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

0.8%

BCBP

2.9%

US Banks

0.07%

US Market


1 Year Return

1.9%

BCBP

8.6%

US Banks

8.9%

US Market

Return vs Industry: BCBP underperformed the US Banks industry which returned 8.6% over the past year.

Return vs Market: BCBP underperformed the US Market which returned 8.9% over the past year.


Shareholder returns

BCBPIndustryMarket
7 Day0.8%2.9%0.07%
30 Day-0.2%3.4%-0.3%
90 Day0.08%2.1%-1.6%
1 Year6.6%1.9%11.8%8.6%11.3%8.9%
3 Year26.4%11.7%54.8%44.1%46.3%36.8%
5 Year32.9%6.1%70.2%51.6%62.1%44.3%

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 compared to its fair value and its price relative to the market?

10.6x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: BCBP ($13) is trading above our estimate of fair value ($6.49)

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


Price To Earnings Ratio

PE vs Industry: BCBP is good value based on its PE Ratio (10.6x) compared to the Banks industry average (12.6x).

PE vs Market: BCBP is good value based on its PE Ratio (10.6x) compared to the US market (17.8x).


Price to Earnings Growth Ratio

PEG Ratio: BCBP is poor value based on its PEG Ratio (1.4x)


Price to Book Ratio

PB vs Industry: BCBP is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is BCB Bancorp forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

7.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BCBP's forecast earnings growth (7.5% per year) is above the savings rate (2.7%).

Earnings vs Market: BCBP's earnings (7.5% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: BCBP's earnings are forecast to grow, but not significantly.

Revenue vs Market: BCBP's revenue (9.1% per year) is forecast to grow faster than the US market (7.2% per year).

High Growth Revenue: BCBP's revenue (9.1% 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 (10.6%).


Next Steps

Past Performance

How has BCB Bancorp performed over the past 5 years?

25.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BCBP's earnings have grown significantly by 25.6% per year over the past 5 years.

Accelerating Growth: BCBP's earnings growth over the past year (65.3%) exceeds its 5-year average (25.6% per year).

Earnings vs Industry: BCBP earnings growth over the past year (65.3%) exceeded the Banks industry 29.7%.


Return on Equity

High ROE: BCBP's Return on Equity (9.4%) is considered low.


Return on Assets

ROA vs Industry: BCBP's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate BCBP's Return on Capital Employed to determine if it has improved over the past 3 years.


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

Inventory Level: BCBP has a low level of unsold assets or inventory.

Debt Coverage by Assets: BCBP's debt is covered by short term assets (assets are 1.256840x debt).


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

Dividend

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

4.31%

Current Dividend Yield


Upcoming Dividend Payment

Purchase BCB Bancorp before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield vs Market

company4.3%marketbottom25%1.4%markettop25%3.7%industryaverage2.9%forecastin3Years4.3%

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: BCBP's dividend (4.31%) is higher than the bottom 25% of dividend payers in the US market (1.45%).

High Dividend: BCBP's dividend (4.31%) is in the top 25% of dividend payers in the US market (3.68%)

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 (45.6%), 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 well covered by earnings (40.3% payout ratio).


Next Steps

Management

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

5.4yrs

Average management tenure


CEO

Tom Coughlin (59yo)

5.2yrs

Tenure

US$567,619

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

Compensation vs. Market: Tom's total compensation ($USD567.62K) is about average for companies of similar size in the US market ($USD1.22M).

Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.


Management Age and Tenure

5.4yrs

Average Tenure

58yo

Average Age

Experienced Management: BCBP's management team is seasoned and experienced (5.4 years average tenure).


Board Age and Tenure

16.8yrs

Average Tenure

59yo

Average Age

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


Insider Trading

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


Recent Insider Transactions

BuyUS$18,48219 Sep 19
James Rizzo
EntityIndividual
Shares1,419
Max PriceUS$13.04
BuyUS$12,59010 Jun 19
Robert Ballance
EntityIndividual
Role
Member of the Board of Directors
Independent 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
Independent 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

Ownership Breakdown


Management Team

  • Tom Coughlin (59yo)

    President

    • Tenure: 5.2yrs
    • Compensation: US$567.62k
  • Mike Lesler (48yo)

    Executive VP & COO

    • Tenure: 1.5yrs
    • Compensation: US$405.35k
  • Tom Keating (63yo)

    Senior VP & CFO

    • Tenure: 5.6yrs
    • Compensation: US$338.64k
  • John Brogan (58yo)

    VP, General Counsel & Chief Legal Officer

    • Tenure: 9.3yrs
    • Compensation: US$247.89k
  • Sandra Sievewright (55yo)

    Chief Compliance Officer & Chief Risk Officer of BCB Community Bank

    • Tenure: 0yrs
    • Compensation: US$209.67k

Board Members

  • Bob Ballance (60yo)

    Independent Director

    • Tenure: 16.8yrs
    • Compensation: US$145.17k
  • Judith Bielan (54yo)

    Independent Director

    • Tenure: 16.8yrs
    • Compensation: US$137.57k
  • Joseph Brogan (80yo)

    Vice Chairman of the Board

    • Tenure: 9.8yrs
    • Compensation: US$138.87k
  • James Collins (70yo)

    Independent Director

    • Tenure: 16.8yrs
    • Compensation: US$143.07k
  • Mark Hogan (53yo)

    Chairman of the Board

    • Tenure: 15.8yrs
    • Compensation: US$155.48k
  • Tom Coughlin (59yo)

    President

    • Tenure: 5.2yrs
    • Compensation: US$567.62k
  • Augie Pellegrini (59yo)

    Director

    • Tenure: 6.8yrs
    • Compensation: US$137.87k
  • Joseph Lyga (59yo)

    Independent Director

    • Tenure: 16.8yrs
    • Compensation: US$142.17k
  • Vincent DiDomenico (53yo)

    Director

    • Tenure: 1.5yrs
    • Compensation: US$140.37k
  • John Pulomena (63yo)

    Director

    • Tenure: 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$214.201m
  • Shares outstanding: 16.48m
  • 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 Analysis2019/10/22 23:32
End of Day Share Price2019/10/22 00:00
Earnings2019/09/30
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.