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BCBP logoBCB Bancorp, Inc.(BCBP)Earnings, Financials & Key Ratios

BCBP•NASDAQ•Banking & Credit
$10.00
$174M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
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$93M+23.4%
  • Total Revenue$166M-15.5%
  • Net Income-$13M-167.3%
  • Return on Equity-3.99%-168.3%
  • Net Interest Margin2.84%+35.4%
  • Efficiency Ratio37.74%+30.1%
  • ROA-0.36%-172.7%
  • Equity / Assets9.28%+3.1%
  • Book Value per Share17.71-7.0%
  • Tangible BV/Share17.40-8.6%
  • Debt/Equity0.99-37.5%
Technical→

BCBP Key Insights

BCB Bancorp, Inc. (BCBP) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 37.7% efficiency ratio
  • ✓Trading near 52-week high
  • ✓Trading at only 0.6x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 3.9%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BCBP Price & Volume

BCB Bancorp, Inc. (BCBP) stock price & volume — 10-year historical chart

Loading chart...

BCBP Growth Metrics

BCB Bancorp, Inc. (BCBP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.38%
5 Years6.49%
3 Years7.75%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-167.27%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-185.71%

Return on Capital

10 Years5.68%
5 Years5.92%
3 Years2.64%
Last Year-0.94%

BCBP Recent Earnings

BCB Bancorp, Inc. (BCBP) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (27%)●Beat Revenue 4/12 qtrs (36%)
Q2 2026Latest
Apr 21, 2026
EPS
$0.26
Est $0.25
+4.0%
Revenue
$25M
Est $26M
-3.3%
Q2 2026
Mar 9, 2026
EPS
$0.70
Revenue
$29M
Q1 2026
Jan 30, 2026
EPS
$0.73
Est $0.80
+8.2%
Revenue
$26M
Est $18M
+44.6%
Q4 2025
Oct 27, 2025
EPS
$0.22
Est $0.21
+4.8%
Revenue
$26M
Est $25M
+4.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$0.26vs $0.25+4.0%
$25Mvs $26M-3.3%
Q2 2026Mar 9, 2026
$0.70
$29M
Q1 2026Jan 30, 2026
$0.73vs $0.80+8.2%
$26Mvs $18M+44.6%
Q4 2025Oct 27, 2025
$0.22vs $0.21+4.8%
$26Mvs $25M+4.9%
Based on last 12 quarters of dataView full earnings history →

BCBP Peer Comparison

BCB Bancorp, Inc. (BCBP) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
OCFC logoOCFCOceanFirst Financial Corp.Direct Competitor1.09B19.0416.27-4.7%4.26%0.98
KRNY logoKRNYKearny Financial Corp.Direct Competitor510.29M8.1219.325.09%4.31%1.68
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
CTBI logoCTBICommunity Trust Bancorp, Inc.Product Competitor1.2B66.2714.3815.23%11.22%0.42
FUNC logoFUNCFirst United CorporationProduct Competitor243.7M37.5111.9116.94%12.52%1.05
MBIN logoMBINMerchants BancorpProduct Competitor2.15B46.6712.35-5.65%9.89%1.68
NFBK logoNFBKNorthfield Bancorp, Inc.Product Competitor587.44M14.0519.5113.88%5.48%1.08
FIS logoFISFidelity National Information Services, Inc.Supply Chain23.81B45.9761.295.43%3.51%2.75%0.29

Compare BCBP vs Peers

BCB Bancorp, Inc. (BCBP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs OCFC

Most directly comparable listed peer for BCBP.

Scale Benchmark

vs V

Larger-name benchmark to compare BCBP against a more recognizable public peer.

Peer Set

Compare Top 5

vs OCFC, KRNY, NBTB, CTBI

BCBP Income Statement

BCB Bancorp, Inc. (BCBP) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income61.88M77.68M82.6M77.58M96.43M110.81M90.37M75.39M93.04M
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 Income77.57M105.1M123.56M110.59M111.61M128.31M174.66M177.38M172.96M
Interest Expense15.69M27.42M40.95M33.02M15.18M17.5M84.3M101.99M79.92M
Loan Loss Provision2.11M5.13M2.07M9.44M3.85M-3.08M6.1M11.57M42.01M
Non-Interest Income7.48M7.96M5.39M10.95M9.28M4.73M17.78M19.57M-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 Expense47.04M56.27M55.58M49.66M53.6M55.51M60.59M57.12M62.81M
Efficiency Ratio55.31%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 Tax10.23M7.48M9.31M8.57M14.02M17.53M11.97M7.65M-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)9.98M16.76M21.03M20.86M34.24M45.58M29.48M18.62M-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)0.761.021.201.141.942.641.710.99-0.84
Diluted Shares Outstanding12.51M15.66M16.42M17.23M17.24M17.35M16.93M17.02M17.19M

BCBP Balance Sheet

BCB Bancorp, Inc. (BCBP) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments239.51M315.33M642.7M361.72M497.55M321.81M279.52M318.02M140.19M
Cash & Due from Banks125.22M196M551.09M261.96M412.36M230.09M279.52M318.02M13.79M
Short Term Investments114.3M119.33M91.61M99.76M85.19M91.72M00126.39M
Total Investments1.78B2.41B2.28B2.42B2.42B3.16B3.38B3.11B3.11B
Investments Growth %12.11%35.95%-5.73%6.16%0.01%30.59%7.05%-8.01%0.06%
Long-Term Investments1.66B2.29B2.18B2.32B2.33B3.06B3.38B3.11B3.11B
Accounts Receivables6.15M8.38M8.32M12.92M9.18M13.46M16.07M15.18M2.7B
Goodwill & Intangibles005.55M5.49M5.43M05.25M05.25M
Goodwill005.25M5.25M5.25M0005.25M
Intangible Assets00298K234K178K05.25M00
PP&E (Net)18.77M20.29M33.17M30.26M24.69M24.03M25.99M25.25M22.72M
Other Assets11.7M16.53M22.23M81.78M86.63M101.38M113.17M110.79M-3.11B
Total Current Assets245.66M323.71M651.02M374.64M506.73M335.26M295.6M333.19M2.85B
Total Non-Current Assets1.7B2.35B2.26B2.45B2.46B3.21B3.54B3.27B27.97M
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 Payable000000000
Total Debt189.12M282.38M295.99M243.43M121.74M433.63M523.75M511.46M300.49M
Net Debt63.91M86.38M-255.1M-18.54M-290.63M203.53M243.49M193.44M286.7M
Long-Term Debt189.12M282.38M282.61M228.2M108.99M419.77M492.44M277.96M278.21M
Short-Term Debt00000018M220.36M11.14M
Other Liabilities7.89M11.41M9.94M10.33M10.36M9.7M15.51M12.87M2.7B
Total Current Liabilities1.57B2.18B2.36B2.32B2.56B2.81B3B2.97B11.14M
Total Non-Current Liabilities197.01M293.79M305.93M253.75M132.1M443.33M521.26M303.97M2.98B
Total Liabilities1.77B2.47B2.67B2.57B2.69B3.25B3.52B3.28B2.98B
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 Share14.1112.7814.5814.4715.9016.7918.5519.0317.71
Tangible BV per Share14.1112.7814.2414.1515.5816.7918.2419.0317.40
Common Stock000000000
Additional Paid-in Capital177.47M195.21M215.31M218M222.85M217.17M223.97M225.66M203.43M
Retained Earnings31.24M38.41M48.43M58.34M81.17M115.11M135.93M141.85M116.42M
Accumulated OCI-3.14M-5.08M-2.22M-205K1.13M-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 Stock0000000025.24M

BCBP Cash Flow Statement

BCB Bancorp, Inc. (BCBP) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations21.03M40.03M24.27M139.34M45.89M40.89M35.16M67.73M35.92M
Operating CF Growth %190.48%90.3%-39.37%474.22%-67.07%-10.9%-14.02%92.64%-46.97%
Net Income9.98M16.76M21.03M20.86M34.24M45.58M29.48M18.62M-12.53M
Depreciation & Amortization1.06M-175K-152K442K2.22M639K-555K249K0
Deferred Taxes3.93M-2.08M1.28M-2.01M-975K-1.01M-2.54M258K0
Other Non-Cash Items3.37M26.18M1.56M123.52M3.02M817K7.01M49.1M50.1M
Working Capital Changes2.49M-911K-440K-4.65M6.97M-6.27M1.17M-1.27M-1.66M
Cash from Investing-182.92M-466.2M135.1M-315.49M-7.67M-761.5M-233.32M222.77M232.38M
Purchase of Investments-75.07M-16.37M-1.15M-77.1M-26.14M-27.47M-12.5M-15.22M0
Sale/Maturity of Investments49.25M23.29M37.52M59.33M32.6M11.33M19.98M3.77M0
Net Investment Activity-25.83M6.92M36.37M-17.77M6.46M-16.13M7.48M-11.46M0
Acquisitions05.05M0000000
Other Investing-155.19M-476.6M101.25M-296.34M-13.8M-744.85M-236.27M235.45M232.38M
Cash from Financing221.09M497.2M195.72M-112.98M112.17M538.34M248.33M-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-13K00-4.87M-4.21M-3.41M-3.82M00
Stock Issued43.31M467K19.11M357K478K419K1.35M824K1.64M
Net Stock Activity43.3M467K19.11M-4.51M-3.73M-2.99M-2.46M824K1.64M
Debt Issuance (Net)1000K1000K0-1000K-1000K1000K1000K-1000K-1000K
Other Financing177.17M432.96M181.35M-44.01M243.64M250.43M167.89M-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 Effect0000000040.7M
Cash at Beginning65.04M124.23M195.26M550.35M261.23M411.63M229.36M279.52M317.28M
Cash at End124.23M195.26M550.35M261.23M411.63M229.36M279.52M317.28M276.58M
Interest Paid15.72M25.64M40.8M34.26M15.59M15.47M81.59M102.57M81.06M
Income Taxes Paid4.29M9.16M10.09M12.65M12.02M18.8M18.03M6.88M1.8M
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%

BCBP Banking Ratios

BCB Bancorp, Inc. (BCBP) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin3.22%3.19%2.9%2.84%2.75%3.25%3.12%2.36%2.09%2.84%
Efficiency Ratio61.82%55.31%49.77%43.11%40.86%44.34%41.72%31.48%29%37.74%
Equity / Assets7.67%9.08%7.49%8.24%8.83%9.23%8.21%8.19%9%9.28%
Book Value / Share11.6514.1112.7814.5814.4715.916.7918.5519.0317.71
NII Growth2.89%12.39%25.53%6.34%-6.09%24.31%14.91%-18.45%-16.57%23.41%
Dividend Payout75.17%65.56%50.12%41.43%44.23%28.55%22.77%35.41%56.08%-

BCBP SEC Filings & Documents

BCB Bancorp, Inc. (BCBP) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Feb 24, 2026·SEC

Material company update

Jan 30, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 9, 2026·SEC

FY 2025

Mar 7, 2025·SEC

FY 2024

Mar 8, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 6, 2025·SEC

FY 2025

May 7, 2025·SEC

BCBP Frequently Asked Questions

BCB Bancorp, Inc. (BCBP) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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.

Dividend & Returns

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.

Industry Metrics

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.

Explore More BCBP

BCB Bancorp, Inc. (BCBP) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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