Stock Analysis Report

Executive Summary

BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank, a state-chartered commercial bank that provides banking products and services to businesses and individuals in the United States.

Snowflake Analysis

Flawless balance sheet 6 star dividend payer.

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Share Price & News

How has BCB Bancorp's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: BCBP's share price has been volatile over the past 3 months.

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: BCBP exceeded the US Banks industry which returned -24.3% over the past year.

Return vs Market: BCBP underperformed the US Market which returned -6.8% over the past year.

Shareholder returns

7 Day9.5%14.6%9.4%
30 Day5.3%-4.4%-3.9%
90 Day-21.1%-33.9%-16.5%
1 Year-14.2%-17.9%-22.0%-24.3%-4.8%-6.8%
3 Year-22.7%-31.6%-8.3%-15.1%23.4%15.2%
5 Year12.5%-10.0%16.7%3.3%41.3%25.7%

Price Volatility Vs. Market

How volatile is BCB Bancorp's share price compared to the market and industry in the last 5 years?

Simply Wall St News


Is BCB Bancorp undervalued compared to its fair value and its price relative to the market?


Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: BCBP ($10.8) is trading above our estimate of fair value ($7.48)

Significantly Below Fair Value: BCBP is trading above our estimate of fair value.

Price To Earnings Ratio

PE vs Industry: BCBP is poor value based on its PE Ratio (9x) compared to the Banks industry average (8.9x).

PE vs Market: BCBP is good value based on its PE Ratio (9x) compared to the US market (13.6x).

Price to Earnings Growth Ratio

PEG Ratio: BCBP's earnings are forecast to decline next year, so we can't calculate its PEG ratio.

Price to Book Ratio

PB vs Industry: BCBP is overvalued based on its PB Ratio (0.9x) compared to the US Banks industry average (0.8x).

Next Steps

Future Growth

How is BCB Bancorp forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: BCBP's earnings are forecast to decline over the next 3 years (-7.7% per year).

Earnings vs Market: BCBP's earnings are forecast to decline over the next 3 years (-7.7% per year).

High Growth Earnings: BCBP's earnings are forecast to decline over the next 3 years.

Revenue vs Market: BCBP's revenue (2.7% per year) is forecast to grow slower than the US market (6.9% per year).

High Growth Revenue: BCBP's revenue (2.7% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: BCBP's Return on Equity is forecast to be low in 3 years time (7.4%).

Next Steps

Past Performance

How has BCB Bancorp performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: BCBP has high quality earnings.

Growing Profit Margin: BCBP's current net profit margins (22.9%) are higher than last year (20.1%).

Past Earnings Growth Analysis

Earnings Trend: BCBP's earnings have grown significantly by 27.8% per year over the past 5 years.

Accelerating Growth: BCBP's earnings growth over the past year (24.5%) is below its 5-year average (27.8% per year).

Earnings vs Industry: BCBP earnings growth over the past year (24.5%) exceeded the Banks industry 10.8%.

Return on Equity

High ROE: BCBP's Return on Equity (8.8%) is considered low.

Next Steps

Financial Health

How is BCB Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: BCBP's level of assets compared to its equity is moderate.

Allowance for Bad Loans: BCBP has a sufficient allowance for bad loans.

Low Risk Liabilities: BCBP's liabilities are made up of primarily low risk sources of funding.

Loan Level: BCBP has an acceptable proportion of non-loan assets held.

Low Risk Deposits: BCBP's loans are broadly funded by customer deposits.

Level of Bad Loans: BCBP has an appropriate level of bad loans (0.22%)

Next Steps


What is BCB Bancorp's current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: BCBP's dividend (5.19%) is higher than the bottom 25% of dividend payers in the US market (1.87%).

High Dividend: BCBP's dividend (5.19%) is in the top 25% of dividend payers in the US market (5.12%)

Stability and Growth of Payments

Stable Dividend: BCBP's dividends per share have been stable in the past 10 years.

Growing Dividend: BCBP's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (46.6%), BCBP's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: BCBP's dividends in 3 years are forecast to be covered by earnings (59.4% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Tom Coughlin (59yo)





Mr. Thomas M. Coughlin, also known as Tom, has been Director at BCB Bancorp Inc. since 2002. He is the Chief Executive Officer and President of BCB Community Bank and Corporate Secretary of BCB Bancorp, In ...

CEO Compensation Analysis

Compensation vs Market: Tom's total compensation ($USD1.34M) is about average for companies of similar size in the US market ($USD1.43M).

Compensation vs Earnings: Tom's compensation has increased by more than 20% in the past year.

Leadership Team

Thomas Coughlin
President5.67yrsUS$1.34m1.46% $2.8m
Thomas Keating
Senior VP & CFO6.08yrsUS$388.15k0.11% $201.5k
Michael Lesler
Executive VP & COO2yrsUS$492.15k0.086% $162.6k
John Brogan
VP, General Counsel & Chief Legal Officer9.75yrsUS$247.89k0.51% $969.1k
Wing Siu
Senior Vice President & Chief IT Officerno datano datano data
Kenneth Emerson
Senior Vice President and Chief Strategy & Risk Officerno datano data0.017% $32.4k
Sandra Sievewright
Chief Compliance Officer & Chief Risk Officer of BCB Community Bankno dataUS$209.67k0.0079% $14.9k


Average Tenure


Average Age

Experienced Management: BCBP's management team is seasoned and experienced (5.9 years average tenure).

Board Members

Thomas Coughlin
President5.67yrsUS$1.34m1.46% $2.8m
Robert Ballance
Independent Director20.25yrsUS$103.12k0.69% $1.3m
Judith Bielan
Independent Director20.25yrsUS$99.62k0.56% $1.1m
Joseph Brogan
Independent Vice Chairman of the Board10.25yrsUS$96.92k2.31% $4.4m
James Collins
Independent Director17.25yrsUS$101.92k0.99% $1.9m
Mark Hogan
Independent Chairman of the Board16.25yrsUS$115.42k3.19% $6.0m
August Pellegrini
Independent Director7.25yrsUS$100.42k0.79% $1.5m
Joseph Lyga
Independent Director20.25yrsUS$102.62k0.79% $1.5m
Vincent DiDomenico
Independent Director2yrsUS$102.32k0.94% $1.8m
John Pulomena
Independent Director2.25yrsUS$87.62k0.046% $86.5k


Average Tenure


Average Age

Experienced Board: BCBP's board of directors are seasoned and experienced ( 16.8 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: BCBP insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 5.1%.

Top Shareholders

Company Information

BCB Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources

Key Information

  • Name: BCB Bancorp, Inc.
  • Ticker: BCBP
  • Exchange: NasdaqGM
  • Founded: 2000
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$188.454m
  • Shares outstanding: 17.45m
  • Website:

Number of Employees


  • BCB Bancorp, Inc.
  • 104-110 Avenue C
  • Bayonne
  • New Jersey
  • 7002
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BCBPNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDMar 2002
41YDB (Deutsche Boerse AG)YesCommon StockDEEURMar 2002


BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank, a state-chartered commercial bank that provides banking products and services to businesses and individuals in the United States. The company offers deposit products, including interest and non-interest bearing demand, NOW, savings and club, money market, term certificate, interest bearing checking, and individual retirement accounts. It also provides loans, such as commercial and multi-family real estate loans, commercial and residential property construction loans, commercial business loans, small business administration loans, home equity loans and home equity lines of credit, and consumer loans; and residential loans secured by one-to-four family dwellings, condominiums, and cooperative units. In addition, the company offers retail and commercial banking services comprising wire transfers, money orders, safe deposit boxes, night depository services, debit cards, online and mobile banking services, gift cards, fraud detection services, and automated teller services. As of January 31, 2019, it operated 28 branch offices in Bayonne, Carteret, Colonia, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lodi, Lyndhurst, Maplewood, Monroe Township, Parsippany, Plainsboro, Rutherford, South Orange, Union, and Woodbridge, New Jersey; and 3 branches in Hicksville and Staten Island, New York. The company was founded in 2000 and is headquartered in Bayonne, New Jersey. 

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/04/10 01:03
End of Day Share Price2020/04/09 00:00
Annual Earnings2019/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.