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BCB Bancorp

Nasdaq:BCBP
Snowflake Description

Flawless balance sheet established dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BCBP
Nasdaq
$204M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

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 last earnings update was 15 days ago. More info.


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BCBP Share Price and Events
7 Day Returns
-2.7%
NasdaqGM:BCBP
1.6%
US Banks
0.2%
US Market
1 Year Returns
-20.5%
NasdaqGM:BCBP
-9.3%
US Banks
2.9%
US Market
BCBP Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
BCB Bancorp (BCBP) -2.7% -7.2% -1.6% -20.5% 18.7% -7.2%
US Banks 1.6% -1.8% -1.4% -9.3% 38.6% 47.3%
US Market 0.2% -1.6% 2.4% 2.9% 36.1% 41%
1 Year Return vs Industry and Market
  • BCBP underperformed the Banks industry which returned -9.3% over the past year.
  • BCBP underperformed the Market in United States of America which returned 2.9% over the past year.
Price Volatility
BCBP
Industry
5yr Volatility vs Market

Value

 Is BCB Bancorp undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of BCB Bancorp to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for BCB Bancorp.

NasdaqGM:BCBP Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $12.46 * 5.7%
$0.70
Book Value of Equity per Share Weighted future Book Value estimates from 3 analysts. $12.46
Discount Rate (Cost of Equity) See below 10.1%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGM:BCBP
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.63
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.625 (1 + (1- 21%) (145.99%))
1.232
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.23
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.232 * 5.96%)
10.07%

Discounted Cash Flow Calculation for NasdaqGM:BCBP using Excess Returns Model Model

The calculations below outline how an intrinsic value for BCB Bancorp is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGM:BCBP Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (5.7% – 10.07%) * $12.46)
$-0.55
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.55 / (10.07% - 2.73%)
$-7.50
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $12.46 + $-7.50
$4.96
NasdaqGM:BCBP Discount to Share Price
Calculation Result
Value per share (USD) From above. $4.96
Current discount Discount to share price of $12.44
= -1 x ($12.44 - $4.96) / $4.96
-150.6%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of BCB Bancorp is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for BCB Bancorp's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are BCB Bancorp's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:BCBP PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $1.04
NasdaqGM:BCBP Share Price ** NasdaqGM (2019-05-23) in USD $12.44
United States of America Banks Industry PE Ratio Median Figure of 595 Publicly-Listed Banks Companies 12.86x
United States of America Market PE Ratio Median Figure of 3,085 Publicly-Listed Companies 17.79x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of BCB Bancorp.

NasdaqGM:BCBP PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:BCBP Share Price ÷ EPS (both in USD)

= 12.44 ÷ 1.04

11.95x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BCB Bancorp is good value based on earnings compared to the US Banks industry average.
  • BCB Bancorp is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does BCB Bancorp's expected growth come at a high price?
Raw Data
NasdaqGM:BCBP PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 11.95x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts
9.9%per year
United States of America Banks Industry PEG Ratio Median Figure of 270 Publicly-Listed Banks Companies 1.36x
United States of America Market PEG Ratio Median Figure of 2,123 Publicly-Listed Companies 1.54x

*Line of best fit is calculated by linear regression .

NasdaqGM:BCBP PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 11.95x ÷ 9.9%

1.2x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BCB Bancorp is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on BCB Bancorp's assets?
Raw Data
NasdaqGM:BCBP PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $11.69
NasdaqGM:BCBP Share Price * NasdaqGM (2019-05-23) in USD $12.44
United States of America Banks Industry PB Ratio Median Figure of 600 Publicly-Listed Banks Companies 1.21x
United States of America Market PB Ratio Median Figure of 5,201 Publicly-Listed Companies 1.84x
NasdaqGM:BCBP PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:BCBP Share Price ÷ Book Value per Share (both in USD)

= 12.44 ÷ 11.69

1.06x

* Primary Listing of BCB Bancorp.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BCB Bancorp is good value based on assets compared to the US Banks industry average.
X
Value checks
We assess BCB Bancorp's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. BCB Bancorp has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

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

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
9.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is BCB Bancorp expected to grow at an attractive rate?
  • BCB Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • BCB Bancorp's earnings growth is positive but not above the United States of America market average.
  • BCB Bancorp's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:BCBP Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGM:BCBP Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts 9.9%
NasdaqGM:BCBP Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts 7.9%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 3.9%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.8%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.7%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:BCBP Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:BCBP Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 97 21 2
2019-12-31 91 20 2
NasdaqGM:BCBP Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 84 38 16
2018-12-31 79 40 16
2018-09-30 74 21 12
2018-06-30 70 16 11
2018-03-31 67 22 11
2017-12-31 67 21 9
2017-09-30 65 14 10
2017-06-30 64 18 9
2017-03-31 62 11 8
2016-12-31 61 7 7
2016-09-30 61 3 6
2016-06-30 61 5 6

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • BCB Bancorp's earnings are expected to grow by 9.9% yearly, however this is not considered high growth (20% yearly).
  • BCB Bancorp's revenue is expected to grow by 7.9% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:BCBP Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below

All data from BCB Bancorp Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:BCBP Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 1.26 1.30 1.22 3.00
2019-12-31 1.21 1.25 1.19 3.00
NasdaqGM:BCBP Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 1.04
2018-12-31 1.02
2018-09-30 0.78
2018-06-30 0.74
2018-03-31 0.83
2017-12-31 0.76
2017-09-30 0.91
2017-06-30 0.80
2017-03-31 0.72
2016-12-31 0.63
2016-09-30 0.51
2016-06-30 0.58

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if BCB Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess BCB Bancorp's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
BCB Bancorp has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has BCB Bancorp performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare BCB Bancorp's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • BCB Bancorp's year on year earnings growth rate has been positive over the past 5 years.
  • BCB Bancorp's 1-year earnings growth exceeds its 5-year average (49.3% vs 16.7%)
  • BCB Bancorp's earnings growth has exceeded the US Banks industry average in the past year (49.3% vs 40.1%).
Earnings and Revenue History
BCB Bancorp's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from BCB Bancorp Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:BCBP Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 83.90 16.48 45.00
2018-12-31 78.51 15.81 43.66
2018-09-30 74.30 12.02 40.84
2018-06-30 70.21 10.74 38.97
2018-03-31 66.79 11.04 37.95
2017-12-31 66.92 9.37 37.69
2017-09-30 65.16 10.43 39.01
2017-06-30 63.65 9.06 39.95
2017-03-31 62.41 8.06 39.80
2016-12-31 61.16 7.07 40.12
2016-09-30 60.85 5.59 41.03
2016-06-30 60.86 5.94 40.48
2016-03-31 60.38 6.27 39.79
2015-12-31 58.30 6.11 38.98
2015-09-30 56.06 6.79 37.39
2015-06-30 52.28 5.65 36.32
2015-03-31 51.76 6.39 35.25
2014-12-31 51.05 6.79 33.80
2014-09-30 50.50 7.50 32.36
2014-06-30 50.75 8.62 30.93
2014-03-31 48.77 8.62 29.38
2013-12-31 47.40 8.86 27.92
2013-09-30 44.70 7.77 26.27
2013-06-30 38.71 4.42 26.32
2013-03-31 29.60 -1.37 26.37
2012-12-31 29.58 -2.06 27.18
2012-09-30 28.68 -2.13 27.27
2012-06-30 31.54 0.40 25.78

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • BCB Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • BCB Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if BCB Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess BCB Bancorp's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
BCB Bancorp has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of BCB Bancorp's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from BCB Bancorp Company Filings, last reported 1 month ago.

NasdaqGM:BCBP Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 216.72 297.82 194.28
2018-12-31 200.22 282.38 196.00
2018-09-30 195.76 312.32 207.69
2018-06-30 194.08 324.13 181.43
2018-03-31 177.39 204.12 138.31
2017-12-31 176.45 189.12 125.22
2017-09-30 177.57 142.12 98.60
2017-06-30 132.78 178.12 76.03
2017-03-31 127.01 159.12 115.40
2016-12-31 131.08 179.12 66.02
2016-09-30 132.30 159.12 138.69
2016-06-30 132.31 204.12 236.75
2016-03-31 132.31 214.12 211.18
2015-12-31 133.54 204.12 133.87
2015-09-30 108.20 204.12 97.02
2015-06-30 105.97 206.12 46.88
2015-03-31 102.95 187.12 29.53
2014-12-31 102.25 163.12 33.12
2014-09-30 102.71 121.12 26.12
2014-06-30 102.86 159.62 25.32
2014-03-31 102.13 144.12 28.22
2013-12-31 100.06 132.12 30.83
2013-09-30 93.93 114.12 33.18
2013-06-30 93.30 114.12 52.20
2013-03-31 92.74 114.12 38.02
2012-12-31 91.58 131.12 35.13
2012-09-30 83.51 114.12 72.33
2012-06-30 88.84 114.12 103.17
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • BCB Bancorp has an acceptable proportion of non-loan assets held.
  • BCB Bancorp's liabilities are made up of primarily low risk sources of funding.
  • Loans at BCB Bancorp are broadly funded by customer deposits.
  • BCB Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • BCB Bancorp has a sufficient allowance for bad loans.
  • BCB Bancorp has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess BCB Bancorp's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. BCB Bancorp has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
4.5%
Current annual income from BCB Bancorp dividends. Estimated to be 4.5% next year.
If you bought $2,000 of BCB Bancorp shares you are expected to receive $90 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • BCB Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.45%).
  • BCB Bancorp's dividend is above the markets top 25% of dividend payers in United States of America (3.7%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:BCBP Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 477 Stocks 2.8%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2005 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGM:BCBP Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 0.56 3.00
2019-12-31 0.56 3.00
NasdaqGM:BCBP Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-04-12 0.560 4.317
2019-01-14 0.560 4.531
2018-10-12 0.560 4.822
2018-07-13 0.560 3.860
2018-05-09 0.560 3.658
2018-04-23 0.560 3.621
2018-01-19 0.560 3.613
2017-10-19 0.560 3.845
2017-07-21 0.560 4.017
2017-04-27 0.560 3.600
2017-01-20 0.560 3.710
2016-11-04 0.560 4.430
2016-10-21 0.560 4.803
2016-07-21 0.560 5.096
2016-04-26 0.560 5.420
2016-01-22 0.560 5.565
2015-11-06 0.560 5.302
2015-10-15 0.560 5.488
2015-08-07 0.560 5.172
2015-07-20 0.560 4.835
2015-05-08 0.560 4.653
2015-04-17 0.560 4.594
2015-01-29 0.560 4.707
2014-10-17 0.560 4.653
2014-07-24 0.560 4.329
2014-04-23 0.560 4.197
2014-01-17 0.480 3.649
2013-10-18 0.480 3.841
2013-07-19 0.480 4.499
2013-04-24 0.480 4.649
2013-01-17 0.480 4.854
2012-11-09 0.480 5.223
2012-07-16 0.480 4.643
2012-05-10 0.480 4.699
2012-01-19 0.480 4.684
2011-11-18 0.480 4.767
2011-04-28 0.480 4.709
2011-02-01 0.480 4.497
2010-11-05 0.480 4.922
2010-08-05 0.480 5.454
2010-05-07 0.480 5.805
2010-02-10 0.480 5.297
2009-10-26 0.480 5.403
2009-07-23 0.480 5.802

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of BCB Bancorp's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.9x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess BCB Bancorp's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can BCB Bancorp afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. BCB Bancorp has a total score of 5/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of BCB Bancorp's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Tom Coughlin
COMPENSATION $567,619
AGE 58
TENURE AS CEO 4.8 years
CEO Bio

Mr. Thomas M. Coughlin, also known as Tom, is the Chief Executive Officer and President of BCB Community Bank and Corporate Secretary of BCB Bancorp, Inc. Mr. Coughlin has been in the banking industry for over 35 years. He was formerly Vice President of Chatham Savings Bank and prior to that, Controller and Corporate Secretary of First Savings Bank of New Jersey. Mr. Coughlin, who received his CPA designation in 1982, is a member of the Bayonne Rotary, Gift of Life 7490, International Aid Humanitarian Foundation, Friends of Family Readiness Group, Executive Board Member of the Hudson County Chamber of Commerce, and Friends of Special Children. In addition, Mr. Coughlin was a former Commissioner of the Bayonne Rent Control Board, the past President of the American Heart Associated and has served as Trustee of D.A.R.E. and the Bayonne P.A.L. Mr. Coughlin currently serves as the President of the Bayonne Chamber of Commerce. Mr. Coughlin attended Saint Vincent DePaul Grammar School, Bayonne High School and received a B.S. from Saint Peter’s University, Jersey City.

CEO Compensation
  • Tom's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Tom's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the BCB Bancorp management team in years:

5
Average Tenure
57
Average Age
  • The tenure for the BCB Bancorp management team is about average.
Management Team

Tom Coughlin

TITLE
President
COMPENSATION
$568K
AGE
58
TENURE
4.8 yrs

Tom Keating

TITLE
Senior VP & CFO
COMPENSATION
$339K
AGE
62
TENURE
5.2 yrs

Mike Lesler

TITLE
Executive VP & COO
COMPENSATION
$405K
AGE
47
TENURE
1.1 yrs

John Brogan

TITLE
VP, General Counsel & Chief Legal Officer
COMPENSATION
$248K
AGE
57
TENURE
8.8 yrs

Sandra Sievewright

TITLE
Chief Compliance Officer & Chief Risk Officer of BCB Community Bank
COMPENSATION
$210K
AGE
54
Board of Directors Tenure

Average tenure and age of the BCB Bancorp board of directors in years:

16.3
Average Tenure
58
Average Age
  • The average tenure for the BCB Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Mark Hogan

TITLE
Chairman of the Board
COMPENSATION
$155K
AGE
52
TENURE
15.3 yrs

Tom Coughlin

TITLE
President
COMPENSATION
$568K
AGE
58
TENURE
16.3 yrs

Joseph Brogan

TITLE
Vice Chairman of the Board
COMPENSATION
$139K
AGE
79
TENURE
9.3 yrs

Augie Pellegrini

TITLE
Director
COMPENSATION
$138K
AGE
58
TENURE
6.3 yrs

Vincent DiDomenico

TITLE
Director
COMPENSATION
$140K
AGE
52
TENURE
1.1 yrs

John Pulomena

TITLE
Director
COMPENSATION
$114K
AGE
62

Bob Ballance

TITLE
Director
COMPENSATION
$145K
AGE
59
TENURE
16.3 yrs

Judith Bielan

TITLE
Director
COMPENSATION
$138K
AGE
53
TENURE
16.3 yrs

James Collins

TITLE
Director
COMPENSATION
$143K
AGE
69
TENURE
16.3 yrs

Joseph Lyga

TITLE
Director
COMPENSATION
$142K
AGE
58
TENURE
16.3 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by BCB Bancorp insiders in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
19. Mar 19 Buy Thomas Keating Individual 19. Mar 19 19. Mar 19 700 $13.15 $9,205
26. Feb 19 Buy Mark Hogan Individual 25. Feb 19 25. Feb 19 100,000 $12.64 $1,264,000
26. Feb 19 Buy Vincent DiDomenico Individual 25. Feb 19 25. Feb 19 100,000 $12.64 $1,264,000
26. Feb 19 Buy Thomas Coughlin Individual 25. Feb 19 25. Feb 19 5,000 $12.64 $63,200
26. Feb 19 Buy Joseph Brogan Individual 25. Feb 19 25. Feb 19 55,379 $12.64 $699,991
26. Feb 19 Buy Joseph Lyga Individual 25. Feb 19 25. Feb 19 4,000 $12.64 $50,560
26. Feb 19 Buy Spencer Robbins Individual 25. Feb 19 25. Feb 19 10,000 $12.64 $126,400
26. Feb 19 Buy August Pellegrini Individual 25. Feb 19 25. Feb 19 3,955 $12.64 $49,991
26. Feb 19 Buy Michael Lesler Individual 25. Feb 19 25. Feb 19 3,955 $12.64 $49,991
26. Feb 19 Buy John Brogan Individual 25. Feb 19 25. Feb 19 3,955 $12.64 $49,991
27. Nov 18 Buy James Rizzo Individual 26. Nov 18 26. Nov 18 700 $11.95 $8,301
05. Nov 18 Buy Spencer Robbins Individual 01. Nov 18 01. Nov 18 200 $12.09 $2,418
24. Oct 18 Buy James Rizzo Individual 24. Oct 18 24. Oct 18 1,000 $12.62 $12,618
19. Sep 18 Buy Thomas Keating Individual 19. Sep 18 19. Sep 18 800 $14.20 $11,360
19. Sep 18 Buy Robert Ballance Individual 18. Sep 18 18. Sep 18 400 $14.40 $5,760
18. Jun 18 Buy Thomas Keating Individual 15. Jun 18 15. Jun 18 1,000 $14.50 $14,500
X
Management checks
We assess BCB Bancorp's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. BCB Bancorp has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Does BCB Bancorp, Inc. (NASDAQ:BCBP) Have A Good P/E Ratio?

The goal of this article is to teach you how to use price to earnings ratios (P/E ratios). … We'll look at BCB Bancorp, Inc.'s (NASDAQ:BCBP) P/E ratio and reflect on what it tells us about the company's share price. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Financial Metrics For BCB Bancorp, Inc. (NASDAQ:BCBP)

As a small-cap bank stock with a market capitalisation of US$174m, BCB Bancorp, Inc.’s (NASDAQ:BCBP) risk and profitability are largely determined by the underlying economic growth of the US regions in which it operates. … Its financial position may weaken in an adverse macro event such as political instability which is why it is crucial to understand how well the bank manages its risks. … Today we will be measuring BCB Bancorp’s financial risk position by looking at three leverage and liquidity metrics.

Simply Wall St -

Do You Know What BCB Bancorp, Inc.'s (NASDAQ:BCBP) P/E Ratio Means?

The goal of this article is to teach you how to use price to earnings ratios (P/E ratios). … BCB Bancorp has a price to earnings ratio of 14.41, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Why BCB Bancorp Inc (NASDAQ:BCBP) May Not Be As Risky Than You Think

Economic growth impacts the stability of salaries and interest rate level which in turn affects borrowers’ demand for, and ability to repay, their loans. … Risk associate with repayment is measured by the level of bad debt which is an expense written off BCB Bancorp’s bottom line. … Since the level of risky assets held by the bank impacts the attractiveness of it as an investment, I will take you through three metrics that are insightful proxies for risk.

Simply Wall St -

Why BCB Bancorp Inc (NASDAQ:BCBP) Is A Dividend Rockstar

There is a lot to be liked about BCB Bancorp Inc (NASDAQ:BCBP) as an income stock. … The stock currently pays out a dividend yield of 4.6%, and has a market cap of US$193m. … 5 questions I ask before picking a dividend stock

Simply Wall St -

What Does BCB Bancorp Inc's (NASDAQ:BCBP) PE Ratio Tell You?

This analysis is intended to introduce important early concepts to people who are starting to invest. … and want to start learning about core concepts of fundamental analysis on practical examples from today's market. … See our latest analysis for BCB Bancorp

Simply Wall St -

Only 2 Days Left Before BCB Bancorp Inc (NASDAQ:BCBP) Will Start Trading Ex-Dividend, Is It Worth Buying?

Investors who want to cash in on BCB Bancorp Inc's (NASDAQ:BCBP) upcoming dividend of US$0.14 per share have only 2 days left to buy the shares before its ex-dividend date, 03 August 2018, in time for dividends payable on the 20 August 2018. … Has it consistently paid a stable dividend without missing a payment or drastically cutting payout? … Will the company be able to keep paying dividend based on the future earnings growth

Simply Wall St -

A Look At BCB Bancorp Inc's (NASDAQ:BCBP) Exceptional Fundamentals

BCB Bancorp Inc (NASDAQ:BCBP) is a stock with outstanding fundamental characteristics. … When we build an investment case, we need to look at the stock with a holistic perspective. … In the case of BCBP, it

Simply Wall St -

Real Risks To Know Before Investing In BCB Bancorp Inc (NASDAQ:BCBP)

Its profit and value are directly impacted by its borrowers’ ability to pay which is driven by the level of economic growth. … This is because growth determines the stability of a borrower’s salary as well as the level of interest rates. … Today I will take you through some bad debt and liability measures to analyse the level of risky assets held by the bank.

Simply Wall St -

Understated Factors To Consider Before Investing In BCB Bancorp Inc (NASDAQ:BCBP)

As a small-cap finance stock with a market capitalisation of US$236.88m, the risk and profitability of BCB Bancorp Inc (NASDAQ:BCBP) are largely tied to the underlying economic growth of the region it operates in US. … Sufficient liquidity and low levels of leverage could place the bank in a safe place in case of unexpected macro headwinds. … Today we will be measuring BCB Bancorp’s financial risk position by looking at three leverage and liquidity metrics.

Simply Wall St -

Company Info

Description

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.

Details
Name: BCB Bancorp, Inc.
BCBP
Exchange: NasdaqGM
Founded: 2000
$203,996,829
16,398,459
Website: http://www.bcb.bank
Address: BCB Bancorp, Inc.
104-110 Avenue C,
Bayonne,
New Jersey, 07002,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM BCBP Common Stock Nasdaq Global Market US USD 21. Mar 2002
Number of employees
Current staff
Staff numbers
365
BCB Bancorp employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/23 23:33
End of day share price update: 2019/05/23 00:00
Last estimates confirmation: 2019/04/22
Last earnings filing: 2019/05/08
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.