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BCB Bancorp Inc (BCBP) stock analysis

BCBPNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 6/30
$9.14−0.03 (-0.33%)

Close on Nov 11, 2026Market cap $165.45MP/E –Yield 7.00%

StockData Score

Prices as of Nov 11, 2026How the score works

Value2Growth0Performance0Health1Dividend3

Weak6 of 30 checks passed

BCB Bancorp passes 6 of the 30 checks behind our score; 13 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
0/6
Past performance
0/6
Financial health
1/6
Dividend
3/6

What stands out

  • Covered by free cash flow

    Dividends take 17.6% of free cash flow.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 9 fiscal years.

  • Well capitalized

    Equity is 8.1% of total assets; 8% or more is a comfortable cushion.

  • P/S below the industry

    BCB Bancorp's price-to-sales of 1.63 is below the Savings Institutions median of 3.77.

What to watch

  • Return on equity under 15%

    Return on equity was -54.7% over the last twelve months and averaged 8.2% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -4.2% a year over the last three fiscal years, short of the 10% we look for.

  • Growing slower than the industry

    Revenue grew 3.2% over the last twelve months; the Savings Institutions median is 9.0%.

  • Return on assets under 1%

    Return on assets was -4.8%; for a bank or insurer, 1% or more is considered good.

Valuation2/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    BCB Bancorp's price-to-sales of 1.63 is below the Savings Institutions median of 3.77.

  • P/B below the industry

    BCB Bancorp's price-to-book of 0.67 is below the Savings Institutions median of 1.04.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew -4.2% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew 3.2% over the last twelve months; the Savings Institutions median is 9.0%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity under 15%

    Return on equity was -54.7% over the last twelve months and averaged 8.2% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was -4.8%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    BCB Bancorp's return on equity of -54.7% is below the Savings Institutions median of 6.1%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin below its 5-year average

    Net margin was -152% over the last twelve months, against a 5-year average of 21.3%.

  • Net margin below the industry

    BCB Bancorp's net margin of -152% is below the Savings Institutions median of 20.3%.

Financial health1/6

  • Well capitalized

    Equity is 8.1% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • High cost base

    Non-interest expense takes 89.3% of revenue; under 60% is efficient for a bank.

  • Deposits shrinking

    Deposits fell 2.9% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend3/6

  • Pays a dividend

    BCB Bancorp paid dividends worth 1.8% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.8% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; BCB Bancorp yields 1.8%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 9 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Covered by free cash flow

    Dividends take 17.6% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for BCB Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 8.7
  • Savings Institutions median 13.7

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$2.37M
Value traded per 1% price move
$1.93M

Downside

Medium risk

Typical loss in a bad month
15.6%
Volatility (annualized)
30%
Sharpe ratio, 1 year
0.46
Beta to the S&P 500 (5Y)
0.54

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

-12.3%−34.8 pts over 5 years

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