BCB Bancorp, Inc. (BCBP) 10-Year Financial Performance & Capital Metrics

BCBP • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutBCB 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.Show more

Net Interest Income $75M -16.6%
Total Revenue $197M +2.3%
Net Income $19M -36.8%
Return on Equity 5.84% -40.1%
Net Interest Margin 2.09% -11.2%
Efficiency Ratio 29% -7.9%
ROA 0.5% -37.3%
Equity / Assets 9% +9.8%
Book Value per Share 19.03 +2.6%
Tangible BV/Share 19.03 +4.4%
Debt/Equity 1.58 -5.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 29.0% efficiency ratio
✓Trading at only 0.4x book value

✗Weaknesses

✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y11.87%

5Y8.84%

3Y17.66%

TTM-

Profit (Net Income) CAGR

10Y9.39%

5Y-2.41%

3Y-18.37%

TTM-87.05%

EPS CAGR

10Y2.03%

5Y-3.77%

3Y-19.81%

TTM-95.73%

ROCE

10Y Avg6.18%

5Y Avg7.23%

3Y Avg6.65%

Latest3.59%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	53.51M	55.06M	61.88M	77.68M	82.6M	77.58M	96.43M	110.81M	90.37M	75.39M
NII Growth %	0.07%	0.03%	0.12%	0.26%	0.06%	-0.06%	0.24%	0.15%	-0.18%	-0.17%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	67.38M	71.36M	77.57M	105.1M	123.56M	110.59M	111.61M	128.31M	174.66M	177.38M
Interest Expense	13.87M	16.3M	15.69M	27.42M	40.95M	33.02M	15.18M	17.5M	84.3M	101.99M
Loan Loss Provision	2.28M	27K	2.11M	5.13M	2.07M	9.44M	3.85M	-3.08M	6.1M	11.57M
Non-Interest Income+	7.07M	6.12M	7.48M	7.96M	5.39M	10.95M	9.28M	4.73M	17.78M	19.57M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	74.44M	77.48M	85.05M	113.06M	128.95M	121.54M	120.9M	133.04M	192.45M	196.95M
Revenue Growth %	0.16%	0.04%	0.1%	0.33%	0.14%	-0.06%	-0.01%	0.1%	0.45%	0.02%
Non-Interest Expense	46.45M	47.9M	47.04M	56.27M	55.58M	49.66M	53.6M	55.51M	60.59M	57.12M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	11.84M	13.26M	20.21M	24.25M	30.34M	29.42M	48.26M	63.11M	41.45M	26.27M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.06%	0.12%	0.52%	0.2%	0.25%	-0.03%	0.64%	0.31%	-0.34%	-0.37%
Pretax Income+	11.84M	13.26M	20.21M	24.25M	30.34M	29.42M	48.26M	63.11M	41.45M	26.27M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	4.81M	5.26M	10.23M	7.48M	9.31M	8.57M	14.02M	17.53M	11.97M	7.65M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	7.03M	8M	9.98M	16.76M	21.03M	20.86M	34.24M	45.58M	29.48M	18.62M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.07%	0.14%	0.25%	0.68%	0.25%	-0.01%	0.64%	0.33%	-0.35%	-0.37%
Net Income (Continuing)	7.03M	8M	9.98M	16.76M	21.03M	20.86M	34.24M	45.58M	29.48M	18.62M
EPS (Diluted)+	0.69	0.63	0.75	1.01	1.20	1.14	1.92	2.58	1.70	0.99
EPS Growth %	-0.15%	-0.09%	0.19%	0.35%	0.19%	-0.05%	0.68%	0.34%	-0.34%	-0.42%
EPS (Basic)	0.69	0.63	0.76	1.02	1.20	1.14	1.94	2.64	1.71	0.99
Diluted Shares Outstanding	8.88M	11.25M	12.51M	15.66M	16.42M	17.23M	17.24M	17.35M	16.93M	17.02M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	133.87M	66.02M	125.22M	196M	551.09M	261.96M	412.36M	230.09M	279.52M	318.02M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0	0
Total Investments+	1.43B	1.58B	1.78B	2.41B	2.28B	2.42B	2.42B	3.16B	3.38B	3.11B
Investments Growth %	0.17%	0.11%	0.12%	0.36%	-0.06%	0.06%	0%	0.31%	0.07%	-0.08%
Long-Term Investments	1.42B	1.49B	1.66B	2.29B	2.18B	2.32B	2.33B	3.06B	3.38B	3.11B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	5.25M	5.25M	5.25M	0	0	0
Intangible Assets	0	0	0	0	298K	234K	178K	0	5.25M	0
PP&E (Net)	15.73M	19.38M	18.77M	20.29M	33.17M	30.26M	24.69M	24.03M	25.99M	25.25M
Other Assets	21.61M	23.2M	11.7M	16.53M	22.23M	81.78M	86.63M	101.38M	113.17M	110.79M
Total Current Assets	149.09M	166.36M	245.66M	323.71M	651.02M	374.64M	506.73M	335.26M	295.6M	333.19M
Total Non-Current Assets	1.47B	1.54B	1.7B	2.35B	2.26B	2.45B	2.46B	3.21B	3.54B	3.27B
Total Assets+	1.62B	1.71B	1.94B	2.67B	2.91B	2.82B	2.97B	3.55B	3.83B	3.6B
Asset Growth %	0.24%	0.06%	0.14%	0.38%	0.09%	-0.03%	0.05%	0.19%	0.08%	-0.06%
Return on Assets (ROA)	0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	204.12M	179.12M	189.12M	282.38M	295.99M	243.43M	121.74M	433.63M	523.75M	511.46M
Net Debt	70.25M	113.11M	63.91M	86.38M	-255.1M	-18.54M	-290.63M	203.53M	243.49M	193.44M
Long-Term Debt	204.12M	159.12M	189.12M	282.38M	282.61M	228.2M	108.99M	419.77M	492.44M	277.96M
Short-Term Debt	0	20M	0	0	0	0	0	0	18M	220.36M
Other Liabilities	6.81M	5.8M	7.89M	11.41M	9.94M	10.33M	10.36M	9.7M	15.51M	12.87M
Total Current Liabilities	1.27B	1.41B	1.57B	2.18B	2.36B	2.32B	2.56B	2.81B	3B	2.97B
Total Non-Current Liabilities	210.93M	164.92M	197.01M	293.79M	305.93M	253.75M	132.1M	443.33M	521.26M	303.97M
Total Liabilities	1.48B	1.58B	1.77B	2.47B	2.67B	2.57B	2.69B	3.25B	3.52B	3.28B
Total Equity+	133.54M	131.08M	176.45M	200.22M	239.47M	249.21M	274.02M	291.25M	314.06M	323.93M
Equity Growth %	0.31%	-0.02%	0.35%	0.13%	0.2%	0.04%	0.1%	0.06%	0.08%	0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.06%	0.06%	0.09%	0.1%	0.09%	0.13%	0.16%	0.1%	0.06%
Book Value per Share	15.05	11.65	14.11	12.78	14.58	14.47	15.90	16.79	18.55	19.03
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	879K	0	0	0	0	0	0	0	0	0
Additional Paid-in Capital	136.86M	135.88M	177.47M	195.21M	215.31M	218M	222.85M	217.17M	223.97M	225.66M
Retained Earnings	27.38M	28.16M	31.24M	38.41M	48.43M	58.34M	81.17M	115.11M	135.93M	141.85M
Accumulated OCI	-1.6M	-3.86M	-3.14M	-5.08M	-2.22M	-205K	1.13M	-6.49M	-7.49M	-5.24M
Treasury Stock	-29.1M	-29.1M	-29.12M	-28.32M	-22.05M	-26.92M	-31.13M	-34.53M	-38.35M	-38.35M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	7.69M	7.24M	21.03M	40.03M	24.27M	139.34M	45.89M	40.89M	35.16M	67.73M
Operating CF Growth %	0.71%	-0.06%	1.9%	0.9%	-0.39%	4.74%	-0.67%	-0.11%	-0.14%	0.93%
Net Income	7.03M	8M	9.98M	16.76M	21.03M	20.86M	34.24M	45.58M	29.48M	18.62M
Depreciation & Amortization	1.7M	617K	1.06M	-175K	-152K	442K	2.22M	639K	-555K	249K
Deferred Taxes	2K	1.49M	3.93M	-2.08M	1.28M	-2.01M	-975K	-1.01M	-2.54M	258K
Other Non-Cash Items	3.79M	-1.49M	3.37M	26.18M	1.56M	123.52M	3.02M	817K	7.01M	49.1M
Working Capital Changes	-4.89M	-1.5M	2.49M	-911K	-440K	-4.65M	6.97M	-6.27M	1.17M	-1.27M
Cash from Investing+	-218.01M	-159.78M	-182.92M	-466.2M	135.1M	-315.49M	-7.67M	-761.5M	-233.32M	222.77M
Purchase of Investments	-1.17M	-95.72M	-75.07M	-16.37M	-1.15M	-77.1M	-26.14M	-27.47M	-12.5M	-15.22M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	5.05M	0	0	0	0	0	0
Other Investing	-214.41M	-64.14M	-155.19M	-476.6M	101.25M	-296.34M	-13.8M	-744.85M	-236.27M	235.45M
Cash from Financing+	310.83M	84.94M	221.09M	497.2M	195.72M	-112.98M	112.17M	538.34M	248.33M	-252.74M
Dividends Paid	-5.38M	-6.95M	-7.16M	-9.36M	-10.06M	-10.53M	-10.94M	-11.18M	-11.14M	-12.28M
Share Repurchases	0	-7K	-13K	0	0	-4.87M	-4.21M	-3.41M	-3.82M	0
Stock Issued	25.99M	336K	43.31M	467K	19.11M	357K	478K	419K	1.35M	824K
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	0	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	245.37M	118.28M	177.17M	432.96M	181.35M	-44.01M	243.64M	250.43M	167.89M	-228.22M
Net Change in Cash+	100.51M	-67.6M	59.2M	71.03M	355.09M	-289.12M	150.4M	-182.27M	50.16M	37.76M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	32.12M	132.63M	65.04M	124.23M	195.26M	550.35M	261.23M	411.63M	229.36M	279.52M
Cash at End	132.63M	65.04M	124.23M	195.26M	550.35M	261.23M	411.63M	229.36M	279.52M	317.28M
Interest Paid	13.63M	16.52M	15.72M	25.64M	40.8M	34.26M	15.59M	15.47M	81.59M	102.57M
Income Taxes Paid	2.38M	5.32M	4.29M	9.16M	10.09M	12.65M	12.02M	18.8M	18.03M	6.88M
Free Cash Flow+	4.11M	1.16M	19.13M	38.46M	21.75M	137.96M	45.57M	40.37M	30.63M	66.5M
FCF Growth %	0.49%	-0.72%	15.43%	1.01%	-0.43%	5.34%	-0.67%	-0.11%	-0.24%	1.17%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.96%	6.05%	6.49%	8.9%	9.57%	8.54%	13.09%	16.13%	9.74%	5.84%
Return on Assets (ROA)	0.48%	0.48%	0.55%	0.73%	0.75%	0.73%	1.18%	1.4%	0.8%	0.5%
Net Interest Margin	3.31%	3.22%	3.19%	2.9%	2.84%	2.75%	3.25%	3.12%	2.36%	2.09%
Efficiency Ratio	62.4%	61.82%	55.31%	49.77%	43.11%	40.86%	44.34%	41.72%	31.48%	29%
Equity / Assets	8.25%	7.67%	9.08%	7.49%	8.24%	8.83%	9.23%	8.21%	8.19%	9%
Book Value / Share	15.05	11.65	14.11	12.78	14.58	14.47	15.9	16.79	18.55	19.03
NII Growth	7.26%	2.89%	12.39%	25.53%	6.34%	-6.09%	24.31%	14.91%	-18.45%	-16.57%
Dividend Payout	63.46%	75.17%	65.56%	50.12%	41.43%	44.23%	28.55%	22.77%	35.41%	56.08%

Frequently Asked Questions

Valuation & Price

BCB Bancorp, Inc. (BCBP) has a price-to-earnings (P/E) ratio of 8.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

BCB Bancorp, Inc. (BCBP) grew revenue by 2.3% over the past year. Growth has been modest.

Yes, BCB Bancorp, Inc. (BCBP) is profitable, generating $2.8M in net income for fiscal year 2024 (9.5% net margin).

Dividend & Returns

Yes, BCB Bancorp, Inc. (BCBP) pays a dividend with a yield of 7.60%. This makes it attractive for income-focused investors.

BCB Bancorp, Inc. (BCBP) has a return on equity (ROE) of 5.8%. This is below average, suggesting room for improvement.

Industry Metrics

BCB Bancorp, Inc. (BCBP) has a net interest margin (NIM) of 2.1%. NIM has been under pressure due to interest rate environment.

BCB Bancorp, Inc. (BCBP) has an efficiency ratio of 29.0%. This is excellent, indicating strong cost control.

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