BCB Bancorp, Inc. (BCBP) AI Stock Analysis

BCB Bancorp, Inc. is a bank holding company overseeing BCB Community Bank, which serves businesses and individuals across the United States. Founded in 2000 and based in Bayonne, New Jersey, the institution provides retail deposit products such as savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Its lending operations encompass commercial real estate loans, multi-family mortgage loans, small business administration loans, construction loans, and consumer loans. Additionally, BCB Bancorp delivers retail and commercial banking services through online and mobile platforms, while monitoring developments in financial technology such as cryptocurrency and blockchain.

Between FY2021 and FY2024, BCB Bancorp grew annual revenue from $120.9M to a peak of $196.9M, before falling 15.5% in FY2025 to $166.4M. Over that span, operating margin contracted from 39.9% in FY2021 to -11.0% in FY2025, turning net income from $34.2M to -$12.5M and EPS to -$0.84. In the latest quarter ended June 30, 2026, quarterly revenue fell 80.8% year-over-year, while quarterly earnings dropped 39.0%. For the trailing twelve months, revenue was $62.4M, with a net profit margin of -28.3% and EPS of -$1.11.

As of June 30, 2026, BCB Bancorp held $14.6M in cash and short-term investments against total debt of $179.3M, resulting in net debt of $164.7M. Total assets stood at $3.12B alongside shareholders' equity of $291.9M, reflecting a debt-to-equity ratio of 0.61 and a current ratio of 2.67. In FY2025, the company generated $35.9M in operating cash flow and $34.9M in free cash flow. Capital expenditures were $1.0M, while dividends paid totaled $12.6M. Its share count rose 0.3% over five years.

BCBP closed at $8.12 on October 16, 2026, representing a market capitalization of $249.7M and an enterprise value of $153.9M. The stock trades at a forward P/E of 8.8x, compared to the median of 10.8x for its US-listed Financial Services peer group. Its price-to-sales ratio is 4.0x, above the peer median of 3.2x, while its price-to-book ratio is 0.5x. Over the past year, BCBP gained 7.8% compared to a 16.8% return for the S&P 500 (SPY), and over five years the stock fell 30.5% while the index gained 83.0%.

Wall Street coverage consists of 3 Hold ratings, with no Buy or Sell recommendations. The mean price target is $8.95, which is 10.2% above the last close of $8.12. For the fiscal year ending December 31, 2026, consensus estimates project an EPS of -$8.09 on revenue of $98.0M. For the following fiscal year, 3 analysts project revenue of $99.0M and an EPS of $0.67. BCB Bancorp beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is October 26, 2026.

This page is an AI-written research summary of BCB Bancorp, Inc. (BCBP). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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