BCB Bancorp, Inc.

Report azionario NasdaqGM:BCBP

Capitalizzazione di mercato: US$172.1m

BCB Bancorp Performance degli utili passati

Criteri Il passato verificati 0/6

Gli utili di BCB Bancorp sono diminuiti a un tasso medio annuo di -33%, mentre il settore Banks ha visto gli utili crescere a un tasso medio annuo di 2.8%. I ricavi sono cresciuti diminuire a un tasso medio annuo di 8.8%.

Informazioni chiave

-33.01%

Tasso di crescita degli utili

-32.84%

Tasso di crescita dell'EPS

Banks Crescita del settore11.18%
Tasso di crescita dei ricavi-8.77%
Rendimento del capitale proprio0.23%
Margine netto-1.56%
Ultimo aggiornamento sugli utili31 Mar 2026

Aggiornamenti sulle prestazioni recenti

Recent updates

Articolo di analisi • Feb 05

BCB Bancorp (NASDAQ:BCBP) Has Announced That Its Dividend Will Be Reduced To $0.08

BCB Bancorp, Inc. ( NASDAQ:BCBP ) is reducing its dividend from last year's comparable payment to $0.08 on the 26th of...
Seeking Alpha • Jan 02

BCB Bancorp: The Picture Is Too Bleak For Me

Summary BCB Bancorp faces declining deposits, shrinking loans, and deteriorating profitability, warranting a solid "Sell" rating despite its low valuation. BCBP's asset quality is weak, with return on assets at 0.50% and return on equity at 5.35%, both below industry benchmarks. Recent balance sheet shifts—lower brokered deposits, reduced debt, and higher securities—offer limited positives but are outweighed by worsening fundamentals. Valuation multiples are cheap versus peers, but persistent earnings and asset quality issues undermine any investment case for BCBP at this time. Read the full article on Seeking Alpha
Articolo di analisi • Oct 30

BCB Bancorp (NASDAQ:BCBP) Has Announced A Dividend Of $0.16

The board of BCB Bancorp, Inc. ( NASDAQ:BCBP ) has announced that it will pay a dividend on the 24th of November, with...
Articolo di analisi • Apr 25

BCB Bancorp (NASDAQ:BCBP) Has Announced A Dividend Of $0.16

BCB Bancorp, Inc. ( NASDAQ:BCBP ) has announced that it will pay a dividend of $0.16 per share on the 21st of May. This...
Articolo di analisi • Feb 01

BCB Bancorp (NASDAQ:BCBP) Is Due To Pay A Dividend Of $0.16

The board of BCB Bancorp, Inc. ( NASDAQ:BCBP ) has announced that it will pay a dividend on the 24th of February, with...
Seeking Alpha • Oct 26

BCB Bancorp Appears Undervalued With A Dividend Yield Of Over 5%

Summary The loan balance surprisingly continued to decline in 3Q. As a result, I’ve decided to reduce my loan growth estimates, and consequently the earnings estimates, for 2024 and 2025. Rate cuts should help the loan portfolio’s declining trend finally turn around. Further, rate cuts will lift the net interest margin. The December 2025 target price suggests a high upside from the current market price. BCB Bancorp is offering an attractive dividend yield of 5.4%. The dividend payout appears secure. Read the full article on Seeking Alpha
Articolo di analisi • Oct 21

BCB Bancorp (NASDAQ:BCBP) Will Pay A Dividend Of $0.16

BCB Bancorp, Inc.'s ( NASDAQ:BCBP ) investors are due to receive a payment of $0.16 per share on 15th of November...
Seeking Alpha • Aug 04

BCB Bancorp: Over 5% Dividend Yield And Earnings Likely To Recover Soon

Summary The CRE-heavy loan book will not re-price as soon as the deposit book. Therefore, the margin will benefit from interest rate cuts. New Jersey and New York’s current economies give hope that the loan portfolio’s downtrend will reverse soon. The December 2024 target price suggests a 15% price upside. BCBP is offering an attractive dividend yield of 5.6%. The earnings estimate suggests that the dividend is secure. Read the full article on Seeking Alpha
Articolo di analisi • Jul 23

BCB Bancorp (NASDAQ:BCBP) Has Affirmed Its Dividend Of $0.16

The board of BCB Bancorp, Inc. ( NASDAQ:BCBP ) has announced that it will pay a dividend on the 16th of August, with...
Articolo di analisi • Apr 25

BCB Bancorp (NASDAQ:BCBP) Will Pay A Dividend Of $0.16

BCB Bancorp, Inc.'s ( NASDAQ:BCBP ) investors are due to receive a payment of $0.16 per share on 17th of May. The...
Seeking Alpha • Apr 23

BCB Bancorp: Higher For Longer Scenario Weighs On Profitability

Summary BCB Bancorp's Q1 earnings report shows missed EPS and revenue, indicating struggles with profitability. The bank is facing challenges due to higher interest rates and rising deposit costs. BCBP is focused on increasing liquidity and maintaining profitability, but the macroeconomic environment and loan portfolio pose obstacles. Read the full article on Seeking Alpha
Seeking Alpha • Jan 25

We Still Like BCB Bancorp

Summary BCB Bancorp, Inc.'s Q4 earnings show relatively in-line metrics with the sector and a big discount in shares, making it an attractive investment. Margins have been under pressure, but we see them near a bottom and expect a widening of margins in 2024. Loans are growing and deposits have increased, while BCB Bancorp maintains tightened lending standards and solid asset quality. Read the full article on Seeking Alpha
Articolo di analisi • Oct 22

BCB Bancorp (NASDAQ:BCBP) Will Pay A Dividend Of $0.16

BCB Bancorp, Inc. ( NASDAQ:BCBP ) will pay a dividend of $0.16 on the 17th of November. The dividend yield will be 6.0...
Articolo di analisi • Jul 25

BCB Bancorp (NASDAQ:BCBP) Has Announced A Dividend Of $0.16

The board of BCB Bancorp, Inc. ( NASDAQ:BCBP ) has announced that it will pay a dividend of $0.16 per share on the 18th...
Articolo di analisi • Jun 08

Here's Why BCB Bancorp (NASDAQ:BCBP) Has Caught The Eye Of Investors

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Articolo di analisi • Apr 20

BCB Bancorp's (NASDAQ:BCBP) Dividend Will Be $0.16

BCB Bancorp, Inc. ( NASDAQ:BCBP ) will pay a dividend of $0.16 on the 19th of May. This means the annual payment is...
Seeking Alpha • Oct 17

BCB Bancorp increases stock buyback program

BCB Bancorp (NASDAQ:BCBP) said Monday it amended its stock buyback program to increase the number of shares yet to be repurchased from ~82.4K shares to 500K shares. Under the earlier repurchase program, BCB Bancorp (BCBP) was authorized to buy back up to 500K shares. As of Sept. 30, ~417.7K shares had been repurchased. The 500K shares newly authorized to be repurchased represent ~2.9% of BCB Bancorp's (BCBP) outstanding stock. As of Sept. 30, BCB Bancorp (BCBP) had ~17M outstanding shares. BCB Bancorp (BCBP) may modify or terminate the new repurchase program at any time.
Seeking Alpha • Sep 28

BCB Bancorp appoints Jawad Chaudhry as CFO

BCB Bancorp (NASDAQ:BCBP) the holding company for BCB Community Bank, has named Jawad Chaudhry as CFO, effective immediately. Chaudhry, formerly Executive Vice President of FP&A, Corporate Finance, & Strategy at Investors Bank, brings to his new position significant experience in both regional and investment banking. Before joining BCB Bancorp, Chaudhry served as Executive Vice President of FP&A, Corporate Finance & Strategy at Investors Bank.
Seeking Alpha • Aug 17

BCB Bancorp: Attractively Valued With A Rosy Earnings Outlook

Provisioning will likely remain at a normal level despite economic headwinds. A high allowance level relative to the rapidly improving asset quality will restrain provisioning. After the second quarter's outstanding performance, loan growth will likely slow down but remain at a decent level due to healthy pipelines and economic factors. The December 2022 target price suggests a high upside from the current market price. Further, BCBP is offering a decent dividend yield. The remarkable asset quality improvement over the last year will likely lift BCB Bancorp's (NASDAQ: BCBP) earnings this year. Moreover, the second quarter’s outstanding organic loan growth, healthy pipelines, and economic factors will lift the loan balance for this year, leading to earnings growth. The margin will also somewhat benefit from the rising-rate environment. Overall, I'm expecting BCB Bancorp to report earnings of $2.41 per share for 2022, up 26% year-over-year. Compared to my last report on the company, I've revised upwards my earnings estimate mostly because I have slashed my provision expense estimate and increased my loan growth estimate. For 2023, I'm expecting earnings to grow by a further 5% to $2.54 per share. The year-end target price suggests a significant upside from the current market price. Therefore, I'm upgrading BCB Bancorp to a buy rating. Rapidly Improving Asset Quality to Keep Provisioning at a Normal Level Despite Headwinds The loan portfolio’s asset quality has improved drastically over the last twelve months. The proportion of nonaccrual loans in total loans has plunged, due to which the allowance level now appears somewhat excessive. SEC Filings Mostly because of the excessively high reserve level, I believe BCB Bancorp can easily ride out the economic headwinds foreseen for the next few quarters. These headwinds include heightened interest rates, inflation, and the possibility of a recession in the country. Overall, I'm expecting provisioning to remain at a normal level in the second half of 2022 and full-year 2023. I'm expecting the net provision expense to make up 0.18% of total loans (annualized) in the second half of 2022 and 0.15% of total loans in 2023. In comparison, the net provision averaged 0.15% from 2017 to 2019 and 0.21% from 2017 to 2021. Healthy Pipelines, Regional Economy to Support Loan Growth BCB Bancorp reported exceptional loan growth of 9.4% in the second quarter of 2022, or 37.5% annualized. This growth was organic and mostly driven by the commercial real estate and multifamily segment. Loan growth will most probably decelerate in the third quarter because the second quarter's unusual performance is unsustainable. However, loan growth will most probably remain at a decent level partly because of the pipelines’ health. Management called the loan pipeline “substantial” in the earnings release. Further, regional economic factors will support loan growth. BCB Bancorp operates in New Jersey and New York, whose economies have been slowly but surely recovering. The following chart shows the coincident index for the states. Although the trend is not as steep as before, it is still positive. Philly Fed New York Coincident Index data by YCharts Similarly, the job market's recovery is slower than the rest of the country but still commendable. New York Unemployment Rate data by YCharts Considering these factors, I'm expecting the loan portfolio to increase by 2% in the second half of 2022, leading to full-year loan growth of 16.0%. Compared to my last report on BCB Bancorp, I haven't changed my loan growth estimate for the second half of the year. However, I've significantly revised upward the loan growth estimate for the full year because the second quarter’s loan growth beat my expectations. For 2023, I'm expecting growth to continue at the same level as the second half of 2022. Meanwhile, I'm expecting the growth of other balance sheet items to match loan growth. The following table shows my balance sheet estimates. FY18 FY19 FY20 FY21 FY22E FY23E Financial Position Net Loans 2,278 2,178 2,228 2,305 2,673 2,782 Growth of Net Loans 38.6% (4.4)% 2.3% 3.5% 16.0% 4.1% Other Earning Assets 305 621 360 514 309 321 Deposits 2,181 2,362 2,318 2,561 2,708 2,818 Borrowings and Sub-Debt 282 296 243 122 140 145 Common equity 181 214 223 245 272 305 Book Value Per Share ($) 11.5 13.1 13.1 14.2 15.6 17.5 Tangible BVPS ($) 11.2 12.7 12.7 13.9 15.3 17.2 Source: SEC Filings, Earnings Releases, Author's Estimates(In USD million unless otherwise specified) Margin is not Very Sensitive to Rate Hikes I don't expect the margin to benefit much from the rising-rate environment. Firstly, around 57% of the deposit book is made up of deposits that re-price soon after every rate hike, namely interest-bearing demand, money market, and savings deposits. Therefore, the deposit beta is likely to remain somewhat high. Moreover, BCB Bancorp’s net interest margin has actually declined during the last upward rate cycle from the fourth quarter of 2015 to the fourth quarter of 2018. SEC Filings Considering these factors, I'm expecting the margin to grow by 23 basis points in the second half of 2022 before stabilizing in 2023. Compared to my last report on the company, I've revised upward the margin estimate for 2022 because the interest rates have already risen faster and higher than I previously expected. Expecting Earnings to Surge by 26% The significant asset quality improvement, remarkable loan growth, and slight margin expansion will drive earnings this year. Further, the noninterest income will likely turn back to black this quarter. BCB Bancorp reported large unrealized losses on equity investments in the first half of the year, which is unlikely to be repeated in the second half. Overall, I am expecting BCB Bancorp to report earnings of $2.41 per share for 2022, up 26% year-over-year. For 2023, I'm expecting earnings to grow by 5% to $2.54 per share. The following table shows my income statement estimates. FY18 FY19 FY20 FY21 FY22E FY23E Income Statement Net interest income 78 83 80 97 112 123 Provision for loan losses 5 2 9 4 0 4 Non-interest income 8 5 12 9 2 5 Non-interest expense 56 56 54 54 53 57 Net income - Common Sh. 16 20 20 33 42 44 EPS - Diluted ($) 1.01 1.20 1.14 1.92 2.41 2.54 Source: SEC Filings, Earnings Releases, Author's Estimates(In USD million unless otherwise specified) In my last report on BCB Bancorp, I estimated earnings of $2.22 per share for 2022. I've now revised upwards my earnings estimate mostly because I've increased both my loan growth and margin estimates. Moreover, I've reduced my provisioning estimate to almost zero following the first half’s outstanding performance.
Articolo di analisi • Jul 24

BCB Bancorp (NASDAQ:BCBP) Will Pay A Dividend Of $0.16

The board of BCB Bancorp, Inc. ( NASDAQ:BCBP ) has announced that it will pay a dividend on the 15th of August, with...
Articolo di analisi • Jul 23

Analysts Are Updating Their BCB Bancorp, Inc. (NASDAQ:BCBP) Estimates After Its Second-Quarter Results

It's been a good week for BCB Bancorp, Inc. ( NASDAQ:BCBP ) shareholders, because the company has just released its...
Seeking Alpha • Jul 21

BCB Bancorp declares $0.16 dividend

BCB Bancorp (NASDAQ:BCBP) declares $0.16/share quarterly dividend, in line with previous. Forward yield 3.61% Payable Aug. 15; for shareholders of record Aug. 1; ex-div July 29. See BCBP Dividend Scorecard, Yield Chart, & Dividend Growth.

Ripartizione dei ricavi e delle spese

Come BCB Bancorp guadagna e spende denaro. In base agli ultimi utili dichiarati, su base LTM.

Storico di utili e ricavi

NasdaqGM:BCBP Ricavi, spese e utili (USD Millions )
DataRicaviUtiliSpese G+ASpese di R&S
31 Mar 2679-1560
31 Dec 2560-14550
30 Sep 25651540
30 Jun 25653520
31 Mar 25633510
31 Dec 248317500
30 Sep 249020510
30 Jun 249120520
31 Mar 2410026530
31 Dec 2310229530
30 Sep 2310935540
30 Jun 2311641530
31 Mar 2311743520
31 Dec 2211945510
30 Sep 2211643480
30 Jun 2210838480
31 Mar 2210636470
31 Dec 2110233470
30 Sep 219830470
30 Jun 219830480
31 Mar 218924470
31 Dec 208320480
30 Sep 208017480
30 Jun 207714460
31 Mar 208217470
31 Dec 198620460
30 Sep 198620450
30 Jun 198619450
31 Mar 198416450
31 Dec 187916440
30 Sep 187412410
30 Jun 187011390
31 Mar 186711380
31 Dec 17679380
30 Sep 176510390
30 Jun 17649400
31 Mar 17628400
31 Dec 16617400
30 Sep 16616410
30 Jun 16616400
31 Mar 16606400
31 Dec 15586390
30 Sep 15567370
30 Jun 15526360

Guadagni di qualità: BCBP al momento non è redditizia.

Margine di profitto in crescita: BCBP al momento non è redditizia.

Flusso di cassa libero e analisi degli utili

Analisi della crescita degli utili nel passato

Andamento degli utili: BCBP non è redditizia e le perdite sono aumentate negli ultimi 5 anni a un tasso pari a 33% all'anno.

Accelerare la crescita: Impossibile confrontare la crescita degli utili di BCBP nell'ultimo anno con la sua media quinquennale poiché al momento non è redditizia

Guadagni vs Settore: BCBP non è redditizia, il che rende difficile confrontare la crescita dei suoi utili dell'anno passato con il settore Banks ( 22.8% ).

Rendimento del capitale proprio

ROE elevato: BCBP ha un Return on Equity negativo ( 0.23% ), in quanto al momento non è redditizio.

Rendimento delle attività

Rendimento del capitale investito

Scoprire le aziende con forti performance passate

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Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/05/24 00:50
Prezzo dell'azione a fine giornata2026/05/22 00:00
Utili2026/03/31
Utili annuali2025/12/31

Fonti dei dati

I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.

Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.

Modello di analisi e Snowflake

I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.

Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.

Metriche di settore e industriali

Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.

Fonti analitiche

BCB Bancorp, Inc. è coperta da 2 analisti. 3 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.

AnalistaIstituzione
David KonradKeefe, Bruyette, & Woods
Justin CrowleyPiper Sandler Companies