NasdaqGM:BCBP

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

Fundamentals

Flawless balance sheet 6 star dividend payer.


Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-2.2%

NasdaqGM:BCBP

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-20.5%

NasdaqGM:BCBP

-16.1%

US Banks

-3.0%

US Market

BCBP underperformed the Banks industry which returned -16.1% over the past year.

BCBP underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

BCBPIndustryMarket
7 Day-2.2%-1.8%-1.6%
30 Day-8.1%-10.6%-5.8%
90 Day-6.3%-5.0%0.2%
1 Year-16.8%-20.5%-13.7%-16.1%-0.8%-3.0%
3 Year23.0%8.7%37.9%28.5%38.0%29.1%
5 Year13.8%-9.2%49.4%33.2%50.8%34.1%

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

Valuation

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

9.8x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

BCB Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

BCB Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

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

BCB Bancorp is poor value based on expected growth next year.


Price Based on Value of Assets

BCB Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

6.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

BCB Bancorp's revenue is expected to grow by 6.6% yearly, however this is not considered high growth (20% yearly).

BCB Bancorp's earnings are expected to grow by 6.7% yearly, however this is not considered high growth (20% yearly).

BCB Bancorp's revenue growth is positive but not above the United States of America market average.

BCB Bancorp's earnings growth is positive but not above the United States of America market average.

BCB Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

BCB Bancorp is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has BCB Bancorp performed over the past 5 years?

21.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

BCB Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

BCB Bancorp's 1-year earnings growth exceeds its 5-year average (79.8% vs 21.5%)

BCB Bancorp's earnings growth has exceeded the US Banks industry average in the past year (79.8% vs 33.1%).


Return on Equity

BCB Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

BCB Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

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.


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

Information is not available.

Information is not available.


Financial Institutions Analysis

BCB Bancorp has an acceptable proportion of non-loan assets held.

BCB Bancorp has a sufficient allowance for bad loans.

BCB Bancorp's liabilities are made up of primarily low risk sources of funding.

BCB Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at BCB Bancorp are broadly funded by customer deposits.

BCB Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

4.74%

Expected Dividend Yield


Dividend Yield and Payments Analysis

BCB Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

BCB Bancorp's dividend is above the markets top 25% of dividend payers in United States of America (3.93%).

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

Dividends paid are well covered by earnings (2.2x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (2.4x coverage).


Next Steps

Management

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

5.2yrs

Average management tenure


CEO

Tom Coughlin (59yo)

5.0yrs

Tenure

US$1,682,857

Compensation

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  ...


CEO Compensation Analysis

Tom's remuneration is higher than average for companies of similar size in United States of America.

Tom's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

5.2yrs

Average Tenure

58yo

Average Age

The average tenure for the BCB Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

16.6yrs

Average Tenure

59yo

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.


Insider Trading

More shares have been bought than sold by BCB Bancorp individual insiders in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

BuyUS$12,59010 Jun 19
Robert Ballance
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,000
Max PriceUS$12.59
BuyUS$9,20519 Mar 19
Thomas Keating
EntityIndividual
Role
Chief Financial Officer
Senior VP & CFO
Shares700
Max PriceUS$13.15
BuyUS$1,264,00026 Feb 19
Vincent DiDomenico
EntityIndividual
Role
Member of the Board of Directors
Director
Shares100,000
Max PriceUS$12.64
BuyUS$1,264,00026 Feb 19
Mark Hogan
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares100,000
Max PriceUS$12.64
BuyUS$63,20026 Feb 19
Thomas Coughlin
EntityIndividual
Role
Chief Executive Officer
President
Shares5,000
Max PriceUS$12.64
BuyUS$699,99126 Feb 19
Joseph Brogan
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares55,379
Max PriceUS$12.64
BuyUS$50,56026 Feb 19
Joseph Lyga
EntityIndividual
Role
Member of the Board of Directors
Director
Shares4,000
Max PriceUS$12.64
BuyUS$126,40026 Feb 19
Spencer Robbins
EntityIndividual
Shares10,000
Max PriceUS$12.64
BuyUS$49,99126 Feb 19
August Pellegrini
EntityIndividual
Role
Member of the Board of Directors
Director
Shares3,955
Max PriceUS$12.64
BuyUS$49,99126 Feb 19
Michael Lesler
EntityIndividual
Role
Chief Operating Officer
Executive VP & COO
Shares3,955
Max PriceUS$12.64
BuyUS$49,99126 Feb 19
John Brogan
EntityIndividual
Role
Chief Legal Officer
VP, General Counsel & Chief Legal Officer
Shares3,955
Max PriceUS$12.64
BuyUS$8,30127 Nov 18
James Rizzo
EntityIndividual
Shares700
Max PriceUS$11.95
BuyUS$2,41805 Nov 18
Spencer Robbins
EntityIndividual
Shares200
Max PriceUS$12.09
BuyUS$12,61824 Oct 18
James Rizzo
EntityIndividual
Shares1,000
Max PriceUS$12.62
BuyUS$11,36019 Sep 18
Thomas Keating
EntityIndividual
Role
Chief Financial Officer
Senior VP & CFO
Shares800
Max PriceUS$14.20
BuyUS$5,76019 Sep 18
Robert Ballance
EntityIndividual
Role
Member of the Board of Directors
Director
Shares400
Max PriceUS$14.40

Ownership Breakdown


Management Team

  • Tom Coughlin (59yo)

    President

    • Tenure: 5.0yrs
    • Compensation: US$1.68m
  • Mike Lesler (48yo)

    Executive VP & COO

    • Tenure: 1.3yrs
    • Compensation: US$405.35k
  • Tom Keating (63yo)

    Senior VP & CFO

    • Tenure: 5.4yrs
    • Compensation: US$338.64k
  • John Brogan (58yo)

    VP, General Counsel & Chief Legal Officer

    • Tenure: 9.1yrs
    • Compensation: US$247.89k
  • Sandra Sievewright (55yo)

    Chief Compliance Officer & Chief Risk Officer of BCB Community Bank

    • Tenure: 0.0yrs
    • Compensation: US$209.67k

Board Members

  • Bob Ballance (60yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$145.17k
  • Judith Bielan (54yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$137.57k
  • Joseph Brogan (80yo)

    Vice Chairman of the Board

    • Tenure: 9.6yrs
    • Compensation: US$138.87k
  • James Collins (70yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$143.07k
  • Mark Hogan (53yo)

    Chairman of the Board

    • Tenure: 15.6yrs
    • Compensation: US$155.48k
  • Tom Coughlin (59yo)

    President

    • Tenure: 5.0yrs
    • Compensation: US$1.68m
  • Augie Pellegrini (59yo)

    Director

    • Tenure: 6.6yrs
    • Compensation: US$137.87k
  • Joseph Lyga (59yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$142.17k
  • Vincent DiDomenico (53yo)

    Director

    • Tenure: 1.3yrs
    • Compensation: US$140.37k
  • John Pulomena (63yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$113.57k

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$194.403m
  • Shares outstanding: 16.46m
  • Website: https://www.bcb.bank

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BCBPNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDMar 2002

Biography

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 ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:32
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.