BCB Bancorp, Inc. (BCBP) Financial Ratios
24 years of historical data (2002–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
N/A
—
5yr avg: 11.42
30Y Low3.3·High31.6
P/FCF
↓
5.03
-9% vs avg
5yr avg: 5.54
30Y Low1.4·High125.7
P/B Ratio
↓
0.57
↓-25% vs avg
5yr avg: 0.76
30Y Low0.5·High2.5
ROE
↓
-4.0%
↑-149% vs avg
5yr avg: 8.2%
30Y Low-4%·High19%
Debt/EBITDA
↑
N/A
—
5yr avg: 10.33
30Y Low2.4·High23.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BCBP Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
BCB Bancorp, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 5.0x P/FCF, 9% below the 5-year average of 5.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $175M | $139M | $201M | $218M | $312M | $266M | $191M | $226M | $164M | $181M | $146M |
| Enterprise Value | $462M | $425M | $395M | $461M | $516M | $-24628230 | $172M | $-28624830 | $250M | $245M | $259M |
| P/E Ratio → | -12.02 | — | 11.96 | 7.56 | 6.97 | 8.04 | 9.71 | 11.49 | 10.37 | 19.33 | 20.63 |
| P/S Ratio | 1.05 | 0.83 | 1.02 | 1.13 | 2.35 | 2.20 | 1.57 | 1.76 | 1.45 | 2.13 | 1.89 |
| P/B Ratio | 0.57 | 0.46 | 0.62 | 0.69 | 1.07 | 0.97 | 0.77 | 0.95 | 0.82 | 1.03 | 1.12 |
| P/FCF | 5.03 | 3.98 | 3.03 | 7.10 | 7.73 | 5.84 | 1.38 | 10.41 | 4.26 | 9.48 | 125.66 |
| P/OCF | 4.88 | 3.86 | 2.98 | 6.19 | 7.63 | 5.80 | 1.37 | 9.33 | 4.10 | 8.62 | 20.20 |
P/E links to full P/E history page with 30-year chart
BCBP EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.56 | 2.01 | 2.40 | 3.88 | -0.20 | 1.42 | -0.22 | 2.21 | 2.88 | 3.35 |
| EV / EBITDA | — | — | 14.89 | 11.27 | 8.09 | -0.49 | 5.76 | -0.95 | 10.40 | 11.53 | 18.69 |
| EV / EBIT | — | — | 15.03 | 11.12 | 8.17 | -0.51 | 5.83 | -0.94 | 10.33 | 12.13 | 19.56 |
| EV / FCF | — | 12.21 | 5.94 | 15.05 | 12.77 | -0.54 | 1.25 | -1.32 | 6.51 | 12.82 | 222.83 |
BCBP Profitability
Margins and return-on-capital ratios measuring operating efficiency
BCB Bancorp, Inc. earns an operating margin of -11.0%, below the Financial Services sector average of 21.6%. Operating margins have compressed from 21.5% to -11.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -4.0% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 26.7% | 26.7% | 42.3% | 53.0% | 89.2% | 84.3% | 65.1% | 66.6% | 71.2% | 79.1% | 79.0% |
| Operating Margin | -11.0% | -11.0% | 13.3% | 21.5% | 47.4% | 39.9% | 24.2% | 23.5% | 21.4% | 23.8% | 17.1% |
| Net Profit Margin | -7.5% | -7.5% | 9.5% | 15.3% | 34.3% | 28.3% | 17.2% | 16.3% | 14.8% | 11.7% | 10.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -4.0% | -4.0% | 5.8% | 9.7% | 16.1% | 13.1% | 8.5% | 9.6% | 8.9% | 6.5% | 6.0% |
| ROA | -0.4% | -0.4% | 0.5% | 0.8% | 1.4% | 1.2% | 0.7% | 0.8% | 0.7% | 0.5% | 0.5% |
| ROIC | -1.9% | -1.9% | 2.4% | 4.0% | 8.4% | 8.1% | 4.3% | 4.5% | 4.3% | 4.5% | 3.1% |
| ROCE | -0.9% | -0.9% | 3.6% | 5.3% | 11.1% | 10.6% | 5.6% | 5.8% | 5.6% | 6.0% | 4.1% |
BCBP Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $287M ($300M total debt minus $14M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.99 | 0.99 | 1.58 | 1.67 | 1.49 | 0.44 | 0.98 | 1.24 | 1.41 | 1.07 | 1.37 |
| Debt / EBITDA | — | — | 19.29 | 12.81 | 6.80 | 2.41 | 8.15 | 9.80 | 11.73 | 8.89 | 12.91 |
| Net Debt / Equity | — | 0.94 | 0.60 | 0.78 | 0.70 | -1.06 | -0.07 | -1.07 | 0.43 | 0.36 | 0.86 |
| Net Debt / EBITDA | — | — | 7.29 | 5.95 | 3.19 | -5.76 | -0.62 | -8.45 | 3.59 | 3.00 | 8.15 |
| Debt / FCF | — | 8.23 | 2.91 | 7.95 | 5.04 | -6.38 | -0.13 | -11.73 | 2.25 | 3.34 | 97.17 |
| Interest Coverage | -0.23 | -0.23 | 0.26 | 0.49 | 3.61 | 3.18 | 0.89 | 0.74 | 0.88 | 1.29 | 0.81 |
BCBP Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
BCB Bancorp, Inc.'s current ratio of 255.40x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.10x to 255.40x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 255.40 | 255.40 | 0.11 | 0.10 | 0.12 | 0.20 | 0.16 | 0.28 | 0.15 | 0.16 | 0.12 |
| Quick Ratio | 255.40 | 255.40 | 0.11 | 0.10 | 0.12 | 0.20 | 0.16 | 0.28 | 0.15 | 0.16 | 0.12 |
| Cash Ratio | 1.24 | 1.24 | 0.11 | 0.09 | 0.08 | 0.16 | 0.11 | 0.23 | 0.09 | 0.08 | 0.05 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BCBP Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
BCB Bancorp, Inc. returns 6.1% to shareholders annually primarily through dividends.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 6.1% | 7.7% | 5.2% | 4.8% | 3.3% | 3.7% | 4.8% | 3.8% | 5.1% | 3.6% | 4.1% |
| Payout Ratio | — | — | 56.1% | 35.4% | 22.8% | 28.5% | 44.2% | 41.4% | 50.1% | 65.6% | 75.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 8.4% | 13.2% | 14.3% | 12.4% | 10.3% | 8.7% | 9.6% | 5.2% | 4.8% |
| FCF Yield | 19.9% | 25.1% | 33.0% | 14.1% | 12.9% | 17.1% | 72.3% | 9.6% | 23.5% | 10.5% | 0.8% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 1.8% | 1.1% | 1.6% | 2.6% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 6.1% | 7.7% | 5.2% | 6.6% | 4.4% | 5.3% | 7.4% | 3.8% | 5.1% | 3.6% | 4.1% |
| Shares Outstanding | — | $17M | $17M | $17M | $17M | $17M | $17M | $16M | $16M | $13M | $11M |
Peer Comparison
Compare BCBP with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BCBPYou | $175M | -12.0 | — | 5.0 | 26.7% | -11.0% | -4.0% | -1.9% | — |
 OCFC | $1B | 16.1 | 27.7 | 13.6 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 KRNY | $508M | 19.2 | 44.5 | 23.8 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NBTB | $2B | 13.5 | 10.4 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CTBI | $1B | 14.4 | 10.3 | 12.4 | 63.2% | 28.4% | 11.3% | 7.7% | 2.9 |
 FUNC | $248M | 12.1 | 11.5 | 12.2 | 68.8% | 24.4% | 12.1% | 5.9% | 6.1 |
 MBIN | $2B | 12.4 | 22.4 | — | 41.3% | 19.3% | 9.7% | 3.1% | 14.4 |
 NFBK | $588M | 19.5 | 24.2 | 19.6 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 FIS | $24B | 63.0 | 7.7 | 10.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $30B | 9.0 | 6.6 | 7.0 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
 JKHY | $11B | 23.4 | 13.5 | 18.0 | 42.7% | 23.9% | 21.4% | 21.0% | — |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 24 years · Updated daily
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Start ComparisonBCBP — Frequently Asked Questions
Quick answers to the most common questions about buying BCBP stock.
What is BCB Bancorp, Inc.'s P/E ratio?
BCB Bancorp, Inc.'s current P/E ratio is -12.0x. The historical average is 13.6x.
What is BCB Bancorp, Inc.'s ROE?
BCB Bancorp, Inc.'s return on equity (ROE) is -4.0%. The historical average is 8.7%.
Is BCBP stock overvalued?
Based on historical data, BCB Bancorp, Inc. is trading at a P/E of -12.0x. Compare with industry peers and growth rates for a complete picture.
What is BCB Bancorp, Inc.'s dividend yield?
BCB Bancorp, Inc.'s current dividend yield is 6.12%.
What are BCB Bancorp, Inc.'s profit margins?
BCB Bancorp, Inc. has 26.7% gross margin and -11.0% operating margin.