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BCB Bancorp
(NASDAQ:BCBP)
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Rating:49Neutral
Price Target:
$9.50
▼(-6.31% Downside)
Action:Reiterated
Date:08/04/26
BCBP’s score is held back mainly by weak and volatile profitability (including a 2025 loss and very thin TTM margins) and continued credit/capital uncertainty highlighted on the latest call (large provisioning/charge-offs and restructuring-related costs). Offsetting factors are improved leverage and comparatively resilient operating/free cash flow, but near-term technical momentum is bearish and valuation support is limited given negative earnings and the suspension of dividends.
Positive Factors
Improved leverage
Material de‑leveraging meaningfully reduces balance-sheet risk and raises resilience to credit stress. With debt-to-equity down to ~1.0x in 2025 and very low in the TTM, the bank has more capacity to absorb losses, support regulatory ratios and execute restructuring without immediate solvency pressure.
Negative Factors
Weak, volatile profitability
A 2025 net loss and razor-thin trailing margins indicate fragile earnings power. Persistent volatility means returns on equity are depressed, limiting internal capital generation and making multi-quarter recovery and consistent profitability uncertain absent material credit improvement or revenue uplift.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
Material de‑leveraging meaningfully reduces balance-sheet risk and raises resilience to credit stress. With debt-to-equity down to ~1.0x in 2025 and very low in the TTM, the bank has more capacity to absorb losses, support regulatory ratios and execute restructuring without immediate solvency pressure.
Read all positive factors
BCB Bancorp (BCBP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$173.46M
Dividend Yield4.8%
Average Volume (3M)83.78K
Price to Earnings (P/E)―
Beta (1Y)0.63
Revenue Growth-15.00%
EPS Growth-146.52%
CountryUS
Employees295
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.07
Shares Outstanding17,363,157
10 Day Avg. Volume99,436
30 Day Avg. Volume83,782
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)0.46
Price to Sales (P/S)0.83
P/FCF Ratio3.98
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$11.00Price Target Upside8.48% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.03
Revenue Forecast (FY)$104.19M
BCB Bancorp Business Overview & Revenue Model
Company Description
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 inc...
How the Company Makes Money
BCB Bancorp primarily makes money through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—mainly loans (such ...
BCB Bancorp Earnings Call Summary
Earnings Call Date:Aug 03, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 15, 2026
Earnings Call Sentiment Negative
The call conveyed a mix of constructive actions and significant challenges. Positives include a modest NIM improvement, decisive liquidity-preservation steps (dividend suspension), governance modernization, consistent core revenue (~$25M/quarter), progress on credit reviews with external consultants, and expectation that the DTA can be utilized. However, the quarter was dominated by sizable loan loss provisioning (~$19M, with $16.7M to C&I), large charge-offs (near $30M referenced across quarters), a $5.3M goodwill write-off, elevated near-term expenses for restructuring, and constrained holding-company capital due to double leverage and outstanding subordinated debt (~$40M). Management continues to work toward a comprehensive financial restructure to provide clarity by Q3/Labor Day, but material credit and capital uncertainties remain.Positive Updates
Net Interest Margin Improvement
Net interest margin ticked up roughly 8 basis points to just over 3% in the quarter, reflecting modest NIM improvement.
Negative Updates
Significant Loan Loss Provisioning
The quarter included approximately $19 million of loan loss provisioning, of which about $16.7 million was allocated to the C&I loan portfolio (excluding business express loans).
Read all updates
Q2-2026 Updates
Positive
Negative
Net Interest Margin Improvement
Net interest margin ticked up roughly 8 basis points to just over 3% in the quarter, reflecting modest NIM improvement.
Read all positive updates
Company Guidance
Management's guidance emphasized finishing a financial restructuring and exhaustive credit reviews by Q3 with “meaningful clarity” around Labor Day and a clear path into fiscal/calendar 2027, while erring on the side of keeping the bank well‑capitalized; key metrics called out include a margin uptick of ~8 bps to just over 3%, a Q2 goodwill write‑off of $5.3M, Q2 loan‑loss provisioning of $19M (about $16.7M into the C&I portfolio), C&I losses rising from $0.8M in Q1 to ~$5.8M in Q2, nearly $30M of 100% charge‑offs across recent periods, business‑express losses of ~$10M in 2025 (similar in 2024) but only $1.1M YTD in 2026 with 15% reserve coverage, past dues of roughly $122M, a cannabis portfolio of ~$69–70M, a DTA of about $25M, core operating revenue of ~$25M per quarter (~$100M annualized), suspension of common and preferred dividends, and elevated operating expenses for the next few quarters for consultants/legal with normalization expected by 2027.BCB Bancorp Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
58
Neutral
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 162.81M | 166.44M | 196.95M | 192.45M | 133.04M | 120.90M |
| Gross Profit | 63.56M | 44.51M | 83.39M | 102.05M | 118.61M | 101.86M |
| EBITDA | 900.00K | -17.33M | 26.52M | 40.90M | 63.75M | 50.48M |
| Net Income | 701.00K | -12.53M | 18.62M | 29.48M | 45.58M | 34.24M |
Balance Sheet | ||||||
| Total Assets | 3.27B | 3.28B | 3.60B | 3.83B | 3.55B | 2.97B |
| Cash, Cash Equivalents and Short-Term Investments | 294.97M | 277.32M | 318.02M | 279.52M | 321.81M | 497.55M |
| Total Debt | 279.64M | 289.35M | 511.46M | 523.75M | 433.63M | 121.74M |
| Total Liabilities | 2.96B | 2.98B | 3.28B | 3.52B | 3.25B | 2.69B |
| Stockholders Equity | 307.38M | 304.28M | 323.93M | 314.06M | 291.25M | 274.02M |
Cash Flow | ||||||
| Free Cash Flow | 35.06M | 34.87M | 66.50M | 30.63M | 40.37M | 45.57M |
| Operating Cash Flow | 36.08M | 35.92M | 67.73M | 35.16M | 40.89M | 45.89M |
| Investing Cash Flow | 210.13M | 232.38M | 222.77M | -233.32M | -761.50M | -7.67M |
| Financing Cash Flow | -205.23M | -309.00M | -252.74M | 248.33M | 538.34M | 112.17M |
BCB Bancorp Technical Analysis
Negative
10.14
Price Trends
10.46
Negative
9.96
Negative
8.94
Negative
Market Momentum
-0.37
Positive
31.17
Neutral
5.53
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCBP, the sentiment is Negative. The current price of 10.14 is above the 20-day moving average (MA) of 10.00, below the 50-day MA of 10.46, and above the 200-day MA of 8.94, indicating a bearish trend. The MACD of -0.37 indicates Positive momentum. The RSI at 31.17 is Neutral, neither overbought nor oversold. The STOCH value of 5.53 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BCBP.
BCB Bancorp Risk Analysis
BCB Bancorp disclosed 19 risk factors in its most recent earnings report. BCB Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
BCB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $192.65M | 19.41 | 5.68% | 1.08% | 0.36% | 84.94% | |
69 Neutral | $185.81M | 25.62 | 4.57% | 3.01% | -9.31% | -37.86% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $186.63M | 11.37 | 8.36% | 2.48% | 1.98% | 27.47% | |
63 Neutral | $177.86M | 13.51 | 7.07% | ― | 3.34% | 48.38% | |
49 Neutral | $173.46M | -142.71 | -5.77% | 4.73% | -15.00% | -146.52% |
* Financial Sector Average
BCBP
BCB Bancorp
8.91
0.87
10.88%
EBMT
Eagle Bancorp Montana
23.82
8.05
51.03%
CBFV
CB Financial Services
37.95
7.74
25.60%
FNWD
Finward Bancorp
44.51
16.43
58.49%
ECBK
ECB Bancorp, Inc.
20.68
4.71
29.49%
BVFL
BV Financial, Inc.
21.43
5.97
38.62%
BCB Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
BCB Bancorp Reports Q2 Loss, Suspends Dividends, Restructures
Negative
Aug 3, 2026
BCB Bancorp, Inc. reported a net loss of $14.8 million for the second quarter of 2026, reversing profits from both the prior quarter and the same period in 2025, with a six-month loss of $9.9 million. The results were driven by a sharply higher $1...
Business Operations and StrategyFinancial Disclosures
BCB Bancorp Schedules Upcoming Second-Quarter Earnings Release
Neutral
Jul 22, 2026
On July 22, 2026, BCB Bancorp, Inc. announced that it will release its financial results for the second quarter ended June 30, 2026 before the market opens on Monday, August 3, 2026. Management will host an earnings conference call and webcast at ...
Business Operations and StrategyDividendsRegulatory Filings and Compliance
BCB Bancorp to Suspend Dividend Reinvestment Stock Plan
Negative
Jul 8, 2026
On July 7, 2026, BCB Bancorp, Inc. notified participants that its 2026 Amended and Restated Dividend Reinvestment and Stock Purchase Plan will be suspended effective August 6, 2026, in line with the plan’s governing terms. The company said t...
Business Operations and StrategyDividends
BCB Bancorp Suspends Dividends to Strengthen Capital Position
Negative
Jun 18, 2026
On June 18, 2026, BCB Bancorp, Inc. announced that its board of directors voted to suspend payment of quarterly cash dividends on its common and preferred stock and to halt its 2026 Amended and Restated Dividend Reinvestment and Stock Purchase Pla...
Business Operations and StrategyExecutive/Board Changes
BCB Bancorp CEO Launches Strategic Turnaround and Review
Negative
Jun 3, 2026
On June 1, 2026, BCB Bancorp hosted a pre-announced investor call led by newly appointed President and CEO Thomas M. O’Brien, who outlined an initial 90-day period to deeply assess the bank’s operations, credit profile, and capital str...
Business Operations and StrategyExecutive/Board Changes
BCB Bancorp Appoints Veteran Banker Thomas O’Brien CEO
Positive
Jun 1, 2026
On June 1, 2026, BCB Bancorp appointed veteran banker Thomas M. O’Brien as president and CEO of both the company and BCB Community Bank, and to their boards, marking a strategic leadership shift at the $3.2 billion New Jersey-based community...
Business Operations and StrategyExecutive/Board Changes
BCB Bancorp Announces Leadership Change, Appoints Interim CEO
Neutral
May 21, 2026
On May 20, 2026, BCB Bancorp, Inc. announced that Michael A. Shriner separated from his roles as President, Chief Executive Officer and board member of both the company and its wholly owned subsidiary, BCB Community Bank. The boards of BCB Bancorp...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.