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BCB Bancorp, Inc. (NJ)

BCBP Financial Banks Regional

BCB Bancorp, Inc. (NJ)’s revenue for fiscal 2025 (year ended December 2025) was $181.5 million, down 7.84% from fiscal 2024.

Revenue
−11.6%
EPS
−572.2%
Free cash flow
−8.23%
Total debt
−55.6%

Quarter to June 2026, against a year earlier

9.13 0.03 +0.33%
Market cap
$280.8M
P/E
0.0×
Fwd P/E
−1.3×
Dividend yield
3.50%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 1.42
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 2 — — — 1 — — 2 — 2
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 280.76
Revenue ttm 172.77
Net income ttm (17.64)
Free cash flow ttm 34.22
Net debt Q (29.29)
Valuation
P/E 0.00
Forward P/E (1.32) (negative: loss-making)
Price / sales 0.91
Forward P/S Powerpack
Price / FCF 4.62
Price / book 0.59
Financial health
Current ratio Q 1.07
Debt / equity Q 0.58
Interest coverage Q —
Growth
Revenue growth Q −11.64% (below 0%: shrinking)
Operating income growth Q −463.50% (below 0%: shrinking)
EPS, this year −861.90% (below 0%: weak)
EPS, next year A +107.67% (at or above 15%: strong)
Revenue, next year A −46.00% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A −1.46% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 16.35%
10-year low 10-year high
P/B against its own 10 years 15.44%
10-year low 10-year high

Dividends

Yield
3.50%
Annual rate
0.32
Payout ratio
—
Growth, 2018–26
−14.5%/yr
  1. 0.56 ’18
  2. 0.56 ’19 +0
  3. 0.56 ’20 +0
  4. 0.60 ’21 +7
  5. 0.64 ’22 +7
  6. 0.64 ’23 +0
  7. 0.64 ’24 +0
  8. 0.64 ’25 +0
  9. 0.16 ’26 −75
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 280 318 277 198
Receivables — — — —
Inventory — — — —
Other — — — —
3,577 3,329 2,982 2,811
2023 2024 2025 Q'26
Payables 2,979 2,751 2,674 2,636
ST’ Debt — — — —
Other — — — —
2,979 2,751 2,674 2,636

Compound Annual Growth %

10y 5y 3y
Sales 9.32% 7.59% 10.91%
Cash Flow 16.67% (23.75%) (4.23%)
Earnings 0.00% 0.00% 0.00%
Book Value 8.58% 4.07% 1.47%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate −7.35 Actual −6.92

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 −0.88 −0.73 Beat by 0.15
Q1 FY26 0.25 0.26 Beat by 0.01
Q2 FY26 0.25 −0.85 Miss by 1.10
Q3 FY26 −7.35 −6.92 Beat by 0.43
Q4 FY26 0.08 — Reports 29 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.26 (0.85) — — —
’25 (0.51) 0.18 0.22 (0.73) (0.84)
’24 0.32 0.14 0.36 0.16 0.99
’23 0.46 0.50 0.39 0.35 1.70
’22 0.56 0.58 0.76 0.69 2.58
’21 0.40 0.45 0.47 0.61 1.92
’20 0.12 0.14 0.47 0.41 1.14
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 43 40 — — —
’25 46 45 46 44 182
’24 51 46 52 48 197
’23 41 48 50 53 192
’22 27 30 36 40 133
’21 30 31 29 31 121
’20 30 28 35 32 126
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 5 10 — — —
’25 5 10 9 12 36
’24 8 8 44 8 68
’23 16 8 10 1 35
’22 12 8 13 8 41
’21 14 7 12 13 46
’20 6 (3) 4 133 139
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 5 9 — — —
’25 5 10 8 12 35
’24 8 8 43 7 67
’23 16 4 10 1 31
’22 12 8 13 8 40
’21 14 8 12 13 47
’20 6 (3) 10 134 146
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 77 85 113 129 126 121 133 192 197 182 173 +9.9% 98 99 98 (18.6%)
Gross margin, % 78.97 81.56 75.75 68.24 73.78 87.48 86.85 56.20 48.22 55.97 58.13 (23.0) pt
EBT 13 20 24 30 29 48 63 41 26 (18) (23) n/m
EBT margin, % 17.12 23.76 21.44 23.53 23.37 39.79 47.44 21.54 13.34 (10.08) (13.46) (27.2) pt
Net income 8 10 17 21 21 34 46 29 19 (13) (18) n/m
Per share, $
Per share, $ Revenue 6.89 6.86 7.26 7.88 7.32 7.11 7.84 11.41 11.58 10.56 9.98 +4.9%
Earnings 0.63 0.76 1.02 1.20 1.14 1.94 2.64 1.71 0.99 (0.84) (1.10) n/m
Cash flow 0.64 1.70 2.57 1.48 8.10 2.69 2.41 2.08 3.98 2.09 2.04 +14.0%
Capex (0.44) 0.31 (0.03) (0.01) 0.40 0.05 (0.03) (0.26) (0.07) (0.06) (0.06) (19.7%)
Free cash flow 0.21 2.01 2.54 1.48 8.50 2.74 2.38 1.82 3.91 2.03 1.98 +29.0%
Book value 11.66 14.23 12.86 14.63 14.48 16.06 17.16 18.62 19.05 17.71 16.87 +4.7%
Shares, m 11 12 16 16 17 17 17 17 17 17 17 +4.8%
Valuation, ×
Valuation, × P/E 20.76 18.19 10.37 11.40 9.71 7.99 6.78 7.69 12.08 0.00 0.00 10.5
P/S 1.90 2.13 1.44 1.75 1.51 2.17 2.28 1.15 1.02 0.76 0.91 1.6
P/B 1.27 1.11 0.90 1.05 0.85 1.07 1.12 0.77 0.67 0.50 0.59 0.9
EV/Sales 3.10 2.88 2.21 (0.33) 1.24 (0.33) 3.71 2.35 1.94 0.77 — 1.8
EV/FCF 103.94 9.84 6.29 (1.77) 1.07 (0.86) 12.22 14.68 5.74 4.00 — 15.5
Cash, $m
Cash, $m Operating cash flow 7 21 40 24 139 46 41 35 68 36 35 +19.5%
Capex (5) 4 0 0 7 1 (1) (4) (1) (1) (1) (15.8%)
Free cash flow 2 25 40 24 146 47 40 31 67 35 34 +35.2%
Balance, $m
Balance, $m Working capital 149 207 303 377 255 166 478 598 579 309 175 +8.5%
Net debt 93 64 86 (268) (34) (303) 190 230 180 1 (29) (40.3%)
Shareholders’ equity 131 176 200 239 249 274 291 314 324 304 292 +9.8%
Returns, %
Returns, % ROA 0.42 0.51 0.68 0.71 0.68 1.14 1.38 0.78 0.45 (0.42) (0.59) (0.8) pt
ROIC 3.70 5.46 5.81 0.00 8.54 0.00 8.20 4.76 3.26 (3.75) (1.95) (7.4) pt
ROE 6.09 6.72 9.20 9.97 8.93 14.12 17.38 10.29 5.71 (5.00) (6.85) (11.1) pt
People
People Employees 353 314 365 365 302 292 301 312 316 329 — (0.8%)
Revenue/emp, $m 0.22 0.27 0.31 0.35 0.42 0.42 0.44 0.62 0.62 0.55 — +10.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

BCB Bancorp, Inc. (NJ) vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
QNBC QNB Corp. $291.4M — (loss-making) — (loss-making) −74.89% (below 0%: shrinking) n/m +282.00% (above 0%: growing) (90.91%) 0.00% Compare
VABK Virginia National Bankshares Corporation $288.7M 11.6× 17.8× +24.86% (above 0%: growing) +110.13% (above 0%: growing) −47.94% (below 0%: shrinking) 77.48% 0.00% Compare
BCBP BCB Bancorp, Inc. (NJ) $280.8M — (loss-making) — (loss-making) −11.64% (below 0%: shrinking) n/m −8.23% (below 0%: shrinking) 57.20% 0.00%
LCNB LCNB Corporation $278.5M 11.2× 10.7× −0.76% (below 0%: shrinking) +4.08% (above 0%: growing) +43.09% (above 0%: growing) 78.76% 0.00% Compare
FXNC First National Corp. $274.9M 12.7× 11.6× +2.05% (above 0%: growing) +14.29% (above 0%: growing) +60.14% (above 0%: growing) 80.94% 0.00% Compare
WNEB Western New England Bancorp $271.3M 13.7× 14.0× +6.03% (above 0%: growing) +100.00% (above 0%: growing) −9.46% (below 0%: shrinking) 67.88% 0.00% Compare
FBLA FB Bancorp, Inc. $268.4M — (loss-making) — +8.80% (above 0%: growing) n/m +669.02% (above 0%: growing) 74.66% 0.00% Compare
HWBK Hawthorn Bancshares, Inc. $268.4M 10.5× 10.0× +9.30% (above 0%: growing) +20.45% (above 0%: growing) +123.49% (above 0%: growing) 76.36% 0.00% Compare
RMBI Richmond Mutual Bancorporation, Inc. $262.8M 12.6× 16.7× +4.69% (above 0%: growing) −14.81% (below 0%: shrinking) −35.05% (below 0%: shrinking) 58.15% 0.00% Compare
Median of peers $273.1M 12.1× 12.8× +5.36% +17.37% +51.62% 75.51% 0.00%

All 327 Banks Regional stocks →

BCB Bancorp, Inc. (NJ) (BCBP) Latest News

29 Oct

Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby transcript
Impact 4 · · MarketBeat
Impact 4 · · Associated Press
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
Impact 3 · · Zacks

7 Oct

Impact 3 · · GlobeNewswire

25 Sep

Impact 4 · · GlobeNewswire

20 Sep

Impact 3 ·

18 Sep

Impact 3 ·

17 Sep

Impact 4 · · InvestorsHub

16 Sep

Impact 4 ·
Impact 4 ·
Impact 3 ·

10 Aug

Impact 3 · · The Motley Fool transcript

4 Aug

Impact 3 · · Moby transcript

3 Aug

Impact 3 · · MarketBeat transcript
Impact 3 ·
Impact 3 ·

18 Jun

Impact 4 ·

2 Jun

Impact 3 · · bankingdive.com

1 Jun

Impact 4 · · GlobeNewswire

21 Apr

Impact 3 ·
Impact 3 ·

25 Mar

Impact 4 · · Zacks

16 Feb

Impact 4 · · Zacks

12 Feb

Impact 3 · · Zacks

5 Feb

Impact 3 · · Simply Wall St.

30 Jan

Impact 3 · · Zacks
stockrow.com/BCBP · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com