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BCB Bancorp (BCBP) Stock Price & Analysis
BCBP Stock Chart & Stats
- Day’s Range
- $8.40 - $8.89
- 52-Week Range
- $7.31 - $11.71
- Previous Close
- $8.61
- Volume
- N/A
- Average Volume (3M)
- 340.84K
- Market Cap
- $272.46M
- Enterprise Value
- $330.43M
- Total Cash (Recent Filing)
- $14.57M
- Total Debt (Recent Filing)
- $179.29M
- Price to Earnings (P/E)
- ―
- Beta
- 0.34
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 0.07
- Last Dividend Ex-Date
- May 06, 2026
- Dividend Yield
- 5.42%
Bulls Say, Bears Say
Bulls Say
Asset-Quality Cleanup
The sharp reduction in classified loans and stronger reserve coverage indicate meaningful progress in addressing legacy credit problems. Lower impaired exposure can reduce future loss volatility, improve management focus, and create a cleaner platform for rebuilding the bank’s core lending business.
Improving Net Interest Margin
A 303-basis-point net interest margin, achieved despite reversing approximately $1 million of interest accruals, shows improved spread economics. Lower deposit costs can support recurring earnings and provide an important foundation for recovery if credit expenses continue to normalize.
Stronger Capital And Lower Leverage
The substantial decline in debt-to-equity reduces balance-sheet pressure and gives BCB greater flexibility while it completes portfolio cleanup. Relatively stable equity also supports the capital base, helping the bank absorb remaining credit actions and preserve lending capacity.
Bears Say
Persistent Losses And Revenue Decline
The move from prior profitability to substantial losses, combined with falling revenue, shows that BCB’s core earnings power remains impaired. Unless operating results recover, losses can consume capital, constrain strategic investment, and make a durable return to shareholder profitability uncertain.
Residual Credit Risk
The discovery of additional credit weakness after an extensive loan review indicates that portfolio risk is not fully resolved. Remaining criticized assets and the possibility of further losses could produce additional provisions or charge-offs, delaying normalization of earnings and capital returns.
Deferred Tax Asset Overhang
The full deferred tax asset valuation allowance reflects the depth of recent losses and limits the near-term accounting benefit from those tax assets. Reversal depends on sustained future earnings, so the allowance remains a meaningful overhang while profitability is being rebuilt.
BCB Bancorp News
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BCB Bancorp Stock Smart Score
Company Description
BCB Bancorp
BCB Bancorp, Inc. functions as a bank holding entity for BCB Community Bank, delivering a comprehensive array of financial products and services to both businesses and individual clients across the United States. Its suite of deposit offerings includes savings and club accounts, interest-bearing and non-interest-bearing checking accounts, money market accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). The institution's lending activities span a broad spectrum, providing financing solutions such as commercial and multi-family property loans, mortgages for one-to-four family residences, commercial enterprise loans, Small Business Administration (SBA) loans, construction financing, home equity loans and lines of credit, and various consumer loans. This also encompasses residential mortgages backed by single to quad-family homes, condominiums, and cooperative housing units. Beyond these core services, the company furnishes additional retail and commercial banking features. These comprise wire transfers, money orders, secure safe deposit box rentals, night drop facilities, debit cards, comprehensive online and mobile banking platforms, fraud monitoring services, and automated teller machine (ATM) access. As of December 31, 2021, BCB Community Bank maintained a physical presence through 29 branch locations spread across numerous towns in New Jersey, including Bayonne, Carteret, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lyndhurst, Maplewood, Monroe Township, Newark, Parsippany, Plainsboro, River Edge, Rutherford, South Orange, Union, and Woodbridge. Additionally, it operated three branches in New York, specifically in Staten Island and Hicksville. Established in 2000, the firm's main offices are situated in Bayonne, New Jersey.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Thomas O'Brien
- Employees
- 295
- Website
- www.bcb.bank
- Address
- 104-110 Avenue C, Bayonne, NJ, 07002, US
BCB Bancorp (BCBP) Earnings & Revenues
BCBP Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. Management reported meaningful improvements in net interest margin, classified loans, reserve coverage, nonperforming loans, and the Business Express portfolio, while also highlighting a successful capital raise and progress toward resolving legacy credit issues. The primary challenges were residual credit risk, the $60 million deferred tax asset valuation allowance, dilution from the capital raise, and temporarily elevated restructuring and transaction expenses.
View all BCBP earnings summariesBCBP Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 2 | 8 |
| Technical Analysis | 3 | 2 | 5 |
| Moving Averages | 9 | 0 | 3 |
