Companies ›Financials ›BCBP.O

BCBP.O — NASDAQ Banks

BCB Bancorp Inc

$9,79

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Mcap

170,0M USD

P/E

243,0x

EV / Rev

2,2x

Div yield

3,32 %

Op margin

—

ROE

0,9 %

Net margin

11,9 %

Debt / equity

0,12

Beta

—

52w range

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Volume

—

Day range

—

Prev close

$10,14

Open

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Next earnings

2026-10-28

Ex-dividend

—

TR 1Y

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About

BCB Bancorp Inc operates as a bank holding company, providing a range of financial services including commercial and retail banking, wealth management, and insurance services.

Business. BCB Bancorp Inc (BCBP.O) is a bank holding company operating within the Banking & Investment Services sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is headquartered in the United States and is listed on the NASDAQ stock exchange. Specific details regarding operating segments or geographic breakdowns are not provided in the available data.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

Generated · model-assisted

Sell-side consensus

HOLD3 analysts

1 buy2 hold0 sell

Avg 12m price target11,75

Analyst recommendations

3 analysts · consensus Hold

Buy1

Hold2

Sell0

12-month price target

11,75

Consensus of sell-side coverage.

Upcoming events

EarningsQ3 2026 earnings (expected)2026-10-28 · estimated

See all catalysts →

At a glance

Score

—

not yet scored

3 analysts · indicative

Ownership→

American Century Investment Management, Inc.

largest disclosed fund holder

Profitability→

0,9 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning BCBP.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,7 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Consumer Discretionary+0,4 %+7,7 %−0,2 %

Information Technology+0,3 %+7,8 %−0,3 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to BCBP.O. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

Briefing · model-assisted

BCB Bancorp Inc (BCBP.O) has entered the scope of this analysis for the first time, establishing a baseline for future monitoring. As a result, there is no prior data available to compute material changes or deltas in financial performance or operational metrics. The company currently operates with a lean executive structure, comprising only two officers, and maintains a broad shareholder base with 178 top holders. Despite the lack of historical comparison, significant activity is evident in the company's institutional ownership records. Multiple major holder changes were detected on July 23, 2026, indicating substantial shifts in stakeholder positions. These updates reflect modifications in shareholdings reported as of various dates in 2024 and 2026, suggesting active portfolio adjustments by key investors. Specifically, investor ID 466 increased its position significantly, holding 7,487,008 shares valued at approximately $282.7 million as of June 30, 2024, up from 1,057,177 shares. Conversely, investor ID 467 reduced its stake to 128,305 shares as of March 31, 2026, down from 1,293,538 shares. Meanwhile, investor ID 471 expanded its holdings to 1,330,805 shares as of March 31, 2026, rising from 162,445 shares, and investor ID 478 increased its position to 41,072 shares over the same period. These divergent moves by major holders highlight a period of realignment in BCB Bancorp's ownership structure. With no analyst coverage or index membership currently recorded, these institutional flows provide critical insight into market sentiment. The absence of prior analysis means these holder changes represent the initial snapshot of institutional interest, setting the stage for future tracking of capital allocation trends.

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

BCB Bancorp Inc (BCBP.O) is a bank holding company operating within the Banking & Investment Services sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is headquartered in the United States and is listed on the NASDAQ stock exchange. Specific details regarding operating segments or geographic breakdowns are not provided in the available data.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

AI synthesis

GENERATED

BCB Bancorp Inc has a market capitalization of $170.33 million and a price-to-book ratio of 0.53, indicating that the company is trading at a discount to its book value. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. The debt-to-equity ratio of 0.12 suggests a relatively low level of leverage, which is favorable for a financial institution.

In terms of profitability, BCB Bancorp Inc has a return on equity (ROE) of 0.88% and a return on assets (ROA) of 0.07%, both of which are below the typical performance metrics for banks. The company's net income of $2.82 million on revenue of $23.64 million results in a net margin of 12.0%, which is relatively low compared to industry standards. The price-to-earnings (P/E) ratio of 60.47 is significantly higher than the industry median, indicating that the stock is currently overvalued relative to its earnings.

The company's revenue is primarily concentrated in its core banking operations, with no significant diversification across segments or geographies. This lack of diversification increases the company's exposure to regional economic fluctuations and regulatory changes. The absence of detailed segment data in the provided financials suggests that the company may not have a complex or diversified business model.

Looking at the growth trajectory, BCB Bancorp Inc has not provided specific revenue growth projections for the current or next fiscal year. The company's capital expenditure of -$184,000 indicates a reduction in investment in physical assets, which may signal a conservative approach to growth. The free cash flow of -$275,000 is negative, suggesting that the company is not generating sufficient cash to cover its operating expenses and capital expenditures.

The risk assessment for BCB Bancorp Inc highlights a medium liquidity risk and a low dilution risk. The company's negative net cash position after subtracting total debt is a key flag, indicating potential liquidity constraints. The dilution risk is assessed as low, with no immediate pressure for share issuance. The company's capital structure is relatively stable, with a low debt-to-equity ratio and a manageable level of long-term debt.

Recent events and filings do not indicate any significant changes in the company's operations or strategic direction. The company's stock is currently trading below the mean and median price targets set by analysts, with a mean recommendation of 2.67, which is a "Hold" rating. The absence of strong buy recommendations and the presence of hold and buy ratings suggest a cautious outlook from the analyst community.

Key takeaways

BCB Bancorp Inc is trading at a discount to book value with a price-to-book ratio of 0.53.
The company's return on equity and return on assets are below industry standards, indicating suboptimal profitability.
The company's revenue is concentrated in its core banking operations, increasing exposure to regional economic fluctuations.
The company's liquidity position is medium, with a negative net cash position after subtracting total debt.
Analysts have a cautious outlook, with a mean recommendation of "Hold" and no strong buy ratings.

Bull / Bear case

Generated · model-assisted

BULL CASE · 5

BCBP trades at 0.53x tangible book value, suggesting significant undervaluation relative to its $320.7 million tangible book value.

Analysts project 12.8% upside to a mean price target of $11.58, indicating potential for share price appreciation.

The company maintains a low debt-to-equity ratio of 0.12, reflecting a conservative capital structure compared to peers.

Cash conversion is rated best-in-class at 5.83, significantly outperforming the cohort median of 1.14.

Dilution risk is assessed as low, providing confidence that existing shareholder equity will not be significantly eroded.

BEAR CASE · 2

Return on equity of 0.88% ranks in the bottom quartile, vastly underperforming the cohort median of 6.33%.

Total assets contracted by 8.9% year-over-year, reflecting a shrinking balance sheet and potential business contraction.

In focus — financials by report

Quarterly

Annual

QUARTERLYFiled 2026-04-21

Q1 2026 · Quarter highlights

Open report →

Revenue $22.8M, +3,8% YoY; Net income +158,9% YoY.

Revenue$22.8M+3,8 % YoY

Operating income—

Net income$4.9M+158,9 % YoY

Free cash flow$2.7M+122,8 % YoY

EPS—

Operating cash flow$5.2M+3,3 % YoY

Financials

Income statement

Revenue$22.8M

Gross profit—

Operating income—

Net income$4.9M

Margins

Gross margin—

Operating margin—

Net margin21.5%

FCF margin11.8%

Balance sheet

Total assets$3.27B

Total liabilities$2.96B

Total equity$307.4M

Cash & equivalents—

Long-term debt$43.3M

Cash flow

Operating cash flow$5.2M

CapEx-$266.0k

Free cash flow$2.7M

SBC—

Highlights

▍Revenue $22.8M, +3,8% YoY
▍Net income +158,9% YoY
▍Free cash flow +122,8% YoY
▍Net margin 21.5%

Valuation TTM

Market price

$9,79

Market cap

$170.3M

Enterprise valueⓘ

$208.0M

P/Eⓘ

243.0x

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

2.2x

EV / Op incomeⓘ

—

EV / OCFⓘ

12.7x

P / Bⓘ

0.5x

P / Tangible bookⓘ

0.5x

Tangible book

$320.7M

Net cashⓘ

-$37.6M

Current ratioⓘ

—

Debt / equityⓘ

0.1

ROAⓘ

0.1%

ROEⓘ

0.9%

Cash conversionⓘ

583.0%

CapEx / revenueⓘ

-0.8%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%