BCB Bancorp AI Stock Analysis
Want to see BCBP full AI Analyst Report?
BCB Bancorp (BCBP) AI Stock Analysis
BCB Bancorp
(NASDAQ:BCBP)
The score is held back primarily by weak financial performance, with recent losses and deteriorating margins outweighing balance-sheet deleveraging and still-positive cash flow. Offsetting this, the latest earnings call points to tangible progress in de-risking and improving asset quality, while technicals show improving trend but are close to overbought. Valuation is mixed: a high dividend yield helps, but the negative P/E underscores ongoing earnings risk.
BCB Bancorp (BCBP) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $281.99M
- Dividend Yield
- 5.25%
- Average Volume (3M)
- 290.82K
- Price to Earnings (P/E)
- -1.1
- Beta (1Y)
- 0.24
- Revenue Growth
- -16.04%
- EPS Growth
- -17100.00%
- Country
- US
- Employees
- 295
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 includ...
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 loa...
BCB Bancorp Earnings Call Summary
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.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management expects the sale of the remaining cannabis portfolio of loans and deposits in the fourth quarter, with about $70 million to $80 million in deposits and about $70 million in loans, and said it is “pretty far along.” Professional and legal fees will continue to be “a little bit higher” in the fourth quarter, while “the lion’s share” of the about $5 million of higher expenses this quarter should start to drop away; Jawad Chaudhry said “probably $2.5 million-$3 million” of elevated expenses was tied to transactions, “a good portion” of which should fall back in the fourth quarter, although it is difficult to give a precise estimate. Management also anticipates additional problem loans being favorably resolved in “a few one-off type transactions,” expects “some recoveries” and “positive volatility,” and said the first opportunity to reconsider the $60 million deferred tax asset valuation allowance would be “by the end of 2027,” assuming both quantity and quality of earnings in each of the next five quarters support the decision.
BCB Bancorp Financial Statement Overview
Summary
Financial performance is pressured by a sharp profitability collapse: earnings turned negative in 2025 and deteriorated further in TTM with deeply negative operating and net margins and weaker revenue. Offsetting factors include improved leverage (very low debt-to-equity in TTM) and still-positive operating/free cash flow, though free cash flow growth turned sharply negative in TTM.
Income Statement
18Very NegativeBalance Sheet
46NeutralCash Flow
62Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 144.49M | 166.44M | 196.95M | 192.45M | 133.04M | 120.90M |
| Gross Profit | -73.22M | 44.51M | 83.39M | 102.05M | 118.61M | 101.86M |
| EBITDA | -137.03M | -17.33M | 26.52M | 40.90M | 63.75M | 50.48M |
| Net Income | -154.35M | -12.53M | 18.62M | 29.48M | 45.58M | 34.24M |
Balance Sheet | ||||||
| Total Assets | 3.02B | 3.28B | 3.60B | 3.83B | 3.55B | 2.97B |
| Cash, Cash Equivalents and Short-Term Investments | 148.21M | 277.32M | 318.02M | 279.52M | 321.81M | 497.55M |
| Total Debt | 154.04M | 289.35M | 511.46M | 523.75M | 433.63M | 121.74M |
| Total Liabilities | 2.78B | 2.98B | 3.28B | 3.52B | 3.25B | 2.69B |
| Stockholders Equity | 246.08M | 304.28M | 323.93M | 314.06M | 291.25M | 274.02M |
Cash Flow | ||||||
| Free Cash Flow | 30.50M | 34.87M | 66.50M | 30.63M | 40.37M | 45.57M |
| Operating Cash Flow | 31.58M | 35.92M | 67.73M | 35.16M | 40.89M | 45.89M |
| Investing Cash Flow | 392.42M | 232.38M | 222.77M | -233.32M | -761.50M | -7.67M |
| Financing Cash Flow | -173.30M | -309.00M | -252.74M | 248.33M | 538.34M | 112.17M |
BCB Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCBP, the sentiment is Positive. The current price of 9.14 is above the 20-day moving average (MA) of 8.65, above the 50-day MA of 8.58, and below the 200-day MA of 9.20, indicating a neutral trend. The MACD of 0.18 indicates Negative momentum. The RSI at 69.98 is Neutral, neither overbought nor oversold. The STOCH value of 88.16 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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.
Latest Risks Added
2 New RisksBCB Bancorp Peers Comparison
Overall Rating
CBFV71Outperform
FNWD70Outperform
BVFL66Neutral
EBMT63Neutral- BCBP55Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CBFV | 71Outperform | $205.56M | 11.27 | 11.50% | 2.70% | 27.49% | 607.99% |
| FNWD | 70Outperform | $190.73M | 24.37 | 4.50% | 1.10% | -0.28% | -6.38% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BVFL | 66Neutral | $178.48M | 13.79 | 6.96% | ― | 1.48% | 43.50% |
| EBMT | 63Neutral | $163.93M | 10.41 | 7.98% | 2.84% | 1.34% | 13.99% |
| BCBP | 55Neutral | $281.99M | -1.11 | -53.70% | 5.25% | -16.04% | -17100.00% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BCBP | BCB Bancorp | 9.14 | 1.59 | 21.12% | |
| EBMT | Eagle Bancorp Montana | 20.51 | 4.40 | 27.30% | |
| CBFV | CB Financial Services Inc | 40.80 | 7.61 | 22.92% | |
| FNWD | Finward Bancorp | 43.63 | 8.72 | 24.97% | |
| ECBK | ECB Bancorp, Inc. | 20.94 | 3.26 | 18.44% | |
| BVFL | BV Financial, Inc. | 21.23 | 4.27 | 25.18% |
BCB Bancorp Corporate Events
BCB Bancorp Overhauls Leadership Amid Elevated Credit Losses
NegativeBCB Bancorp reported a net loss attributable to common stockholders of $132.5 million for the third quarter of 2026, sharply widening from a $14.8 million loss in the prior quarter and contrasting with a $3.8 million profit a year earlier, largely du...
BCB Bancorp Strengthens Governance With New Legal Leadership
PositiveOn October 7, 2026, BCB Bancorp, Inc. reorganized its C-suite and governance structure, appointing veteran banking attorney Patricia M. Schaubeck as Executive Vice President, Chief Legal Officer and Corporate Secretary of both the company and BCB Com...
BCB Bancorp Sheds Problem Loans to De-Risk Portfolio
NegativeOn September 25, 2026, BCB Bancorp, Inc. reported that BCB Community Bank had entered into definitive agreements between September 21 and September 24, 2026 to sell portfolios of problem loans with unpaid principal of about $205.3 million as of June...
BCB Bancorp Completes Capital-Raising Common Stock Offering
PositiveOn 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 the...
BCB Bancorp Announces Major Common Stock Offering
NeutralOn 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 customary...
BCB Bancorp Launches Stock Offering Amid Credit Cleanup
NegativeOn 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 for B...
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.
Date of analysis: Nov 07, 2026