BCB Bancorp
Market Cap
US$188.9m
Last Updated
2021/01/28 00:24 UTC
Data Sources
Company Financials +
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. More Details
Rewards
Risk Analysis
Earnings are forecast to decline by an average of 4.5% per year for the next 3 years
Snowflake Analysis
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
Stable Share Price: BCBP is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: BCBP's weekly volatility (6%) has been stable over the past year.
Market Performance
7 Day Return
-7.5%
BCBP
-6.2%
US Banks
-2.7%
US Market
1 Year Return
-19.2%
BCBP
-10.3%
US Banks
21.2%
US Market
Return vs Industry: BCBP underperformed the US Banks industry which returned -8% over the past year.
Return vs Market: BCBP underperformed the US Market which returned 24.3% over the past year.
Shareholder returns
| BCBP | Industry | Market | |
|---|---|---|---|
| 7 Day | -7.5% | -6.2% | -2.7% |
| 30 Day | 1.7% | 1.4% | 1.8% |
| 90 Day | 17.5% | 30.9% | 16.4% |
| 1 Year | -14.5%-19.2% | -7.0%-10.3% | 23.9%21.2% |
| 3 Year | -15.9%-27.0% | -6.5%-14.5% | 43.7%34.2% |
| 5 Year | 34.4%8.0% | 75.1%53.2% | 124.3%99.2% |
Long-Term 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
2 weeks ago | Simply Wall St
Should BCB Bancorp, Inc. (NASDAQ:BCBP) Be Part Of Your Dividend Portfolio?1 month ago | Simply Wall St
What Percentage Of BCB Bancorp, Inc. (NASDAQ:BCBP) Shares Do Insiders Own?2 months ago | Simply Wall St
BCB Bancorp, Inc. (NASDAQ:BCBP) Is About To Go Ex-Dividend, And It Pays A 6.2% YieldValuation
Is BCB Bancorp undervalued compared to its fair value and its price relative to the market?
10.89x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BCBP ($11.06) is trading above our estimate of fair value ($10.88)
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 (10.9x) compared to the US Banks industry average (12.1x).
PE vs Market: BCBP is good value based on its PE Ratio (10.9x) compared to the US market (21.2x).
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 good value based on its PB Ratio (0.9x) compared to the US Banks industry average (1x).
Next Steps
Future Growth
How is BCB Bancorp forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
-4.5%
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 (-4.5% per year).
Earnings vs Market: BCBP's earnings are forecast to decline over the next 3 years (-4.5% per year).
High Growth Earnings: BCBP's earnings are forecast to decline over the next 3 years.
Revenue vs Market: BCBP's revenue (3.3% per year) is forecast to grow slower than the US market (10.6% per year).
High Growth Revenue: BCBP's revenue (3.3% 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 (6.8%).
Next Steps
Past Performance
How has BCB Bancorp performed over the past 5 years?
24.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BCBP has high quality earnings.
Growing Profit Margin: BCBP's current net profit margins (21.5%) are lower than last year (23.1%).
Past Earnings Growth Analysis
Earnings Trend: BCBP's earnings have grown significantly by 24.8% per year over the past 5 years.
Accelerating Growth: BCBP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BCBP had negative earnings growth (-12.8%) over the past year, making it difficult to compare to the Banks industry average (-2.6%).
Return on Equity
High ROE: BCBP's Return on Equity (7.7%) 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 Assets to Equity ratio (11.7x) is moderate.
Allowance for Bad Loans: BCBP has a sufficient allowance for bad loans (359%).
Low Risk Liabilities: 87% of BCBP's liabilities are made up of primarily low risk sources of funding.
Loan Level: BCBP has an appropriate level of Loans to Assets ratio (84%).
Low Risk Deposits: BCBP's Loans to Deposits ratio (105%) is appropriate.
Level of Bad Loans: BCBP has an appropriate level of bad loans (0.4%).
Next Steps
Dividend
What is BCB Bancorp current dividend yield, its reliability and sustainability?
5.06%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: BCBP's dividend (5.06%) is higher than the bottom 25% of dividend payers in the US market (1.39%).
High Dividend: BCBP's dividend (5.06%) is in the top 25% of dividend payers in the US market (3.87%)
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 reasonable payout ratio (55.2%), BCBP's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BCBP's dividends in 3 years are forecast to be covered by earnings (62.5% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
6.4yrs
Average management tenure
CEO
Tom Coughlin (60 yo)
6.42yrs
Tenure
US$1,340,641
Compensation
Mr. Thomas M. Coughlin, also known as Tom, has been Director at BCB Bancorp Inc. since 2002. Mr. Coughlin was appointed Chief Executive Officer and President of BCB Bancorp, Inc., effective as of August 4,...
CEO Compensation Analysis
Compensation vs Market: Tom's total compensation ($USD1.34M) is above average for companies of similar size in the US market ($USD992.69K).
Compensation vs Earnings: Tom's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 6.42yrs | US$1.34m | 1.55% $ 2.9m | |
| Senior VP & CFO | 6.83yrs | US$388.15k | 0.11% $ 206.4k | |
| Executive VP & COO | 2.75yrs | US$492.15k | 0.088% $ 166.5k | |
| VP, General Counsel & Chief Legal Officer | 10.5yrs | US$247.89k | no data | |
| Vice President of Marketing | no data | no data | no data | |
| Senior Vice President & Chief IT Officer | no data | no data | no data | |
| Senior Vice President and Chief Strategy & Risk Officer | no data | no data | 0.018% $ 33.2k | |
| Chief Compliance Officer & Chief Risk Officer of BCB Community Bank | no data | US$209.67k | no data | |
| Senior VP & Chief Lending Officer | 0.33yr | no data | 0.0059% $ 11.1k |
6.4yrs
Average Tenure
57.5yo
Average Age
Experienced Management: BCBP's management team is seasoned and experienced (6.4 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 6.42yrs | US$1.34m | 1.55% $ 2.9m | |
| Independent Director | 21yrs | US$103.12k | 0.71% $ 1.3m | |
| Independent Director | 21yrs | US$99.62k | 0.57% $ 1.1m | |
| Independent Director | 18yrs | US$101.92k | 1.01% $ 1.9m | |
| Independent Chairman of the Board | 17yrs | US$115.42k | 3.33% $ 6.3m | |
| Independent Director | 8yrs | US$100.42k | 0.81% $ 1.5m | |
| Independent Director | 21yrs | US$102.62k | 0.81% $ 1.5m | |
| Independent Director | 9.25yrs | US$100.82k | 0.35% $ 664.9k | |
| Independent Director | 5.92yrs | US$101.02k | 0.60% $ 1.1m | |
| Independent Director | 2.75yrs | US$102.32k | 0.96% $ 1.8m | |
| Independent Director | 3yrs | US$87.62k | 0.047% $ 88.6k |
17.0yrs
Average Tenure
60yo
Average Age
Experienced Board: BCBP's board of directors are seasoned and experienced ( 17 years average tenure).
Ownership
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 not been meaningfully diluted in the past year.
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$188.918m
- Shares outstanding: 17.08m
- Website: https://www.bcb.bank
Number of Employees
Location
- BCB Bancorp, Inc.
- 104-110 Avenue C
- Bayonne
- New Jersey
- 7002
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| BCBP | NasdaqGM (Nasdaq Global Market) | Yes | Common Stock | US | USD | Mar 2002 |
| 41Y | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Mar 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/01/28 00:24 |
| End of Day Share Price | 2021/01/27 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
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.