NasdaqGM:BCBP

Stock Analysis Report

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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


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

12.0%

BCBP

3.9%

US Banks

-0.4%

US Market


1 Year Return

-24.0%

BCBP

-26.3%

US Banks

18.3%

US Market

Return vs Industry: BCBP exceeded the US Banks industry which returned -26.3% over the past year.

Return vs Market: BCBP underperformed the US Market which returned 18.3% over the past year.


Shareholder returns

BCBPIndustryMarket
7 Day12.0%3.9%-0.4%
30 Day24.8%13.0%8.0%
90 Day10.6%3.8%9.4%
1 Year-19.8%-24.0%-23.6%-26.3%21.0%18.3%
3 Year-21.4%-31.4%-16.3%-23.3%42.1%32.7%
5 Year21.8%-2.0%21.9%6.8%85.6%64.7%

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?

9.66x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: BCBP ($9.81) is trading above our estimate of fair value ($9.4)

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 (9.7x) compared to the US Banks industry average (10.2x).

PE vs Market: BCBP is good value based on its PE Ratio (9.7x) compared to the US market (19.2x).


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's PB Ratio (0.8x) is in line with the US Banks industry average.


Next Steps

Future Growth

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

-6.1%

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 (-6.1% per year).

Earnings vs Market: BCBP's earnings are forecast to decline over the next 3 years (-6.1% per year).

High Growth Earnings: BCBP's earnings are forecast to decline over the next 3 years.

Revenue vs Market: BCBP's revenue (3.2% per year) is forecast to grow slower than the US market (9.9% per year).

High Growth Revenue: BCBP's revenue (3.2% 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 (5.3%).


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 (-3.2%).


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 (444%).

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 (0.3%).


Next Steps

Dividend

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

5.71%

Current Dividend Yield


Upcoming Dividend Payment


Dividend Yield vs Market

Notable Dividend: BCBP's dividend (5.71%) is higher than the bottom 25% of dividend payers in the US market (1.63%).

High Dividend: BCBP's dividend (5.71%) is in the top 25% of dividend payers in the US market (4.56%)


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 (82.8% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

6.2yrs

Average management tenure


CEO

Tom Coughlin (60 yo)

6.17yrs

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 ($USD1.34M) is about average for companies of similar size in the US market ($USD1.24M).

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

NamePositionTenureCompensationOwnership
Thomas Coughlin
President6.17yrsUS$1.34m1.55%
$ 2.6m
Thomas Keating
Senior VP & CFO6.58yrsUS$388.15k0.11%
$ 183.3k
Michael Lesler
Executive VP & COO2.5yrsUS$492.15k0.088%
$ 147.9k
John Brogan
VP, General Counsel & Chief Legal Officer10.25yrsUS$247.89k0.53%
$ 881.5k
Pam Sclafane
Vice President of Marketingno datano datano data
Wing Siu
Senior Vice President & Chief IT Officerno datano datano data
Kenneth Emerson
Senior Vice President and Chief Strategy & Risk Officerno datano data0.018%
$ 29.5k
Sandra Sievewright
Chief Compliance Officer & Chief Risk Officer of BCB Community Bankno dataUS$209.67k0.0081%
$ 13.6k
David Garcia
Senior VP & Chief Lending Officer0.083yrno data0.0059%
$ 9.8k

6.2yrs

Average Tenure

57.5yo

Average Age

Experienced Management: BCBP's management team is seasoned and experienced (6.2 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Thomas Coughlin
President6.17yrsUS$1.34m1.55%
$ 2.6m
Robert Ballance
Independent Director20.75yrsUS$103.12k0.71%
$ 1.2m
Judith Bielan
Independent Director20.75yrsUS$99.62k0.57%
$ 958.7k
James Collins
Independent Director17.75yrsUS$101.92k1.01%
$ 1.7m
Mark Hogan
Independent Chairman of the Board16.75yrsUS$115.42k3.33%
$ 5.6m
August Pellegrini
Independent Director7.75yrsUS$100.42k0.82%
$ 1.4m
Joseph Lyga
Independent Director20.75yrsUS$102.62k0.81%
$ 1.4m
Spencer Robbins
Independent Director9yrsUS$100.82k0.35%
$ 587.6k
James Rizzo
Independent Director5.67yrsUS$101.02k0.59%
$ 995.8k
Vincent DiDomenico
Independent Director2.5yrsUS$102.32k0.96%
$ 1.6m
John Pulomena
Independent Director2.75yrsUS$87.62k0.047%
$ 78.7k

16.8yrs

Average Tenure

60yo

Average Age

Experienced Board: BCBP's board of directors are seasoned and experienced ( 16.8 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 3.7%.


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$167.565m
  • 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BCBPNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDMar 2002
41YDB (Deutsche Boerse AG)YesCommon StockDEEURMar 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 Analysis2020/10/24 00:38
End of Day Share Price2020/10/23 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.