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BCBPBCB Bancorp, Inc.
$11.06$192M
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BCBP logoBCB Bancorp, Inc.(BCBP)Earnings, Financials & Key Ratios

BCBP•NASDAQ•Banking & Credit
Price updated Jun 19, 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%

BCBP Key Insights

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

✓Strengths

  • ✓Efficient operations: 37.7% efficiency ratio
  • ✓Momentum leader: RS Rating 84 (top 16%)
  • ✓Healthy dividend yield of 5.6%
  • ✓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.

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BCBP Price & Volume

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

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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
Metric
Actual
Est
EPS
$0.26+4.0%
$0.25
Rev
$25M-3.3%
$26M
Q2 2026
Mar 9, 2026
Metric
Actual
Est
EPS
$0.70
—
Rev
$29M
—
Q1 2026
Jan 30, 2026
Metric
Actual
Est
EPS
$0.73+8.2%
$0.80
Rev
$26M+44.6%
$18M
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$0.22+4.8%
$0.21
Rev
$26M+4.9%
$25M
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
OCFC logoOCFCOceanFirst Financial Corp.Direct Competitor1.03B18.0315.41-4.7%10.75%4.26%0.98
KRNY logoKRNYKearny Financial Corp.Direct Competitor532.62M8.4720.175.09%9.41%4.31%1.68
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
CTBI logoCTBICommunity Trust Bancorp, Inc.Product Competitor1.23B68.3512.598.86%23.96%11.96%0.46
FUNC logoFUNCFirst United CorporationProduct Competitor276.83M42.5811.296.6%20.51%12.61%0.56
MBIN logoMBINMerchants BancorpProduct Competitor2.26B49.0912.99-5.65%16.06%9.89%1.68
NFBK logoNFBKNorthfield Bancorp, Inc.Product Competitor601.82M14.41727.78-26.69%0.3%0.11%1.44
FIS logoFISFidelity National Information Services, Inc.Supply Chain19.75B38.2150.955.43%22.91%18.45%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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
61.88M77.68M82.6M77.58M96.43M110.81M90.37M75.39M93.04M
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 Income
77.57M105.1M123.56M110.59M111.61M128.31M174.66M177.38M172.96M
Interest Expense
15.69M27.42M40.95M33.02M15.18M17.5M84.3M101.99M79.92M
Loan Loss Provision
2.11M5.13M2.07M9.44M3.85M-3.08M6.1M11.57M42.01M
Non-Interest Income
7.48M7.96M5.39M10.95M9.28M4.73M17.78M19.57M-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 Expense
47.04M56.27M55.58M49.66M53.6M55.51M60.59M57.12M62.81M
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
10.23M7.48M9.31M8.57M14.02M17.53M11.97M7.65M-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 Outstanding
12.51M15.66M16.42M17.23M17.24M17.35M16.93M17.02M17.19M

BCBP Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
239.51M315.33M642.7M361.72M497.55M321.81M279.52M318.02M140.19M
Cash & Due from Banks
125.22M196M551.09M261.96M412.36M230.09M279.52M318.02M13.79M
Short Term Investments
114.3M119.33M91.61M99.76M85.19M91.72M00126.39M
Total Investments
1.78B2.41B2.28B2.42B2.42B3.16B3.38B3.11B3.11B
Investments Growth %
12.11%35.95%-5.73%6.16%0.01%30.59%7.05%-8.01%0.06%
Long-Term Investments
1.66B2.29B2.18B2.32B2.33B3.06B3.38B3.11B3.11B
Accounts Receivables
6.15M8.38M8.32M12.92M9.18M13.46M16.07M15.18M2.7B
Goodwill & Intangibles
005.55M5.49M5.43M05.25M05.25M
Goodwill
005.25M5.25M5.25M0005.25M
Intangible Assets
00298K234K178K05.25M00
PP&E (Net)
18.77M20.29M33.17M30.26M24.69M24.03M25.99M25.25M22.72M
Other Assets
11.7M16.53M22.23M81.78M86.63M101.38M113.17M110.79M-3.11B
Total Current Assets
245.66M323.71M651.02M374.64M506.73M335.26M295.6M333.19M2.85B
Total Non-Current Assets
1.7B2.35B2.26B2.45B2.46B3.21B3.54B3.27B27.97M
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 Payable
000000000
Total Debt
189.12M282.38M295.99M243.43M121.74M433.63M523.75M511.46M300.49M
Net Debt
63.91M86.38M-255.1M-18.54M-290.63M203.53M243.49M193.44M286.7M
Long-Term Debt
189.12M282.38M282.61M228.2M108.99M419.77M492.44M277.96M278.21M
Short-Term Debt
00000018M220.36M11.14M
Other Liabilities
7.89M11.41M9.94M10.33M10.36M9.7M15.51M12.87M2.7B
Total Current Liabilities
1.57B2.18B2.36B2.32B2.56B2.81B3B2.97B11.14M
Total Non-Current Liabilities
197.01M293.79M305.93M253.75M132.1M443.33M521.26M303.97M2.98B
Total Liabilities
1.77B2.47B2.67B2.57B2.69B3.25B3.52B3.28B2.98B
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 Share
14.1112.7814.5814.4715.9016.7918.5519.0317.71
Tangible BV per Share
14.1112.7814.2414.1515.5816.7918.2419.0317.40
Common Stock
000000000
Additional Paid-in Capital
177.47M195.21M215.31M218M222.85M217.17M223.97M225.66M203.43M
Retained Earnings
31.24M38.41M48.43M58.34M81.17M115.11M135.93M141.85M116.42M
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 Stock
0000000025.24M

BCBP Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
21.03M40.03M24.27M139.34M45.89M40.89M35.16M67.73M35.92M
Operating CF Growth %
190.48%90.3%-39.37%474.22%-67.07%-10.9%-14.02%92.64%-46.97%
Net Income
9.98M16.76M21.03M20.86M34.24M45.58M29.48M18.62M-12.53M
Depreciation & Amortization
1.06M-175K-152K442K2.22M639K-555K249K0
Deferred Taxes
3.93M-2.08M1.28M-2.01M-975K-1.01M-2.54M258K0
Other Non-Cash Items
3.37M26.18M1.56M123.52M3.02M817K7.01M49.1M50.1M
Working Capital Changes
2.49M-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 Investments
49.25M23.29M37.52M59.33M32.6M11.33M19.98M3.77M0
Net Investment Activity
-25.83M6.92M36.37M-17.77M6.46M-16.13M7.48M-11.46M0
Acquisitions
05.05M0000000
Other Investing
-155.19M-476.6M101.25M-296.34M-13.8M-744.85M-236.27M235.45M232.38M
Cash from Financing
221.09M497.2M195.72M-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 Issued
43.31M467K19.11M357K478K419K1.35M824K1.64M
Net Stock Activity
43.3M467K19.11M-4.51M-3.73M-2.99M-2.46M824K1.64M
Debt Issuance (Net)
1000K1000K0-1000K-1000K1000K1000K-1000K-1000K
Other Financing
177.17M432.96M181.35M-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 Effect
0000000040.7M
Cash at Beginning
65.04M124.23M195.26M550.35M261.23M411.63M229.36M279.52M317.28M
Cash at End
124.23M195.26M550.35M261.23M411.63M229.36M279.52M317.28M276.58M
Interest Paid
15.72M25.64M40.8M34.26M15.59M15.47M81.59M102.57M81.06M
Income Taxes Paid
4.29M9.16M10.09M12.65M12.02M18.8M18.03M6.88M1.8M
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 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
11.6514.1112.7814.5814.4715.916.7918.5519.0317.71
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%-
Related:BCBP Dividend History·BCBP Revenue History·BCBP Price History·BCBP P/E History·BCBP Financial Ratios·BCBP Institutional Holders

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 5.59%. 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.

What if you invested $1,000 in BCBP back in 2002?

Total return calculator · dividends reinvested · 24+ years of data

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How much would $100/month in BCBP be worth today?

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