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BCB Bancorp
(NASDAQ:BCBP)
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Rating:47Neutral
Price Target:
$8.50
▼(-1.85% Downside)
Action:Reiterated
Date:09/19/26
The score is primarily held back by deteriorating profitability and ongoing credit-cost uncertainty (losses, sizable provisions/charge-offs, and restructuring-related expenses). Balance-sheet leverage improvement and still-positive cash flow provide some support, while technicals remain below key moving averages and valuation is difficult to interpret due to negative earnings despite a high indicated yield.
Positive Factors
Capital and liquidity strengthening
September's $92.4 million of net proceeds materially increases available capital and liquidity, giving BCB more capacity to dispose of problem loans, reduce debt, and maintain targeted regulatory ratios. This can improve resilience while management executes its credit cleanup.
Negative Factors
Severe credit portfolio cleanup
The scale of the planned loan sales and expected provisions indicates that credit problems remain a major structural burden rather than an isolated quarterly issue. Further dispositions, losses, and capital needs could weigh on earnings and restrict lending capacity over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Capital and liquidity strengthening
September's $92.4 million of net proceeds materially increases available capital and liquidity, giving BCB more capacity to dispose of problem loans, reduce debt, and maintain targeted regulatory ratios. This can improve resilience while management executes its credit cleanup.
Read all positive factors
BCB Bancorp (BCBP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$252.31M
Dividend Yield5.52%
Average Volume (3M)269.01K
Price to Earnings (P/E)―
Beta (1Y)0.40
Revenue Growth-17.41%
EPS Growth-674.10%
CountryUS
Employees295
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-1.11
Shares Outstanding29,101,822
10 Day Avg. Volume563,491
30 Day Avg. Volume269,011
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
$8.95Price Target Upside3.35% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)-9.04
Revenue Forecast (FY)$69.23M
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 makes money primarily through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned on the spread between (1) interest and fees collected on interest-earning assets—most notably ...
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
28
Negative
Balance Sheet
52
Neutral
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 146.91M | 166.44M | 196.95M | 192.45M | 133.04M | 120.90M |
| Gross Profit | 36.52M | 44.51M | 83.39M | 102.05M | 118.61M | 101.86M |
| EBITDA | -22.49M | -17.33M | 26.52M | 40.90M | 63.75M | 50.48M |
| Net Income | -17.64M | -12.53M | 18.62M | 29.48M | 45.58M | 34.24M |
Balance Sheet | ||||||
| Total Assets | 3.12B | 3.28B | 3.60B | 3.83B | 3.55B | 2.97B |
| Cash, Cash Equivalents and Short-Term Investments | 14.57M | 277.32M | 318.02M | 279.52M | 321.81M | 497.55M |
| Total Debt | 179.29M | 289.35M | 511.46M | 523.75M | 433.63M | 121.74M |
| Total Liabilities | 2.83B | 2.98B | 3.28B | 3.52B | 3.25B | 2.69B |
| Stockholders Equity | 291.92M | 304.28M | 323.93M | 314.06M | 291.25M | 274.02M |
Cash Flow | ||||||
| Free Cash Flow | 34.73M | 34.87M | 66.50M | 30.63M | 40.37M | 45.57M |
| Operating Cash Flow | 35.33M | 35.92M | 67.73M | 35.16M | 40.89M | 45.89M |
| Investing Cash Flow | 199.58M | 232.38M | 222.77M | -233.32M | -761.50M | -7.67M |
| Financing Cash Flow | -244.87M | -309.00M | -252.74M | 248.33M | 538.34M | 112.17M |
BCB Bancorp Technical Analysis
Neutral
8.66
Price Trends
9.14
Negative
9.79
Negative
9.10
Negative
Market Momentum
-0.11
Negative
47.27
Neutral
69.98
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCBP, the sentiment is Neutral. The current price of 8.66 is above the 20-day moving average (MA) of 8.61, below the 50-day MA of 9.14, and below the 200-day MA of 9.10, indicating a neutral trend. The MACD of -0.11 indicates Negative momentum. The RSI at 47.27 is Neutral, neither overbought nor oversold. The STOCH value of 69.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BCBP.
BCB Bancorp Risk Analysis
BCB Bancorp disclosed 10 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 3 New Risks
1.
Risk Related to Credit Q2, 2026
2.
Risk Related to Liquidity Q2, 2026
BCB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | $182.64M | 18.19 | 5.68% | 1.15% | 0.32% | 84.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $180.68M | 13.68 | 7.07% | 0.70% | 3.34% | 48.71% | |
64 Neutral | $192.44M | 25.95 | 4.57% | 2.96% | -9.31% | -37.86% | |
63 Neutral | $172.53M | 10.29 | 8.36% | 2.75% | 1.82% | 27.47% | |
47 Neutral | $252.31M | -7.83 | -5.77% | 5.52% | -17.41% | -674.10% |
* Financial Sector Average
BCBP
BCB Bancorp
8.69
0.26
3.08%
EBMT
Eagle Bancorp Montana
21.20
4.37
25.96%
CBFV
CB Financial Services
37.11
4.25
12.92%
FNWD
Finward Bancorp
41.66
9.85
30.95%
ECBK
ECB Bancorp, Inc.
20.05
4.14
26.02%
BVFL
BV Financial, Inc.
20.80
4.26
25.76%
BCB Bancorp Corporate Events
Business Operations and StrategyPrivate Placements and Financing
BCB Bancorp Completes Capital-Raising Common Stock Offering
Positive
Sep 18, 2026
On September 16 and 18, 2026, BCB Bancorp, Inc. entered into an underwriting agreement with Piper Sandler Co. and completed an underwritten public offering of 12,650,000 shares of common stock at $7.75 per share, including the full exercise of th...
Business Operations and StrategyPrivate Placements and Financing
BCB Bancorp Announces Major Common Stock Offering
Neutral
Sep 17, 2026
On September 16, 2026, BCB Bancorp, Inc. announced the pricing of an underwritten public offering of 11,000,000 shares of common stock, targeting total gross proceeds of $85.25 million, with closing expected on September 18, 2026 subject to custom...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
BCB Bancorp Launches Stock Offering Amid Credit Cleanup
Negative
Sep 16, 2026
On September 16, 2026, BCB Bancorp, Inc. launched an underwritten public offering of common stock to strengthen liquidity, support capital, reduce debt, and fund the expected disposition of problem credits. The move comes as the holding company fo...
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...
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.