6B | 1.8B | 2.5B | 2.7B | 2.6B | 2.7B | 3.3B | 3.5B | 3.3B | 3.0B | 3.0B |
| Intangibles | N/A | N/A | N/A | N/A | 372K | 5.5M | 0 | 0 | 0 | 0 | 0 | 0 | 53K |
| Retained Earnings | 26M | 27M | 28M | 31M | 38M | 48M | 58M | 81M | 115M | 136M | 142M | 116M | 119M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.81 | 0.69 | 0.63 | 0.75 | 1.01 | 1.20 | 1.14 | 1.92 | 2.58 | 1.70 | 0.99 | -0.84 | -0.07 |
| Owner EPS | 0.35 | 0.62 | 0.42 | 1.47 | 2.36 | 1.24 | 7.88 | 2.47 | 2.16 | 1.92 | 3.85 | 1.94 | 0.86 |
| Book Value | 12.20 | 15.07 | 11.69 | 14.13 | 12.79 | 14.60 | 14.53 | 15.90 | 16.78 | 18.55 | 19.10 | 17.68 | 17.71 |
| Cash Flow/Share | 0.54 | 0.87 | 0.65 | 1.68 | 2.56 | 1.48 | 8.12 | 2.66 | 2.36 | 2.08 | 3.99 | 2.09 | 1.10 |
| Dividends/Share | 0.53 | 0.50 | 0.54 | 0.52 | 0.56 | 0.56 | 0.56 | 0.57 | 0.64 | 0.64 | 0.64 | 0.64 | 0.54 |
| Shares Out. | 8.4M | 8.9M | 11.2M | 12.5M | 15.7M | 16.4M | 17.2M | 17.2M | 17.4M | 16.9M | 17.0M | 17.2M | 17.4M |
| Valuation | |||||||||||||
| P/E Ratio | 8.4 | 9.3 | 13.3 | 13.1 | 7.2 | 8.4 | 7.4 | 6.6 | 5.8 | 6.9 | 10.9 | N/A | -143.0 |
| P/FCF | 20.8 | 13.9 | 80.8 | 6.4 | 3.0 | 7.6 | 1.0 | 4.8 | 6.4 | 6.5 | 2.8 | N/A | 5.0 |
| EV/EBIT | 8.3 | 5.0 | 7.1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -543.7 |
| Price/Book | 0.6 | 0.4 | 0.7 | 0.7 | 0.6 | 0.7 | 0.6 | 0.8 | 0.9 | 0.6 | 0.6 | N/A | 0.6 |
| Price/Sales | 1.2 | 1.0 | 1.2 | 1.7 | 1.8 | 1.7 | 1.4 | 1.8 | 2.3 | 1.7 | 1.9 | N/A | 1.7 |
| FCF Yield | 4.8% | 7.2% | 1.2% | 15.5% | 33.9% | 13.1% | 95.9% | 21.0% | 15.6% | 15.4% | 36.2% | N/A | 19.9% |
| Market Cap | 57M | 57M | 94M | 123M | 113M | 166M | 144M | 217M | 258M | 199M | 184M | 0 | 176M |
| Avg. Price | 7.41 | 6.83 | 6.81 | 9.68 | 9.86 | 9.06 | 7.52 | 11.16 | 14.99 | 10.99 | 10.39 | 0.00 | 10.14 |
| Year-End Price | 6.83 | 6.43 | 8.38 | 9.85 | 7.25 | 10.11 | 8.39 | 12.59 | 14.89 | 11.74 | 10.83 | 0.00 | 10.14 |
BCB BANCORP INC passes 2 of 9 quality checks, indicating weak fundamentals.
BCB BANCORP INC trades at 169.0x trailing earnings, compared to its 15-year median P/E of 7.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 5.8x vs a median of 6.4x. The company's 5-year average ROIC is 7.7% with a gross margin of 59.4%. Total shareholder yield (dividends) is 5.3%. At current prices, the estimated annualized return to fair value is -6.9%.
BCB BANCORP INC (BCBP) has a net profit margin of -8.0%. The company is currently unprofitable.
BCB BANCORP INC (BCBP) generated $35 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
BCB BANCORP INC (BCBP) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
BCB BANCORP INC (BCBP) reported earnings per share (EPS) of $-0.84 in its most recent fiscal year.
BCB BANCORP INC (BCBP) has a return on equity (ROE) of -4.6%. A negative ROE may indicate losses or negative equity.
BCB BANCORP INC (BCBP) has a 5-year average gross margin of 59.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for BCB BANCORP INC (BCBP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
BCB BANCORP INC (BCBP) has a book value per share of $17.68, based on its most recent annual SEC filing.