BCB Bancorp, Inc.
- Open
- 8.68
- Day high
- 8.72
- Day low
- 8.62
- Prev close
- 8.68
- Volume
- 31K
- Mkt cap
- $157M
- P/E (TTM)
- —
- EPS (TTM)
- —
- P/B
- 0.5
- P/S
- 1.1
- Yield
- 3.69%
- Per share
- $0.32
- ▲Insiders net buying $50K over the last 3 months (1 open-market buy, 0 sales)
- 🏛Institutions accumulating (13F)
BCB Bancorp, Inc. (BCBP) is a Financial Services company listed on NASDAQ. The stock is down 3% over the past year. Over the trailing 3 months, insiders filed 1 open-market buy and 0 sales (SEC Form 4). Drillr has 1 published research article covering BCBP.
BCB Bancorp, Inc. (BCBP) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
BCBP earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Aug 3, 2026 | $0.24 | $-0.85 | -446.9% | $23M | -10.5% |
| Apr 21, 2026 | $0.25 | $0.26 | +4.0% | $25M | -3.3% |
| Mar 9, 2026 | — | $-0.70 | — | $29M | — |
| Apr 22, 2025 | $0.23 | $-0.51 | -321.7% | $24M | -0.6% |
| Jan 28, 2025 | $0.29 | $0.16 | -44.8% | $23M | -6.1% |
| Oct 18, 2024 | $0.32 | $0.32 | +0.0% | $26M | +4.5% |
| Jul 19, 2024 | $0.30 | $0.14 | -53.3% | $20M | -17.6% |
| Apr 19, 2024 | $0.35 | $0.32 | -8.6% | $25M | -0.2% |
| Jan 25, 2024 | $0.38 | $0.35 | -7.9% | $27M | +2.7% |
| Oct 19, 2023 | $0.50 | $0.39 | -22.0% | $27M | -2.7% |
| Jul 20, 2023 | $0.55 | $0.50 | -9.1% | $28M | -3.8% |
| Apr 18, 2023 | $0.67 | $0.46 | -31.3% | $41M | +25.2% |
BCBP insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 5, 2026 | Werdann Geralddirector | Buy | 4,400 | $11.28 |
| Apr 24, 2026 | Werdann Geralddirector | Grant | 4,226 | $9.86 |
| Mar 2, 2026 | HOGAN MARK Ddirector | Buy | 5,000 | $7.97 |
| Feb 12, 2026 | Widmer Michael Jdirector | Grant | 5,952 | — |
| Feb 12, 2026 | BIELAN JUDITH Qdirector | Grant | 5,952 | — |
| Feb 12, 2026 | Rizzo James G.director | Grant | 5,952 | — |
| Feb 12, 2026 | French Tara Ldirector | Grant | 5,952 | — |
| Feb 12, 2026 | HOGAN MARK Ddirector | Grant | 5,952 | — |
| Feb 12, 2026 | Pulomena Johndirector | Grant | 5,952 | — |
| Feb 12, 2026 | LYGA JOSEPHdirector | Grant | 5,952 | — |
| Feb 12, 2026 | Widmer Michael Jdirector | Buy | 2,000 | $8.40 |
| Feb 12, 2026 | DiDomenico Vincent Jrdirector | Grant | 5,952 | — |
| Oct 17, 2025 | Sievewright Sandraofficer: Chief Compliance Officer | Grant | 7,185 | $9.91 |
| Aug 1, 2025 | Chaudhry Jawadofficer: Chief Financial Officer | Option | 15,267 | $9.91 |
| Aug 1, 2025 | Blake Ryandirector, officer: Chief Operating Officer | Option | 14,369 | $9.91 |
Source: BCBP SEC Form 4 filings, latest Jun 5, 2026. For informational purposes only — not investment advice.
See the full BCBP insider & 13F page →BCB Bancorp, Inc. company profile
Overview
BCB Bancorp, Inc. (NASDAQ:BCBP) is a regional bank holding company founded in 2000 and headquartered in Bayonne, New Jersey. The company operates through its subsidiary BCB Community Bank, serving businesses and individuals primarily in northern New Jersey and select areas of New York. With 29 branch offices across New Jersey communities including Bayonne, Jersey City, Newark, and Edison, plus three branches in Staten Island and Hicksville, New York, BCB Bancorp has established itself as a community-focused financial institution in the densely populated New York metropolitan area.
Business
BCB Bancorp operates in the regional banking industry, which serves as a critical intermediary between depositors seeking safe places to store money and borrowers needing capital for various purposes. Regional banks like BCB typically focus on specific geographic markets, building relationships within their communities rather than competing on a national scale like major money center banks. The company's core business revolves around traditional banking services delivered through two primary segments. **Deposit products** form the foundation of the bank's funding base, including savings accounts, checking accounts (both interest-bearing and non-interest-bearing), money market accounts, certificates of deposit, and individual retirement accounts. These products allow customers to safely store money while earning modest returns, with the bank using these deposits as its primary source of funding. **Lending operations** represent the bank's primary revenue-generating activity, encompassing several loan categories. Commercial and multi-family real estate loans serve business customers and real estate investors seeking to purchase or refinance income-producing properties. One-to-four family mortgage loans help individuals purchase homes, while commercial business loans provide working capital and equipment financing to local businesses. The bank also participates in Small Business Administration (SBA) lending programs, which offer government-backed loans to qualifying small businesses. Additionally, BCB offers construction loans for development projects, home equity loans and lines of credit secured by residential properties, and various consumer loans for personal needs. Beyond traditional banking, the company provides **retail and commercial banking services** including wire transfers for moving money domestically and internationally, money orders, safe deposit boxes for secure storage of valuables, night depository services for business customers, debit cards, online and mobile banking platforms, fraud detection services, and automated teller machine access.
Revenue model
BCB Bancorp operates on the traditional banking business model of **net interest margin**, earning money primarily through the spread between what it pays depositors for their funds and what it charges borrowers for loans. The bank collects deposits from individuals and businesses at relatively low interest rates, then lends these funds at higher rates to borrowers, capturing the difference as net interest income. The company's paying customers fall into two main categories. **Deposit customers** include individuals seeking safe storage for their money, retirees looking for steady income from certificates of deposit, and businesses needing checking accounts and cash management services. **Borrowing customers** encompass homebuyers seeking mortgages, real estate investors financing rental properties, small business owners requiring working capital, and consumers needing personal loans. **Fee-based services** provide additional revenue streams through charges for wire transfers, overdraft fees, safe deposit box rentals, and various account maintenance fees. These services typically generate higher margins than traditional lending but represent a smaller portion of total revenue. Several factors significantly impact the bank's profitability margins. **Interest rate environment** represents the most critical factor - rising rates generally benefit banks by allowing them to charge more for loans while deposit rates typically lag, expanding net interest margins. Conversely, falling rates compress margins. **Credit quality** directly affects profitability, as loan losses from defaults reduce net income and require provisions that lower earnings. **Competition** from other banks, credit unions, and online lenders can pressure both deposit rates (increasing funding costs) and loan rates (reducing revenue). **Regulatory compliance costs** continue to rise, particularly for smaller banks that lack the scale to spread these expenses efficiently. **Economic conditions** in the bank's New Jersey and New York markets influence both loan demand and credit quality, with local real estate values being particularly important given the bank's concentration in real estate lending.
Competitive moat
BCB Bancorp operates with a relatively narrow economic moat typical of smaller regional banks. The company's primary competitive advantage lies in its **local market knowledge and community relationships** built over more than two decades of operation in northern New Jersey and select New York markets. This geographic focus allows BCB to understand local economic conditions, build personal relationships with business owners and residents, and make lending decisions based on intimate knowledge of neighborhoods and borrowers. The bank benefits from **switching costs** that make it inconvenient for customers to change banks, particularly business customers with complex cash management needs, multiple accounts, and established lending relationships. Small businesses often prefer working with local bankers who understand their operations and can make faster lending decisions compared to large national banks with centralized underwriting. However, BCB's moat faces significant challenges. **Scale disadvantages** limit the bank's ability to invest in technology, compete on pricing, or absorb regulatory compliance costs as efficiently as larger institutions. **Geographic concentration** in the expensive New York metropolitan area creates both opportunity and risk - while the market is wealthy and densely populated, it's also highly competitive with numerous banks, credit unions, and fintech companies vying for customers. **Technological disruption** poses an increasing threat as online banks offer higher deposit rates without branch networks, while fintech lenders can approve loans faster and often at competitive rates. Large banks continue to invest billions in digital platforms that smaller institutions like BCB struggle to match. **Regulatory burden** disproportionately affects smaller banks, as compliance costs represent a higher percentage of revenue compared to mega-banks that can spread these expenses across much larger asset bases. The company's moat is further weakened by **limited product breadth** compared to larger competitors that offer investment services, insurance, and sophisticated commercial banking products. BCB's ability to retain customers and attract new ones increasingly depends on personal service quality and local market expertise rather than structural competitive advantages.
Risks & safety
BCB Bancorp presents a moderate margin of safety profile with mixed financial indicators requiring careful consideration. **Overall Assessment**: The bank maintains adequate capital levels and strong liquidity but faces earnings volatility and valuation concerns that suggest limited downside protection. • **Cash and Liquidity**: Strong position with $318 million in cash and short-term investments representing 8.8% of total assets, providing substantial liquidity buffer • **Debt and Solvency**: Debt-to-equity ratio of 1.58x is typical for banks but indicates moderate leverage; no immediate solvency concerns given regulatory capital requirements • **Profitability Trends**: Significant earnings volatility with 2024 net income of $18.6 million down sharply from $45.6 million in 2022, indicating operational challenges • **Valuation Metrics**: Price-to-book ratio of 0.62x suggests potential undervaluation, while P/E ratio of 10.8x appears reasonable but reflects recent earnings decline • **Return Metrics**: Return on equity of 5.7% in 2024 is below industry averages and significantly lower than the 15.6% achieved in 2022 • **Asset Quality**: Limited visibility into loan loss provisions and non-performing assets from available data creates uncertainty about credit risk exposure • **Capital Adequacy**: Operating as a regulated bank provides some downside protection through FDIC insurance and regulatory oversight, though specific capital ratios not disclosed
Recent development
Based on available financial data, BCB Bancorp has experienced significant operational changes over the past few years, though specific strategic initiatives are not detailed in the provided earnings information. The most notable development has been **substantial earnings volatility**, with net income declining from $45.6 million in 2022 to $18.6 million in 2024, representing a 59% decrease over two years. **Revenue patterns** show considerable quarterly fluctuation, with 2024 quarterly revenues ranging from $23.1 million in Q4 to $51.4 million in Q1, suggesting either seasonal business patterns or one-time items affecting reported revenues. This volatility indicates the bank may be navigating challenging market conditions or implementing operational changes. **Balance sheet management** has remained relatively stable, with total assets hovering around $3.6-3.8 billion throughout 2024, while the bank has maintained substantial cash positions exceeding $240 million in most quarters. This high cash level suggests either difficulty deploying funds profitably in the current interest rate environment or a strategic decision to maintain liquidity during uncertain times. The **geographic footprint** has remained consistent with 29 New Jersey branches and three New York locations, indicating the bank has not pursued aggressive expansion strategies during this period. Instead, management appears focused on optimizing existing operations rather than growth through new market entry or acquisition activity. Without detailed earnings call transcripts, specific strategic initiatives regarding digital transformation, product development, or market expansion efforts remain unclear, though the financial performance suggests the bank is working through operational challenges while maintaining its community banking focus.
BCBP company profile · for informational purposes only — not investment advice.
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