8-K Announcements
6Apr 22, 2026·SEC
Feb 24, 2026·SEC
Jan 30, 2026·SEC
BCB Bancorp, Inc. (BCBP) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
BCB Bancorp, Inc. (BCBP) stock price & volume — 10-year historical chart
BCB Bancorp, Inc. (BCBP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
BCB Bancorp, Inc. (BCBP) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.26vs $0.25+4.0% | $25Mvs $26M-3.3% |
| Q2 2026 | Mar 9, 2026 | $0.70 | $29M |
| Q1 2026 | Jan 30, 2026 | $0.73vs $0.80+8.2% | $26Mvs $18M+44.6% |
| Q4 2025 | Oct 27, 2025 | $0.22vs $0.21+4.8% | $26Mvs $25M+4.9% |
BCB Bancorp, Inc. (BCBP) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
BCB Bancorp, Inc. (BCBP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BCB Bancorp, Inc. (BCBP) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 61.88M | 77.68M | 82.6M | 77.58M | 96.43M | 110.81M | 90.37M | 75.39M | 93.04M |
| NII Growth % | 12.39% | 25.53% | 6.34% | -6.09% | 24.31% | 14.91% | -18.45% | -16.57% | 23.41% |
| Net Interest Margin % | 3.19% | 2.9% | 2.84% | 2.75% | 3.25% | 3.12% | 2.36% | 2.09% | 2.84% |
| Interest Income | 77.57M | 105.1M | 123.56M | 110.59M | 111.61M | 128.31M | 174.66M | 177.38M | 172.96M |
| Interest Expense | 15.69M | 27.42M | 40.95M | 33.02M | 15.18M | 17.5M | 84.3M | 101.99M | 79.92M |
| Loan Loss Provision | 2.11M | 5.13M | 2.07M | 9.44M | 3.85M | -3.08M | 6.1M | 11.57M | 42.01M |
| Non-Interest Income | 7.48M | 7.96M | 5.39M | 10.95M | 9.28M | 4.73M | 17.78M | 19.57M | -6.52M |
| Non-Interest Income % | 8.8% | 7.04% | 4.18% | 9.01% | 7.68% | 3.55% | 9.24% | 9.94% | -3.92% |
| Total Revenue | 85.05M▲ 0% | 113.06M▲ 32.9% | 128.95M▲ 14.1% | 121.54M▼ 5.7% | 120.9M▼ 0.5% | 133.04M▲ 10.0% | 192.45M▲ 44.7% | 196.95M▲ 2.3% | 166.44M▼ 15.5% |
| Revenue Growth % | 9.78% | 32.92% | 14.05% | -5.75% | -0.53% | 10.04% | 44.66% | 2.34% | -15.49% |
| Non-Interest Expense | 47.04M | 56.27M | 55.58M | 49.66M | 53.6M | 55.51M | 60.59M | 57.12M | 62.81M |
| Efficiency Ratio | 55.31% | 49.77% | 43.11% | 40.86% | 44.34% | 41.72% | 31.48% | 29% | 37.74% |
| Operating Income | 20.21M▲ 0% | 24.25M▲ 19.9% | 30.34M▲ 25.2% | 29.42M▼ 3.0% | 48.26M▲ 64.0% | 63.11M▲ 30.8% | 41.45M▼ 34.3% | 26.27M▼ 36.6% | -18.3M▼ 169.7% |
| Operating Margin % | 23.76% | 21.44% | 23.53% | 24.21% | 39.92% | 47.44% | 21.54% | 13.34% | -10.99% |
| Operating Income Growth % | 52.42% | 19.95% | 25.15% | -3.03% | 64.01% | 30.78% | -34.31% | -36.63% | -169.65% |
| Pretax Income | 20.21M▲ 0% | 24.25M▲ 19.9% | 30.34M▲ 25.2% | 29.42M▼ 3.0% | 48.26M▲ 64.0% | 63.11M▲ 30.8% | 41.45M▼ 34.3% | 26.27M▼ 36.6% | -18.3M▼ 169.7% |
| Pretax Margin % | 23.76% | 21.44% | 23.53% | 24.21% | 39.92% | 47.44% | 21.54% | 13.34% | -10.99% |
| Income Tax | 10.23M | 7.48M | 9.31M | 8.57M | 14.02M | 17.53M | 11.97M | 7.65M | -5.77M |
| Effective Tax Rate % | 50.62% | 30.86% | 30.68% | 29.11% | 29.05% | 27.78% | 28.88% | 29.11% | 31.54% |
| Net Income | 9.98M▲ 0% | 16.76M▲ 67.9% | 21.03M▲ 25.5% | 20.86M▼ 0.8% | 34.24M▲ 64.2% | 45.58M▲ 33.1% | 29.48M▼ 35.3% | 18.62M▼ 36.8% | -12.53M▼ 167.3% |
| Net Margin % | 11.74% | 14.83% | 16.31% | 17.16% | 28.32% | 34.26% | 15.32% | 9.46% | -7.53% |
| Net Income Growth % | 24.73% | 67.93% | 25.48% | -0.84% | 64.17% | 33.12% | -35.31% | -36.83% | -167.27% |
| Net Income (Continuing) | 9.98M | 16.76M | 21.03M | 20.86M | 34.24M | 45.58M | 29.48M | 18.62M | -12.53M |
| EPS (Diluted) | 0.75▲ 0% | 1.01▲ 34.7% | 1.20▲ 18.8% | 1.14▼ 5.0% | 1.92▲ 68.4% | 2.58▲ 34.4% | 1.70▼ 34.1% | 0.99▼ 41.8% | -0.84▼ 184.8% |
| EPS Growth % | 19.05% | 34.67% | 18.81% | -5% | 68.42% | 34.38% | -34.11% | -41.76% | -184.85% |
| EPS (Basic) | 0.76 | 1.02 | 1.20 | 1.14 | 1.94 | 2.64 | 1.71 | 0.99 | -0.84 |
| Diluted Shares Outstanding | 12.51M | 15.66M | 16.42M | 17.23M | 17.24M | 17.35M | 16.93M | 17.02M | 17.19M |
BCB Bancorp, Inc. (BCBP) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 239.51M | 315.33M | 642.7M | 361.72M | 497.55M | 321.81M | 279.52M | 318.02M | 140.19M |
| Cash & Due from Banks | 125.22M | 196M | 551.09M | 261.96M | 412.36M | 230.09M | 279.52M | 318.02M | 13.79M |
| Short Term Investments | 114.3M | 119.33M | 91.61M | 99.76M | 85.19M | 91.72M | 0 | 0 | 126.39M |
| Total Investments | 1.78B | 2.41B | 2.28B | 2.42B | 2.42B | 3.16B | 3.38B | 3.11B | 3.11B |
| Investments Growth % | 12.11% | 35.95% | -5.73% | 6.16% | 0.01% | 30.59% | 7.05% | -8.01% | 0.06% |
| Long-Term Investments | 1.66B | 2.29B | 2.18B | 2.32B | 2.33B | 3.06B | 3.38B | 3.11B | 3.11B |
| Accounts Receivables | 6.15M | 8.38M | 8.32M | 12.92M | 9.18M | 13.46M | 16.07M | 15.18M | 2.7B |
| Goodwill & Intangibles | 0 | 0 | 5.55M | 5.49M | 5.43M | 0 | 5.25M | 0 | 5.25M |
| Goodwill | 0 | 0 | 5.25M | 5.25M | 5.25M | 0 | 0 | 0 | 5.25M |
| Intangible Assets | 0 | 0 | 298K | 234K | 178K | 0 | 5.25M | 0 | 0 |
| PP&E (Net) | 18.77M | 20.29M | 33.17M | 30.26M | 24.69M | 24.03M | 25.99M | 25.25M | 22.72M |
| Other Assets | 11.7M | 16.53M | 22.23M | 81.78M | 86.63M | 101.38M | 113.17M | 110.79M | -3.11B |
| Total Current Assets | 245.66M | 323.71M | 651.02M | 374.64M | 506.73M | 335.26M | 295.6M | 333.19M | 2.85B |
| Total Non-Current Assets | 1.7B | 2.35B | 2.26B | 2.45B | 2.46B | 3.21B | 3.54B | 3.27B | 27.97M |
| Total Assets | 1.94B▲ 0% | 2.67B▲ 37.7% | 2.91B▲ 8.7% | 2.82B▼ 3.0% | 2.97B▲ 5.2% | 3.55B▲ 19.5% | 3.83B▲ 8.1% | 3.6B▼ 6.1% | 3.28B▼ 8.9% |
| Asset Growth % | 13.74% | 37.67% | 8.7% | -2.97% | 5.19% | 19.5% | 8.07% | -6.09% | -8.88% |
| Return on Assets (ROA) | 0.55% | 0.73% | 0.75% | 0.73% | 1.18% | 1.4% | 0.8% | 0.5% | -0.36% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 189.12M | 282.38M | 295.99M | 243.43M | 121.74M | 433.63M | 523.75M | 511.46M | 300.49M |
| Net Debt | 63.91M | 86.38M | -255.1M | -18.54M | -290.63M | 203.53M | 243.49M | 193.44M | 286.7M |
| Long-Term Debt | 189.12M | 282.38M | 282.61M | 228.2M | 108.99M | 419.77M | 492.44M | 277.96M | 278.21M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 18M | 220.36M | 11.14M |
| Other Liabilities | 7.89M | 11.41M | 9.94M | 10.33M | 10.36M | 9.7M | 15.51M | 12.87M | 2.7B |
| Total Current Liabilities | 1.57B | 2.18B | 2.36B | 2.32B | 2.56B | 2.81B | 3B | 2.97B | 11.14M |
| Total Non-Current Liabilities | 197.01M | 293.79M | 305.93M | 253.75M | 132.1M | 443.33M | 521.26M | 303.97M | 2.98B |
| Total Liabilities | 1.77B | 2.47B | 2.67B | 2.57B | 2.69B | 3.25B | 3.52B | 3.28B | 2.98B |
| Total Equity | 176.45M▲ 0% | 200.22M▲ 13.5% | 239.47M▲ 19.6% | 249.21M▲ 4.1% | 274.02M▲ 10.0% | 291.25M▲ 6.3% | 314.06M▲ 7.8% | 323.93M▲ 3.1% | 304.28M▼ 6.1% |
| Equity Growth % | 34.61% | 13.47% | 19.61% | 4.07% | 9.96% | 6.29% | 7.83% | 3.14% | -6.06% |
| Equity / Assets (Capital Ratio) | 9.08% | 7.49% | 8.24% | 8.83% | 9.23% | 8.21% | 8.19% | 9% | 9.28% |
| Return on Equity (ROE) | 6.49% | 8.9% | 9.57% | 8.54% | 13.09% | 16.13% | 9.74% | 5.84% | -3.99% |
| Book Value per Share | 14.11 | 12.78 | 14.58 | 14.47 | 15.90 | 16.79 | 18.55 | 19.03 | 17.71 |
| Tangible BV per Share | 14.11 | 12.78 | 14.24 | 14.15 | 15.58 | 16.79 | 18.24 | 19.03 | 17.40 |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Additional Paid-in Capital | 177.47M | 195.21M | 215.31M | 218M | 222.85M | 217.17M | 223.97M | 225.66M | 203.43M |
| Retained Earnings | 31.24M | 38.41M | 48.43M | 58.34M | 81.17M | 115.11M | 135.93M | 141.85M | 116.42M |
| Accumulated OCI | -3.14M | -5.08M | -2.22M | -205K | 1.13M | -6.49M | -7.49M | -5.24M | -2.46M |
| Treasury Stock | -29.12M | -28.32M | -22.05M | -26.92M | -31.13M | -34.53M | -38.35M | -38.35M | -38.35M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25.24M |
BCB Bancorp, Inc. (BCBP) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 21.03M | 40.03M | 24.27M | 139.34M | 45.89M | 40.89M | 35.16M | 67.73M | 35.92M |
| Operating CF Growth % | 190.48% | 90.3% | -39.37% | 474.22% | -67.07% | -10.9% | -14.02% | 92.64% | -46.97% |
| Net Income | 9.98M | 16.76M | 21.03M | 20.86M | 34.24M | 45.58M | 29.48M | 18.62M | -12.53M |
| Depreciation & Amortization | 1.06M | -175K | -152K | 442K | 2.22M | 639K | -555K | 249K | 0 |
| Deferred Taxes | 3.93M | -2.08M | 1.28M | -2.01M | -975K | -1.01M | -2.54M | 258K | 0 |
| Other Non-Cash Items | 3.37M | 26.18M | 1.56M | 123.52M | 3.02M | 817K | 7.01M | 49.1M | 50.1M |
| Working Capital Changes | 2.49M | -911K | -440K | -4.65M | 6.97M | -6.27M | 1.17M | -1.27M | -1.66M |
| Cash from Investing | -182.92M | -466.2M | 135.1M | -315.49M | -7.67M | -761.5M | -233.32M | 222.77M | 232.38M |
| Purchase of Investments | -75.07M | -16.37M | -1.15M | -77.1M | -26.14M | -27.47M | -12.5M | -15.22M | 0 |
| Sale/Maturity of Investments | 49.25M | 23.29M | 37.52M | 59.33M | 32.6M | 11.33M | 19.98M | 3.77M | 0 |
| Net Investment Activity | -25.83M | 6.92M | 36.37M | -17.77M | 6.46M | -16.13M | 7.48M | -11.46M | 0 |
| Acquisitions | 0 | 5.05M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -155.19M | -476.6M | 101.25M | -296.34M | -13.8M | -744.85M | -236.27M | 235.45M | 232.38M |
| Cash from Financing | 221.09M | 497.2M | 195.72M | -112.98M | 112.17M | 538.34M | 248.33M | -252.74M | -309M |
| Dividends Paid | -7.16M | -9.36M | -10.06M | -10.53M | -10.94M | -11.18M | -11.14M | -12.28M | -12.55M |
| Share Repurchases | -13K | 0 | 0 | -4.87M | -4.21M | -3.41M | -3.82M | 0 | 0 |
| Stock Issued | 43.31M | 467K | 19.11M | 357K | 478K | 419K | 1.35M | 824K | 1.64M |
| Net Stock Activity | 43.3M | 467K | 19.11M | -4.51M | -3.73M | -2.99M | -2.46M | 824K | 1.64M |
| Debt Issuance (Net) | 1000K | 1000K | 0 | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | 177.17M | 432.96M | 181.35M | -44.01M | 243.64M | 250.43M | 167.89M | -228.22M | -77.28M |
| Net Change in Cash | 59.2M▲ 0% | 71.03M▲ 20.0% | 355.09M▲ 399.9% | -289.12M▼ 181.4% | 150.4M▲ 152.0% | -182.27M▼ 221.2% | 50.16M▲ 127.5% | 37.76M▼ 24.7% | -40.7M▼ 207.8% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 40.7M |
| Cash at Beginning | 65.04M | 124.23M | 195.26M | 550.35M | 261.23M | 411.63M | 229.36M | 279.52M | 317.28M |
| Cash at End | 124.23M | 195.26M | 550.35M | 261.23M | 411.63M | 229.36M | 279.52M | 317.28M | 276.58M |
| Interest Paid | 15.72M | 25.64M | 40.8M | 34.26M | 15.59M | 15.47M | 81.59M | 102.57M | 81.06M |
| Income Taxes Paid | 4.29M | 9.16M | 10.09M | 12.65M | 12.02M | 18.8M | 18.03M | 6.88M | 1.8M |
| Free Cash Flow | 19.13M▲ 0% | 38.46M▲ 101.1% | 21.75M▼ 43.4% | 137.96M▲ 534.2% | 45.57M▼ 67.0% | 40.37M▼ 11.4% | 30.63M▼ 24.1% | 66.5M▲ 117.1% | 34.84M▼ 47.6% |
| FCF Growth % | 1543.13% | 101.09% | -43.44% | 534.17% | -66.97% | -11.4% | -24.13% | 117.11% | -47.61% |
BCB Bancorp, Inc. (BCBP) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.05% | 6.49% | 8.9% | 9.57% | 8.54% | 13.09% | 16.13% | 9.74% | 5.84% | -3.99% |
| Return on Assets (ROA) | 0.48% | 0.55% | 0.73% | 0.75% | 0.73% | 1.18% | 1.4% | 0.8% | 0.5% | -0.36% |
| Net Interest Margin | 3.22% | 3.19% | 2.9% | 2.84% | 2.75% | 3.25% | 3.12% | 2.36% | 2.09% | 2.84% |
| Efficiency Ratio | 61.82% | 55.31% | 49.77% | 43.11% | 40.86% | 44.34% | 41.72% | 31.48% | 29% | 37.74% |
| Equity / Assets | 7.67% | 9.08% | 7.49% | 8.24% | 8.83% | 9.23% | 8.21% | 8.19% | 9% | 9.28% |
| Book Value / Share | 11.65 | 14.11 | 12.78 | 14.58 | 14.47 | 15.9 | 16.79 | 18.55 | 19.03 | 17.71 |
| NII Growth | 2.89% | 12.39% | 25.53% | 6.34% | -6.09% | 24.31% | 14.91% | -18.45% | -16.57% | 23.41% |
| Dividend Payout | 75.17% | 65.56% | 50.12% | 41.43% | 44.23% | 28.55% | 22.77% | 35.41% | 56.08% | - |
BCB Bancorp, Inc. (BCBP) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Feb 24, 2026·SEC
Jan 30, 2026·SEC
BCB Bancorp, Inc. (BCBP) stock FAQ — growth, dividends, profitability & financials explained
BCB Bancorp, Inc. (BCBP) saw revenue decline by 15.5% over the past year.
BCB Bancorp, Inc. (BCBP) reported a net loss of $12.5M for fiscal year 2025.
Yes, BCB Bancorp, Inc. (BCBP) pays a dividend with a yield of 6.18%. This makes it attractive for income-focused investors.
BCB Bancorp, Inc. (BCBP) has a return on equity (ROE) of -4.0%. Negative ROE indicates the company is unprofitable.
BCB Bancorp, Inc. (BCBP) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
BCB Bancorp, Inc. (BCBP) has an efficiency ratio of 37.7%. This is excellent, indicating strong cost control.
BCB Bancorp, Inc. (BCBP) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates