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Company Analysis

BCB Bancorp, Inc. (NJ) BCBP

A comprehensive view of key metrics, scores, and financial health for BCB Bancorp, Inc. (NJ)

Overview of BCB Bancorp, Inc.

BCBP NGM
Financial Services Banks - Regional Micro Cap
BCB Bancorp, Inc. (BCBP), is a Micro Cap company, in the Banks - Regional industry, last closed at $8.05, about 137.4% undervalued vs fair value, -18.0% 1Y return, ranked 319/1004 in sector.
$8.05
-1.11%
As of March 13, 2026
Previous close • Vol 90d: 25.7%
52-Week Range
Market Cap
$139.06M
Enterprise Value
$425.75M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bcb.bank
HQ Bayonne, NJ
Fiscal year Dec 31

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$19
$36
Current: $8.05 +137% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$177.4M
1.6%%
Interest Expense
$79.9M
Net Interest Income
$75.4M
-16.6%%
Total Revenue
$166.4M
75.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.2%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$22.3M
132.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating BCB Bancorp, Inc. (NJ)'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
20
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
20
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BCBP's balance between Growth (47.6%), Profitability (20.8%), and Safety (31.6%). Growth 48% Safety 32% Profitability 21%

Click axes to expand details. Marker shows current allocation.

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Growth

35th percentile vs peers
36
Key Signals
Rev Growth YoY 75.3% 67p Revenue CAGR 3Y 12.9% 29p Asset Growth YoY -8.9% 2p
Strengths

No notable strengths identified for this axis.

Risks
  • Asset Growth Yoy in bottom 20% of peers (-8.9%)

Profitability

15th percentile vs peers
16
Key Signals
Strengths
Risks
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Safety

23th percentile vs peers
24
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for BCB Bancorp, Inc. (NJ).

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$19.11
- - -
+137.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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