BCB Bancorp
Market Cap
US$228.4m
Last Updated
2020/02/16 23:33 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.
Rewards
Risk Analysis
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 has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
0.3%
BCBP
0.5%
US Banks
1.5%
US Market
1 Year Return
7.4%
BCBP
12.1%
US Banks
20.1%
US Market
Return vs Industry: BCBP underperformed the US Banks industry which returned 12.1% over the past year.
Return vs Market: BCBP underperformed the US Market which returned 20.1% over the past year.
Shareholder returns
| BCBP | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.3% | 0.5% | 1.5% |
| 30 Day | -5.8% | -1.3% | 1.4% |
| 90 Day | 0% | 1.2% | 8.7% |
| 1 Year | 12.2%7.4% | 15.4%12.1% | 22.7%20.1% |
| 3 Year | 1.0%-10.7% | 25.2%16.2% | 50.1%40.5% |
| 5 Year | 38.9%11.2% | 75.9%55.9% | 73.1%54.1% |
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
3 days ago | Simply Wall St
Should You Worry About BCB Bancorp, Inc.'s (NASDAQ:BCBP) CEO Salary Level?2 weeks ago | Simply Wall St
There's A Lot To Like About BCB Bancorp, Inc.'s (NASDAQ:BCBP) Upcoming US$0.14 Dividend3 weeks ago | Simply Wall St
What To Know Before Buying BCB Bancorp, Inc. (NASDAQ:BCBP) For Its DividendValuation
Is BCB Bancorp undervalued compared to its fair value and its price relative to the market?
10.84x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BCBP ($13.04) is trading above our estimate of fair value ($8.7)
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 (10.8x) compared to the Banks industry average (12.6x).
PE vs Market: BCBP is good value based on its PE Ratio (10.8x) compared to the US market (18.4x).
Price to Earnings Growth Ratio
PEG Ratio: BCBP is poor value based on its PEG Ratio (2.3x)
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 3 analysts?
4.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BCBP's forecast earnings growth (4.7% per year) is above the savings rate (1.7%).
Earnings vs Market: BCBP's earnings (4.7% 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 (5.3% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: BCBP's revenue (5.3% 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 (8.8%).
Next Steps
Past Performance
How has BCB Bancorp performed over the past 5 years?
27.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BCBP has high quality earnings.
Growing Profit Margin: BCBP's current net profit margins (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 12.1%.
Return on Equity
High ROE: BCBP's Return on Equity (8.8%) is considered low.
Return on Assets
Return on Capital Employed
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 2x 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 (0.19%)
Next Steps
Dividend
What is BCB Bancorp's current dividend yield, its reliability and sustainability?
4.29%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: BCBP's dividend (4.29%) is higher than the bottom 25% of dividend payers in the US market (1.44%).
High Dividend: BCBP's dividend (4.29%) is in the top 25% of dividend payers in the US market (3.69%)
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 (46.5%), 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 (46.3% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
5.7yrs
Average management tenure
CEO
Tom Coughlin (59yo)
5.5yrs
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 below average for companies of similar size in the US market ($USD1.11M).
Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 5.5yrs | US$567.62k | 1.46% $3.3m | |
| Senior VP & CFO | 5.9yrs | US$338.64k | 0.083% $189.1k | |
| Executive VP & COO | 1.8yrs | US$405.35k | 0.086% $196.3k | |
| VP, General Counsel & Chief Legal Officer | 9.6yrs | US$247.89k | 0.51% $1.2m | |
| Chief Compliance Officer & Chief Risk Officer of BCB Community Bank | 0yrs | US$209.67k | 0.0079% $18.0k |
5.7yrs
Average Tenure
58yo
Average Age
Experienced Management: BCBP's management team is seasoned and experienced (5.7 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 5.5yrs | US$567.62k | 1.46% $3.3m | |
| Independent Director | 17.1yrs | US$145.17k | 0.68% $1.6m | |
| Independent Director | 17.1yrs | US$137.57k | 0.55% $1.3m | |
| Vice Chairman of the Board | 10.1yrs | US$138.87k | 2.55% $5.8m | |
| Independent Director | 17.1yrs | US$143.07k | 0.99% $2.3m | |
| Chairman of the Board | 16.1yrs | US$155.48k | 3.18% $7.3m | |
| Independent Director | 7.1yrs | US$137.87k | 0.78% $1.8m | |
| Independent Director | 17.1yrs | US$142.17k | 0.79% $1.8m | |
| Director | 1.8yrs | US$140.37k | 0.93% $2.1m | |
| Director | 0yrs | US$113.57k | 0.046% $104.5k |
17.1yrs
Average Tenure
59yo
Average Age
Experienced Board: BCBP's board of directors are seasoned and experienced ( 17.1 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 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$228.419m
- Shares outstanding: 17.52m
- 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. 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/02/16 23:33 |
| End of Day Share Price | 2020/02/14 00:00 |
| Earnings | 2019/12/31 |
| 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.